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Pre-Existing Condition Plans

Acute onset or Pre-existing coverage options

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For pre-existing condition plans, coverage period must be 90 days minimum when generating a quote.

When creating a quote, please select a policy maximum from the below options listed. All Pre-existing Condition Plans are available for a minimum of 90 days (3 months) purchase.

Visitors Protect by IMG Global:

  • Policy Maximum Options: Ages up to 69: $50,000, $100,000, or $250,000
  • Policy Maximum Options: Ages 70+: $50,000

How Pre-existing Condition Coverage works?

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 the three years 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.

Most plans only cover Acute onset of a pre-existing condition. The restriction on how acute onset of a pre-existing condition coverage varies from each insurance carrier that you choose.

What pre-existing conditions are covered?

The most common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

  1. spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care
  2. after the Effective Date (24 hour waiting period from purchase)
  3. prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence

To learn more about our plans that cover acute onset of a pre-existing condition, see below for some of our most popular low-cost and comprehensive coverage plans that have this benefit. 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:

  • Policy Maximum Options: Ages up to 69: $50,000, $100,000, or $250,000
  • Policy Maximum Options: Ages 70+: $50,000

INF Elite by INF Healthcare:

  • Policy Maximum Options: Ages up to 69: $150,000, $250,000, $300,000, $500,000, or $1,000,000
  • Policy Maximum Options: Ages 70+: $75,000

INF Premier by INF Healthcare:

  • Policy Maximum Options: Ages up to age 69: $100,000, $150,000, $300,000, $500,000, or $1,000,000
  • Policy Maximum Options: Ages 70+: $100,000

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.

3 Easy Steps to Get Travel / Visitors Insurance Quotes – Get quotes / Compare Plans

Acute Onset of Pre-Existing Condition plans:

Low-Cost Limited Schedule of benefits Options

For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above.

Upon attaining ages 70-79 Acute Onset benefits will be reduced to a Maximum of $35,000, upon attaining age 80 Acute Onset benefits will be reduced to a Maximum of $15,000 with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. 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.

Definition: A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. 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 you are discharged from a medical facility.

*Acute Onset of **Pre-Existing Condition (only available to members under age 70)

$50,000 /$75,000 /$100,000 lifetime maximum for eligible expenses

$25,000 lifetime maximum for emergency medical evacuation

Acute Onset of Pre-existing Conditions • Insured Person must be under 70 years of age

Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements

Visitors Care Lite: $25,000 Maximum Limit: ( Subject to sub-limits)

Visitors Care Plus: $50,000 Maximum Limit: ( Subject to sub-limits)

Visitors Care Platinum: $100,000 Maximum Limit: ( Subject to sub-limits)

Sudden onset of a Pre-existing Look Back - up to age 69 ($25,000 Maximum Limit for Medical Evacuations) $50,000 Maximum Limit for Basic Coverage Option $75,000 for Premier Coverage Option, Age 80+ Coverage Option, No Coverage.

Pre-existing Condition/Pre-existing Look Back for Basic Coverage Option No Coverage/3 years, Premier Coverage Option No Coverage/2 years, Age 80+ Coverage Option, No Coverage/Permanent

Definition: Sudden onset of a Pre-existing Condition - up to Age 69 ($25,000 Maximum Limit for Medical Evacuations) If you have a prior health condition which suddenly and unexpectedly asserts itself during your travel, the Overseas Care™ Visitors Insurance™ Plan does provide a limited amount of coverage to help mitigate this unpleasant surprise. The Overseas Care™ Visitors Insurance™ Plan offers coverage up to $50,000 in Basic Plan or $75,000 in Premier Plan (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind. Enjoy peace of mind, even if your health history has a few blemishes with this powerful benefit.

Comprehensive Coverage Plans Options

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. $25,000 maximum per emergency medical evacuation related to an acute onset of a preexisting condition

Definition: 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. e Sudden Onset of a Pre-existing Condition(s) must occur an er 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”. e 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. e Sudden Onset of a Pre-existing Condition does not include treatment an er the initial stabilization of a covered or eligible bene t for “Sudden Onset of a Pre-existing Condition”.

Acute Onset of Pre-Existing Conditions:

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:

  • The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  • You must be under eighty (80) years of age;
  • You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the preexisting condition;
  • You must be traveling outside your home country

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(s) per Policy Period Subject to the sub limits for each benefit listed For ages up to and including age 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above.

Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. 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.

Definition: A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. 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 you are discharged from a medical facility.

Walk-in Clinic/Urgent Care co-pay $15/$25, than 100% benefits (not subject to deductible or co-insurance).
Deductibles are available from $250 to $2500. Policy Maximums: Through Age 69: $50,000, $100,000, or $250,000. Policy Maximum: Ages 70 and older: $50,000.

*** 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***
*** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***