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While all short term travel insurance plans only cover for unexpected illness or injury that occur after the policy goes into effect, travel insurance plans do not offer much coverage for preventive care, dental, vision or pre-existing conditions. Limited coverage plans pay a fixed limited dollar amount for every service and treatment. The policy maximum is just the outer limit. Usually if you need to use the insurance, the percentage-based comprehensive plans would pay much more for covered situations. However, you can consider the ChoiceAmerica limited coverage plan. This plan offers an optional coverage for pre-existing conditions. If you choose the optional coverage, the plan would pay a certain amount for physicians visit, medication, lab work, hospitalization and ER visit. You can see the amounts listed in the plan brochure. Please feel free to call us at 1-866-384-9104 or email us at if you have any further questions or need assistance buying one of these two plans.

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Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our Terms and Conditions and User Agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.