Tips on Buying any Pre-Existing Conditions Insurance Plans For U.S. Visitors

Pre-Existing_Conditions_Insurance_Plans_For_U.S._Visitors

This blog will breakdown visitor insurance with pre existing conditions benefits for foreign visitors and nationals visiting the United States with pre-existing conditions. There are health insurance options for visitors coming to USA with pre-existing conditions. There is a unique benefit with limited pre-existing condition coverage called acute onset of a pre-existing condition. Though pre-existing conditions themselves are not covered under any Visitors Insurance plan, most comprehensive and low-cost, schedule of benefits plans offer acute onset of a pre-existing condition. In this blog, you will learn more about what is considered a pre-existing condition, what acute onset of a pre-existing condition definition is and what are best health insurance for visitors to usa with pre-existing conditions.

What is considered a pre-existing condition?

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 offer 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.

See below for a list of the most common pre-existing conditions our clients have asked us about:

    • Diabetes
    • Blood Pressure (High/Low)
    • Heart Conditions
    • Stroke
    • Asthma
    • Pregnancy
    • Cancer
    • Recent Surgeries

What is acute onset of a pre-existing condition definition?

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.

What is the difference between Full Pre-Existing & Acute Onset Insurance?

We offer best medical insurance plans that cover acute onset of a pre-existing condition. Other insurance agencies and insurance companies will say they have plans with "full pre-existing condition coverage," however, this is untrue and false advertising. The reason this is untrue is because these plans have fine print that have 12-month waiting periods and/or restrictions stating chronic conditions to do apply to this benefit. It's very important to read the fine print and policy wording language to understand this benefit in its entirety. We here at Visitors Insurance have thoroughly researched and vetted all of the American insurance companies we work with and only represent companies that offer truthful benefits with the appropriate coverage.

Is There a Maximum Trip Cost When Buying Travel Insurance with Pre-Existing Conditions?

Visitors Insurance plans are based on day rates that are calculated based on the traveler's age, travel dates, deductible and policy maximum. Policy maximums up to $8,000,000 for ages 0-64, up to $2,000,000 for ages up to 65 and $100,000 for ages up to 66-79. Trip costs and initial trip deposit dates are needed when purchasing trip cancellation policies only.

My parents have pre-existing conditions. Can I get Visitors Coverage with pre-ex coverage?

There are no plans on the market that cover pre-existing conditions 100%. A large majority of best medical insurance plans do offer acute onset of a pre-existing condition plans. This means, if a pre-existing condition causes a new medical condition that is sudden, non-reoccurring and you the person needs immediate medical attention, you have limited coverage. Pre-existing conditions are never covered themselves. To learn more about these plans here - https://www.visitorsinsurance.com/VisitingUSAPreExisting.asp. You can also give us a call or send us a email and we can discuss these options in more detail.

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.

Which insurance is best for visitors/parents to USA?

This depends on your parents’ visa/greencard status. If they are here on a visitor’s visa, we recommend Safe Travels USA Comprehensive, Atlas America, Patriot America Plus, Diplomat America or Liaison Travel Plus. If they are here on greencard, we recommend Patriot America Plus, Diplomat America or Liaison Travel Plus. These comprehensive coverage plans will give you the best peace of mind while they are visiting you so you can focus on spending quality time with them and enjoying their visit. When generating a quote on our website, you will see all our visitors insurance plans marked with acute onset of a pre-existing condition benefit coverage included or excluded.

Most Popular Visitors Insurance Plans on the market with Acute Onset of Pre-existing Condition Benefit
Company: Eligibility - Visa/Greencard Status: Plan Option:
IMG Global Plans are eligible for green card holders and visitor’s visa holders. Patriot America Plus(comprehensive)Patriot Platinum America(comprehensive)
Global Underwriters Plans are eligible for greencard holders and visitor’s visa holders. Diplomat America(comprehensive)Diplomat Longterm (LT)(comprehensive)
Tokio Marine HCC Plans are eligible for greencard holders(in pending status only) and visitor’s visa holders. Atlas Travel Insurance(comprehensive)VisitorSecure(low-cost, fixed)
Trawick International Plans are eligible for visitor’s visa holders. Safe Travels Comprehensive(comprehensive)Safe Travels Cost Saver(comprehensive)Safe Travels Visitors to USA(low-cost, fixed)
Seven Corners Plans are eligible for greencard holders and visitor’s visa holders. Liaison Travel Plus(comprehensive)

Tips for Travelers with Pre-existing condition:

  1. We recommend that all travelers with pre-existing conditions get a comprehensive exam to make sure they are fit to travel.
  2. If you have recently had any medical procedures/treatments we recommend carrying medical records that you may need.
  3. You may need to show these records to a doctor if medically necessary or you may need to share these details for any claims that might be incurred on a visitors insurance plan.
  4. Claims that are filed may sometimes denied do to pre-existing conditions. Carrying your medical records can help with a potential appeal to determine if any treatment needed on a visitors insurance policy is a new sickness/illness.
  5. We recommend that you carry all of your medications that you take for pre-existing conditions with you on your trip including extra in case your trip gets extended or flight delays.

You can learn more about our plans with pre-existing condition plans by viewing Visitors Insurance on our Pre-existing condition plans page www.visitorsinsurance.com/VisitingUSAPreExisting.asp.

We hope this article has helps you identify what to look for when looking for visitors insurance plans and proper visitors coverage for your parents/relatives visiting you in the United States. You can visit our website at VisitorsInsurance.com. If you need help generating a quote, please email us at info@visitorsinsurance.com and share the travelers ages, travel dates, visa/green card status, and destination country for the quickest response. If you have any other questions or feedback regarding this post, you can reach us via email at info@visitorsinsurance.com, toll-free at 800-344-9540/847-897-5120 or WhatsApp at 847-897-5120.