Many savvy travelers are looking for coverage for what are called "Pre-existing conditions". I call them savvy simply because many policies specifically exclude pre-existing conditions from ANY coverage. So, if you have a visitor with some condition that you are concerned about, it will be worth your time and peace of mind to check policies that will cover these conditions.
Fortunately for our customers, companies are competing heavily in this market and there are several new options and factors to consider while buying insurance.
First of all, let me define pre-existing conditions. Each company uses a slightly different definition, but basically a pre-existing condition is a medical condition which a person has been diagnosed with, is being treated for, or has before the start date of the policy (with reasonable medical certainly). Note that the definition does not mean you have to have a diagnosis for the condition, nor do you even need to know you have the condition when you purchase the policy. It should also be noted that some conditions are specifically excluded from any coverage.
These are usually congenital disorders, HIV infection, cancer, and often some chronic conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition. Conditions should be well taken care of (not in need of continued treatment) and then sudden, unexpected emergency situations MAY be covered. Note that persons applying for coverage will not be required to show any medical documentation of health and/or medical conditions. When an issue arises, the insurance company will rely on the doctor's diagnosis and information provided by the insured (medications taken, etc).
Safe travels USA comprehensive is a great comprehensive plan which offers coverage for sudden and acute onset of pre-existing conditions. Patients aged up to 69 years are covered up to the maximum policy per policy period for any coverage except cardiac conditions which are covered only up to $25,000. For persons 70 and over, the maximum coverage which can be purchased is only $50,000 with coverage for pre-existing conditions up to $25,000 with only $15,000 for cardiac conditions. Review Safe travels USA comprehensive brochure for more details and buy online.
Another excellent option is found in the Atlas America/International plan (Atlas America is for travel to the US and the Atlas International plan is for travel anywhere else). They cover acute onset of pre-existing conditions. These plans offer limited benefit up to the medical coverage maximum and excludes chronic and congenital conditions.
The coverage for pre-existing conditions is available for individuals under 80 years of age. This is a very economical option, particularly if you are traveling outside the USA. You can get free quotes for Atlas Plans and/or to purchase the plan and view the Atlas Travel brochure for more details.
Atlas premium is the latest version of the comprehensive plan provided by the World Trips. This plan also provides all the benefits that are available with the Atlas America and apart from that has some unique benefits. This plan provides higher benefits for political evacuation, repatriation, trip delay, trip interruption and emergency reunion compared to the Atlas America plan.
Another excellent option is the Patriot Platinum plan which can be purchased at high maximums ($8 million for persons below 70 years, $100k for persons over 70 years) or the sister policy Patriot America Plus. Patriot America Plus offers coverage for Non US citizens as usual, reasonable and customary charges. US citizens with primary health plans are covered to the policy maximum purchased and those without primary care plans are covered up to $20,000 only.
After age 65, both US and non-US citizens are covered only up to $2,500 for any pre-existing condition. You can review the quotes and Buy Patriot Platinum or buy Patriot America Plus plans. To view the details of the plans at Patriot Platinum brochure, Patriot America Plus brochure.
Visitors Protect : This is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico.Covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20,000 with deductible up to $1,500. Coverage for medical expenses, evacuation, and repatriation.
Buy Visitors Protect insurance.
A much more economical option comes in the Travel Medical USA plan which covers any pre-existing condition up to the maximum of the plan you purchase one time with benefit limits as listed for the plan. As a fixed plan, it only covers set amounts per each medical expense (see brochure for details). Please note that the coverage for pre-existing conditions is only extended to persons under 79 years old. Get a quote or buy Travel Medical USA. You can look at a Travel Medical USA Basic brochure for more details.
One of the best options for coverage of pre-existing conditions for US citizens can be found in the Travel Medical Series plans, specifically the Travel Medical Plus Insurance offers coverage for coronavirus. Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79 for Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74.
