Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist:

+1 (866) 384-9104

7:00AM - 2:00PM PT (July 4th) Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist:

+1 (866) 384-9104

7:00AM - 2:00PM PT (July 4th) Open

Other ways to reach us:

VisitorsCoverage logo

Acute Onset of Pre-Existing Conditions Explained

Acute Onset of Pre-Existing Conditions Explained

To understand acute onset of pre-existing conditions, you need to first understand the difference between a pre-existing condition and an acute onset of a pre-existing condition. Definitions may vary by plan, and it's always recommended to review individual plan definitions in the Description of Coverage for specific details.

What Does Acute Onset of Pre-Existing Conditions Mean?

A pre-existing condition is defined as an injury, illness, sickness, disease, or other physical, medical, mental, or nervous condition, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed prior to or at the time of applying for travel medical insurance. Most travel insurance policies don't cover pre-existing conditions. 

However, some travel insurance plans do cover acute onset of a pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected medical episode related to a pre-existing condition. To be classified as acute onset, the medical event must occur spontaneously and without advance warning (either confirmed by a physician or by the obvious presence of symptoms). Acute onset usually pertains to a rapidly progressive medical event that requires immediate attention and lasting for a short duration.

Many policyholders mistakenly believe that any sudden manifestation of symptoms can be classified as an acute onset of pre-existing condition. But in order for a medical event to be considered an acute onset of a pre-existing condition, it must meet specific criteria and many of these criteria vary by plan. This is why it is strongly recommended that you read the policy documents and understand the eligibility, coverage benefits and the limitations of any policy you're considering.

Travel medical insurance is not meant to replace the domestic or preventative care the insured would receive at home for pre-existing conditions. If a traveler is in poor health or at high risk for a medical event, it's likely best for them to refrain from travel.

The Best Travel Medical Insurance Plans for Acute Onset of Pre-existing Conditions Compared

CoverAmerica - Gold®

Patriot America Plus

Liaison Travel Plus

Atlas America

Acute Onset of Pre-existing Condition Coverage

up to $125,000

Acute onset of a pre-existing condition coverage up to $125,000 is available for travelers under age 70 and up to $30,000 for travelers age 70-79.

Note: acute onset of pre-existing conditions coverage is only available for travelers under age 80.

up to $500,000

Acute onset of a pre-existing condition for non-US citizens below the age of 70 is covered up to the selected policy maximum for eligible medical expenses.

up to $50,000

Worldwide Excluding the United States: If you are traveling outside the U.S., the plan covers an acute onset of a pre-existing condition up to $50,000 for travelers under age 65, and up to $10,000 for travelers age 65 to 74.

Worldwide Including the United States: If you are traveling to the U.S., the plan covers an acute onset of a pre-existing condition up to $10,000 for travelers under age 65, and up to $5,000 for travelers age 65 to 74.

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

Note: acute onset of pre-existing medical condition coverage not available for non-US citizens over age 80

up to $2,000,000

Non-U.S. citizens, age under 70 years, are 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.

For travelers age 70-79, up to $100,000 in acute onset of pre-existing conditions coverage is available.

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

How the Plan Works

After the deductible, Within the United HealthCare PPO Network, program pays 100% up to the selected policy maximum.Outside the PPO Network, plan pays 80% for the first $5,000, and then 100% after that.

After the deductible, in-network, plan pays 100% up to the policy maximum. Out of network, plan pays 90% of the first $5,000, then 100% up to the selected policy maximum.

After the deductible, in-network, plan pays 90% of the first $5,000, then 100% up to policy maximum. Out of network, plan pays 80% of the first $5,000, then 100% up to the selected policy maximum.

After the deductible, plan pays 100% for eligible expenses up to the selected policy maximum.

Resident State Restrictions

No US State Restrictions.

Not available for the residents of Maryland (MD).

Not available for the residents of Maryland (MD), Colorado (CO), Washington (WA), South Dakota (SD) & New York (NY).

Cannot be physically located in Maryland, New York, Washington, Canada or Australia at the time of purchase.

More Plans for Acute Onset of Pre-Existing Conditions

Liaison Travel Basic

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

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 70 years - NO Pre-existing Coverage

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.