Not all visitor medical insurance plans cover pre-existing conditions. Pre-existing condition is any medical condition the person might have been diagnosed with, or had any treatment for, or is taking any medication for prior to the start date of the insurance. The following are the only insurance plans that cover pre-existing medical conditions up to a certain limit.

Liaison Continent

Atlas America

Visitor Secure

Inbound USA

Liaison Continent
Atlas America
VisitorSecure Insurance
Inbound USA
Type of Plan
Recommendation
Best
Good
Good
Basic
Pre-existing Condition Coverage

up to $150,000

For non US Citizens, If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $100,000

Acute Onset of a Pre-existing Condition Benefit level varies with selected Medical Maximum (above) as follows:

Policy Maximum
Acute onset of Pre-existing Condition Coverage
$50,000 $50,000
$100,000 $100,000
$500,000 $125,000
$1,000,000 $150,000

Please read the policy brochure for complete details about the coverage limitations and exclusions.
Note: Age Over 70yrs - NO Pre-existing Coverage

up to $100,000

If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $100,000 Maximum for eligible medical expenses and up to $25,000 for Emergency Medical Evacuation.

Note: Age Over 70yrs - NO Pre-existing Coverage

up to $100,000

For visitors under age 70, the plan provides coverage for an Acute Onset of a Pre-existing Condition. Coverage up to $100,000 Maximum for eligible medical expenses and up to $25,000 for Emergency Medical Evacuation.

Note: Age Over 70yrs - NO Pre-existing Coverage

Non US Citizens, age under 70 years, covered for an Acute Onset of a Pre-existing Condition for no extra cost. Coverage is available up to selected policy maximum, per policy period.

Please read the policy brochure for complete details about the coverage limitations and exclusions.

How Plan Works

Plan A: After the deductible, program pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Maximum.
How Liaison Continent plan works

After the deductible, program pays 80% of the next $5,000 of eligible expenses, then 100% to the selected policy maximum. Coinsurance will be waived for claims incurred within the PPO if expenses are submitted to Underwriters for review and payment directly to the provider.

How Atlas America plan works

After the deductible, insurance pays pays fixed, pre-defined rate for each medical service. (Per incident coverage) Coinsurance will be waived for claims incurred within the PPO if expenses are submitted to Underwriters for review and payment directly to the provider.

How VisitorSecure Insurance plan works

Plan pays fixed, pre-defined rate for each medical service. (Per incident coverage)
How Inbound USA plan works

Availability Available in all states Not available for NY state Not available for NY & FL state Available in all states
More Details View Liaison Continent Insurance Plan Details View Atlas America Insurance Plan Details View VisitorSecure Insurance Plan Details View Inbound USA Insurance Plan Details
Get Quote Get Quotes online Get Quotes online Get Quotes online Get Quotes online
Buy Online Buy Liaison Continent plan Buy Atlas America plan Buy VisitorSecure insurance Buy Inbound USA plan

An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a pre-existing medical 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.

More Insurance Plans for Pre-Existing Medical Conditions Coverage for USA Visitors

Liaison International Insurance Liaison International Insurance

For non US Citizens, If you are under age 70, you are covered for an Acute Onset of a Pre-existing Medical Condition. Coverage is available up to $15,000

Please read the policy brochure for complete details about the coverage limitations and exclusions.

Visitors Care Insurance

Visitors Care Insurance

Pre-existing condition benefit is limited to heart attack and/Or stroke only.

Covered amount
Age under 70yrs: $5,000 coverage for Myocardial Infarction (heart attack) or Stroke only.

For Ages 70 & Over: $2,500 coverage for Myocardial Infarction (heart attack) or Stroke only.

Please read the policy brochure for complete details about the coverage limitations and exclusions.


Pre-Existing Medical Conditions Explained

Most Visitor and travel insurance policies do not cover pre-existing conditions. Here is a video that explains why pre-existing medical conditions are not covered by travel insurance, what visitors can do about it and why purchasing comprehensive travel medical insurance is still a wise decision.