Travel Medical Basic Insurance offers policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000. Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79. Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
Travel Medical Choice Insurance offers policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $10,000 for people above 80 years. Acute Onset of Pre-Existing Conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.Coverage for U.S Citizens while traveling outside of Home Country.
The most limited plan is with the very popular and economic Visitor's Care plan. This plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years. This plan is only available to non-US citizens. Despite the limitation, it does offer some coverage for all ages. Buy or get a free quote for Visitors Care. View the Visitors Care brochure for detail information.
INF Premier plan: This is a Fixed benefit plan providing policy maximum options of $100k, $150k, $300k, $500k and $1M for the age of 0-69 and $100,000 for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “full pre-xisting” coverage plans.
Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 , policy maximum $500,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years and policy maximum $1,000,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years.
For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
INF Elite: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above.Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75,000 for the age range of 70-99.
Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
INF Elite Plus: This plan covers Preventive & maintenance care and coverage for full body physicals. This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Provides policy maximum options of $150k, $250k and $300k for the age of 0-69 and $75,000 for the age range of 70-99.
Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
INF Elite 90: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Covers 90% of eligible medical expenses. Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75,000 for the age range of 70-99.
Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
INF Premier Plus: Premier Plus plan which covers both preventive care, full body physicals & pre-existing conditions for Non-US citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.Provides policy maximum $300k for the age of 0-69 years.
Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
INF Hop! TripAssist Plus: Hop Trip Assist Plus comprehensive travel assist best for Pre-existing conditions.Hop TripAssist Plus, members receive top-notch medical assistance for both Acute onset conditions and the worsening of pre-existing conditions.
Stable, chronic pre-existing conditions which worsen during travel are eligible for benefits under the membership, depending on the chosen membership thier, members can enjoy coverage ranging from $150,000 to $300,000.Access expenses is up to $500 for pre-existing conditions.
Enroll for 60 days to access a 30% discount.
Hop! Travel Assistance: Covers Medical Assistance for Pre-Existing Conditions.All plans cover 100% of Eligible Medical Expenses with medical access expenses of $0, $100, $250, $500, $1,000, $2,500, and $5,000.Covers Pre-Existing Conditions for Stablization & ER to 100% of Assistance Level.
INF Hop! WorldHopper: Hop WorldHopper fixed benefit plan best For International travelers.Hop WorldHopper offers medical assistance for pre-existing conditions coverage $25,000, $30,000, $40,000 or $50,000 subject to a $1,500, $2,000, $2,500, $3,000, $5,000 or $10,000 medical assistance access expense.
INF Hop! Mindoro: Covers Medical Assistance for Pre-Existing Conditions (Out-Patient and Emergency).This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.Acute Onset Covered as a New Sickness.
| Policy Name | Non-US Citizen | US Citizens | Restrictions |
|---|---|---|---|
| Safe travels USA comprehensive | Up to medical maximum (persons up to 69 years) or $25,000 (70+ yrs) | Not Available | For cardiac disease up to $25,000 (person up to 69 years) or $15,000 (person 70+ years) |
| Atlas America | Up to $100,000 | Not Available | Under 79 yrs |
| Atlas International | Up to $100,000 | Up to $100,000 | Under 79 yrs |
| Patriot Platinum | $50,000 | With primary care up to maximum of plan | Under 65 yrs |
| Visitors Protect | Pre existing conditions covers for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 | Not Available | - |
| Patriot America Plus | Usual, reasonable and customary charges | Up to maximum | Under 70 yrs |
| Travel Medical USA Visitor Basic | As any other illness | Not Available | Fixed policy; only for travel to USA |
| Travel Medical Choice | As any other illness | Not Available | Fixed policy; only for travel to USA |
| Travel Medical Plus | Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79. | Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74. | Under 79 yrs |
| Travel Medical Basic Insurance | Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79. | Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79. | Under 79 yrs |
| Travel Medical Choice | Not Available | Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79. | Under 79 yrs |
| Visitor's Care | $5,000 (persons up to age 70) or $2,500 (70+ yrs) | Not Available | - |
| INF Premier plan | Under age 70: Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 Age 70 to 99: covers policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000. |
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| INF Elite plan | Under age 70: covers up to $25,000 with deductible $1,500. Age 70 to 99: covers up to $20,000 with deductible $1,500. |
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| INF Elite Plus plan | Under age 70: covers up to $25,000 with deductible $1,500. Age 70 to 99: covers up to $20,000 with deductible $1,500. This plan covers Preventive & maintenance care and coverage for full body physicals. |
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| INF Elite 90 plan | Under age 70: covers up to $25,000 with deductible $1,500. Age 70 to 99: covers up to $20,000 with deductible $1,500. Covers 90% of eligible medical expenses |
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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
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For Pre-existing medical conditions and covid
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.
