A Pre-existing Condition Coverage Plan is meticulously designed to cater to individuals with prior medical conditions. Since these plans are unlike standard american visitor health insurance plans, it is best advised when traveling to the United States to secure a health insurance plans that accommodates to pre-existing conditions if the traveler has any concerns. This specialized coverage ensures that conditions diagnosed before your arrival are addressed, safeguarding against substantial medical expenses that may arise when traveling abroad.
Visitors Insurance empowers its clients to examine policy provisions that confirm comprehensive protection aligned with their health needs. By selecting an appropriate plan, our clients can take control of their health and mitigate potential financial burdens, ensuring continuity of care during their visit.
*Careful comparison of available options will aid in finding optimal coverage. You can learn more about our pre-existing condition plans and acute onset of a pre-existing condition plans below.
Pre-existing Conditions are any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during prior to the effective date of the insurance policy, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
The most common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs
To learn more about our plans that cover pre-existing conditions and acute onset of a pre-existing condition, see below for some of our most popular comprehensive coverage plans that have these benefits. You can also visit our quote page on our home page to compare all of plans side by side.
Pre-existing conditions include any existing medical condition that you are currently taking medication and/or monitoring at the time of purchasing a visitors insurance plan. These include - any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time prior to the effective date of any visitors insurance policy, including any subsequent, chronic or recurring complications or consequences related there to or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
At the time of purchase, you will not have to disclose any medical information when purchasing a visitors insurance policy from VisitorsInsurance.com. In your policy wording that will be issued upon applying, you will get a full policy wording/certificate that will list out all your benefits including pre-existing conditions listed in the exclusions. We have a variety of health insurance plans for visitors to coming to the USA that offer acute onset of a pre-existing condition plans. To learn more about these plans, please visit the pre-existing conditions plan under travel visitors page on our website that offer acute onset of a pre-existing condition benefit. You can also give us a call or send us a email and we can discuss these options in more detail.
There are no medical tests required when purchasing American Visitors Insurance plans for foreign nationals and foreign visitors. You can purchase the insurance for visitors within 5 minutes online. ID Cards, Coverage Documents and Policy Wording will be emailed to you within minutes of purchasing. To learn more, visit Visitors Insurance and you can request a quote. You can also learn more about pre-existing condition coverage plans by visiting our blog Tips on Buying any Pre-Existing Conditions Insurance Plans For U.S. Visitors to learn more about our plans with acute onset of a pre-existing condition coverage.
We offer plenty of options for health insurance for visitors to USA with pre-existing conditions. The plans listed on this page offer a combination of acute onset of a pre-existing condition and pre-existing condition coverage to give you peace of mind while traveling.
See our 3 pre-existing condition plans below. All 3 Pre-existing Condition Plans are available for a minimum of 90 days (3 months) purchase.
Visitors Protect by IMG Global:
INF Premier by INF Healthcare:
There is no waiting period for plans that cover pre-existing conditions. Please keep in mind the traveler must be healthy at time of purchase. A person cannot purchase the policy with the intent of using it for a pre-existing condition that currently needs medical attention.
Pre-Existing Conditions are an illness, disease, or other known condition that the Insured Person had prior to the effective date of their visitor’s insurance policy. These are conditions the insured person is currently monitoring, taking medications and/or doing routine and preventative care for. Some of the most common pre-existing conditions include chronic conditions like high blood pressure, heart disease, and diabetes.
Acute Onset of a Pre-existing Conditions are a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs and requires immediate treatment is essential and necessary to stabilize the Pre-existing Condition, treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
When applying for your visitor’s health insurance plan, you will not be required to disclose any pre-existing conditions at time of purchase as these plans are not subject to underwriting. Once you submit the application and payment online, the policy will be issued to you immediately.
Plans listed with pre-ex coverage are plans that offer pre-exisiting condition coverage built into the plan. No pre-ex-plans are visitors’ insurance plans that may offer acute onset of a pre-exisiting condition or no pre-existing condition coverage.
There is no waiting period on pre-exisiting conditon coverage plans. The person must be healthy at time of purchase and not need immediate medical attention at time of purchase.
No, you do not undergo any medical tests and/or questionnaires when purchasing a pre-exisiting conditon plan from Visitors Insurance.
Yes, VisitorsInsurance.com specializes in international health insurance for Pre-Existing Condition Insurance for Visitors You can learn more about these plans on this page.
