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

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
after the Effective Date (24 hour waiting period from purchase)
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.

What are the pre-existing conditions? What is considered pre existing condition for travel insurance?

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.

Do I need to declare pre existing medical conditions for travel insurance?

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.

How do insurance companies determine pre-existing conditions?

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.

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

SAFE TRAVELS FOR VISITORS TO THE USA

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.

VisitorSecure^™ Insurance

Acute onset of pre-exiting condition (Under age 70) $50,000, $75,000,or $100,000 lifetime maximum - $25,000 lifetime maximum for emergency medical evacuation across all plans

Definition: Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which 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 care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.

OverseasCare^™ For Visitors

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

OVERSEAS VISITORS INSURANCE^SM

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”.

Atlas Travel^® Insurance

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80). Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower. Under age 70: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.

Definition: 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 pre-existing 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 of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.

Patriot America Plus

Acute Onset of a Pre-existing Condition – Under 70 years of age, up to period of coverage maximum limit.

Acute Onset of a Pre-existing Condition – Emergency Medical Evacuation - Under 70 years of age, $25,000 maximum limit.

Definition: Acute Onset of Pre-existing Condition prior to age 70 - Covers up to URC (Usual reasonable Customary) - 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; and 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. 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

SAFE TRAVELS USA COMPREHENSIVE

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.