Contact our customer service team, we are here to help you!
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.
Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.
Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
INF is one of the few companies which offers travel insurance plans for travelers with full coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.
They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations : INF Elite, Elite Plus and INF Elite 90.
To compare the best travel insurance for full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.
Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here read more.
You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor.
This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
Trip cancellation insurance provides coverage for acute onset of pre-existing conditions, medical emergencies, trip cancellation, trip interruption, delays and medical evacuation, lost -damaged, or stolen of the luggage.
Insurance Coverage for older travelers with Pre-existing Conditions
Read more »Best of the Best Coverage for Pre-existing Medical Conditions
Read more »Get quote for visitor medical insurance with pre-existing coverage.
Read More »Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.
Read More »Compare pre-existing conditions insurance plans for US visitors and buy the best plan.
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Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.
It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.
If Asthma is not considered chronic, then an emergency due to Asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.
Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.
These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).
No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance. As far as I know, Arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies.
If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage.
The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy. Note that these policies are best for people who want health insurance for a whole year, or better, longer.
Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your Arthritis on the application and you may or may not be covered for that illness by the policy they offer you.
Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury.
Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.
Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).
Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication. So, even if you have OsteoArthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.
This is a tough question. And, unfortunately, the answer depends on where you are traveling to and from.
For people that are traveling to the US from abroad:
As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries.
Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance. This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here.
Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation. However, the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip).
Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage. And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.
No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since Arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.
Some countries may not require prescriptions to purchase medications. However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.
Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.
The following travel insurance plans cover acute onset of pre-existing conditions:
A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.
Mental and Nervous disorders, maternity and newborn care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.
Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.
US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.
Travel Insurance plans provide coverage for unexpected sickness and injury. They provide benefits to cover emergency medical evacuation and repatriation. Apart from this, they provide coverage for the acute onset of pre-existing conditions. If there is a medical condition that you do not need any coverage for, then yes, you can still purchase travel insurance for unexpected medical accidents which might result in a highly expensive claim expense.
US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.
However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.
This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.
The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:
The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:
International Medical Group - IMG offers both full Pre-existing and Acute onset of Pre-existing condition coverage :
WorldTrips offers acute onset of Pre-existing conditions:
Trawick International offers Acute onset of Pre-existing conditions and sudden, unexpected recurrence of a Pre-existing Conditions:
Seven Corners offers acute onset of Pre-existing conditions:
The Lookback period is the period before the travel insurance policy's effective date during which the pre-existing medical condition must be stable. The look back period varies depending on the policy.
No, typically, you must not receive any treatment or medication for the pre-existing condition during the Lookback period to be eligible for coverage under the policy.
Yes, there is typically an age limit for purchasing visitors travel insurance for acute onset of pre-existing conditions. The age limit varies depending on the policy.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
Here are some travel insurance tips for travelers with pre-existing conditions:
There are several visitors insurance plans available for international travel. However many visitors insurance and travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
Choose visitors travel for medical emergency while outside home country.
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Important factors while deciding on the best travel insurance for USA.
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Understanding different types of travel health insurance plans.
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Travel insurance online claims process for getting medical care in a hospital.
Explore »While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid19 coverage. At America visitor insurance travelers can get visitors insurance for Covid19 illness.
We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.
Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Covid travel insurance - Know more