Depending on the plan, yes there are some pre-exisiting exclusions. Pre-existing conditions must be stable and the traveler must be healthy at time of purchase. Please review the policy wording to see complete list of exclusions per plan. Some common exclusions include pregnancy, cancer, dialysis, and eye sickness/cataracts.
Pre-exisiting insurance plans for visitors are more costly as coverage for pre-exisiting conditions are built into these plans and the claims risk is going to be higher on average. Most Visitors Insurance plans on the market offer acute onset of a pre-exisiting condition benefit which offers coverage in case of a pre-exisiting condition causing a different medical emergency, not necessarily coverage for pre-exisiting condition and seeking pre-ex treatment.
Comprehensive Coverage plan with higher policy maximum up to $200-K for ages up to 89
Pre-existing conditions coverage: $25,000 for Pre-Existing Conditions, $2,500 deductible (up to age 89 years of age), subject to coverage limits for
15% additional payment.
Acute onset for pre-existing conditions is included up to $25,000 and up to 89 years of age are covered with all policies
Standard pre-existing conditions ( 6 months stable without presenting symptoms and without change in medication) up to USD $500,000
A Pre-existing Condition that has been stable for six (6) months prior to the Insured’s departure from his/her Country of Residence and/ or the Effective Date of the Policy, will receive coverage of up to a maximum of five hundred thousand dollars (US$500,000), including any repatriation or medical evacuation benefits, and repatriation of mortal remains and cremation services. To be eligible for this benefit, the Insured must submit all required information proving the Pre-existing Condition has been stable for the six (6) months prior to the trip, it has not presented any symptoms and there has not been any changes in Medication.
Pre-Existing Conditions: Deductible: $1,500 per injury or illness (plan deductible waived) - Maximum limit through age 69: $25,000 and Maximum limit ages 70 and older: $20,000
Pre-existing Condition: An Illness, disease, or other condition of the Insured Person that in the twelve (12) month period before the Insured Person’s coverage became effective under this insurance: a) first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or Treatment; or b) required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) was Treated by a Physician or Treatment had been recommended by a Physician.
Preexisting Medical Conditions Maximum Limit: 30% of the maximum coverage selected under the plan, not to exceed $30,000
Preexisting Medical Conditions provides medical assistance for the stabilization of a medical emergency resulting from a pre-existing medical condition that emerges during the course of a trip abroad. Acute episode or unpredictable event, decompensation of known chronic and/or Pre-existing conditions, occult or previously asymptomatic. This coverage is provided exclusively for primary medical care in the acute episode, or in case of not predictable, with the superior coverage specified by the Contracted Plan, the Emergency must require assistance during the trip and cannot be postponed until the return to the Country of Domicile or Permanent Residence, the Operational Center reserves the right to decide the most appropriate treatment among those proposed by the medical staff and / or Repatriation to its Country of Domicile or Permanent Residence.
Acute Onset of Pre-existing Condition prior to age 79 – Plan- A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum.
The sudden and unexpected outbreak or reoccurrence of a Pre-existing Condition(s), which occurs Unexpectedly and without advance warning either in the form of Physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. The Sudden Onset of a Pre-existing Condition(s) must occur after the Effective Date of Coverage or Effective Date of insurance. Treatment for the Sudden Onset of a Pre-existing Condition must be obtained within Twenty- Four (24) hours of the sudden and unexpected outbreak or reoccurrence. A Pre-existing Condition that is a Congenital condition or that gradually gets worse over time will not be considered a “Sudden Onset of a Pre-existing Condition”. The Sudden Onset of a Pre-existing Condition does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatment existent or necessary prior to the Effective Date of Coverage or Effective Date of Insurance. The Sudden Onset of a Pre-existing Condition does not include treatment or the initial stabilization of a covered or eligible benefit for “Sudden Onset of a Pre-existing Condition”.
Atlas Travel provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a preexisting condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, of that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute of Pre-existing Conditions benefit will only apply if all of the following conditions are met:
Acute Onset of Pre-existing Conditions Insured Person must be under 70 years of age. Up to the Period of Coverage limit
ACUTE ONSET OF PRE-EXISTING CONDITIONS: Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.
ACUTE ONSET OF PRE-EXISTING CONDITION For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70, Acute Onset of Pre-existing Condition benefits are not available.
ACUTE ONSET OF PRE-EXISTING CONDITION for an Acute Onset of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.
