Which travel medical insurance provides coverage for heart conditions like previous heart attack or stroke?

Most travel medical insurance plans are designed to cover new and unexpected illnesses or injuries that occur after the policy begins, so they don’t typically cover pre-existing conditions like a previous heart attack or stroke. However, certain plans do provide limited coverage for what’s known as the “acute onset of pre-existing conditions.” This means if you experience a sudden, unexpected recurrence of a past condition that requires immediate medical attention, your travel insurance may offer some coverage. For travelers visiting the U.S., here are two plans to consider:

CoverAmerica-Gold: Offers up to $36,000 in cardiac coverage for travelers under age 69 in case of an acute onset of a pre-existing heart condition.

Visitors Protect: Provides comprehensive coverage for the worsening of pre-existing conditions, covering up to $25,000 for travelers under age 70 and up to $20,000 for those 70 and older.

For international travelers (outside of the U.S.), Atlas International provides acute onset coverage up to the policy maximum for travelers under age 79.

Keep in mind that coverage eligibility varies by age, medical history, and destination. Additionally, the attending physician will ultimately determine if a situation is due to a pre-existing condition.

If you have any questions or need help choosing the right plan, please don’t hesitate to reach out to us at 1-866-384-9104 or email us at support@visitorscoverage.com for guidance on finding the right coverage for your needs.