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 for acute onset of pre-existing medical conditions up to a certain limit.

Please read the policy specific brochure and description of coverage (policy document) for complete details about the coverage limitations and exclusions.

Atlas America

Liaison Continent

Patriot America

Inbound USA

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

up to $1,000,000

If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $1,000,000 Maximum for eligible medical expenses and up to $25,000 for Emergency Medical Evacuation.

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

 

up to $45,000

For Non-US Citizens, If you are under age 65, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $45,000 per policy period. If you are between 65 to 69 years of age, the coverage is up to $2,000.

For US Residents: If you are under the age of 70 years traveling outside US or Canada, the plan covers for waiver of pre-existing conditions up to $25,000 per policy period. For those over the age of 70, the waiver is up to $5,000.

Please read the policy brochure for complete details about the coverage limitations and exclusions.
Note: Non-US Citizens Aged Over 70yrs have NO acute onset of pre-existing medical condition coverage

up to $50,000

Sudden and unexpected recurrence of a Pre-existing Medical condition for non- US citizens under the age 65 is covered up to a life time maximum of $50,000 For those age 65 and older, Patriot America will pay up to $2,500 lifetime maximum.

up to $130,000

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

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

 

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 90% of the next $5,000 of eligible expenses, then 100% to the selected Policy Maximum

How Patriot America Insurance plan works

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

Availability Not available for the residents of Maryland (MD), Washington (WA) & New York (NY) Not available for the residents of Maryland (MD) & Washington (WA). Not available for the residents of Maryland (MD). Not available for the residents of Maryland (MD) & Washington (WA).
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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 Acute Onset of 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.

VisitorSecure Insurance

Visitor Secure Insurance

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


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.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.