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Pre-Existing Condition Plans Acute onset or Pre-existing coverage options

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.

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.

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

Acute Onset of a Pre-existing Condition for ages to 69 up to policy maximum & $25,000 per Coverage Period for Emergency Medical Evacuation

Acute Onset of a Pre-existing Condition for ages 70-79 up to $22,000 & $10,000 per Coverage Period for Emergency Medical Evacuation

Definition: Acute Onset of Pre-Existing Conditions – We pay up to the stated limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period and if you receive treatment in the U.S. within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is congenital or gradually worsens over time is not covered. Coverage is provided until the earliest of: a) the condition is no longer acute; or b) you are discharged from the hospital.

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-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.

Sudden onset of a Pre-existing Look Back - up to age 69 ($25,00 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: Acute Onset of Pre-Existing Conditions – We pay up to the stated limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period and if you receive treatment in the U.S. within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is congenital or gradually worsens over time is not covered. Coverage is provided until the earliest of: a) the condition is no longer acute; or b) you are discharged from the hospital.

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.

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

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.