Pre-Existing Conditions Coverage Plans for USA Visitors

The generic definition of a 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. While no visitor medical insurance plan covers pre-existing conditions, there are some plans that provide coverage for acute onset of pre-existing medical conditions up to a certain limit.

Please Note: acute onset of a pre-existing condition is not the same as a pre-existing condition.

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

Below are some of the best options for plans that may offer coverage for acute onset of pre-existing conditions.

CoverAmerica - Gold
Best Coverage

Patriot America Plus

Liaison Travel Elite

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

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 $50,000 per policy period. If you are above 70 years of age, the coverage is up to $10,000.

For US Residents: If you are 64 years or less, have a primary plan, and are traveling outside the US, the plan covers for waiver of pre-existing conditions up to the policy maximum you choose. For those without a primary plan, up to age 64, the waiver is up to $50,000.

For age 65 and above, the plan pays up to $2,500.

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-US 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.

How Cover America - Gold works

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.

How Patriot America Plus plan works

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.

How Liaison Travel Elite works

After the deductible,within the PPO Network, plan pays 100% for eligible expenses, up to the selected policy maximum. Outside PPO Network, plan pays maximum up to URC. Any amount above URC is the insured person's responsibility.

How Atlas America plan works
Resident State Restrictions
No US State Restrictions. Not available for the residents of Maryland (MD). Not available for the residents of Maryland (MD) & Washington (WA). Not available for the residents of Maryland (MD), Washington (WA) & New York (NY).
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While pre-existing conditions are not generally covered by most travel medical insurance plans, and many policies offer Acute on-set of Pre-existing Conditions coverage, there is now a plan that offers limited pre-existing condition coverage without any acute onset limitations. ChoiceAmerica offers an optional pre-existing condition rider that provides limited and basic coverage for eligible pre-existing conditions. While ChoiceAmerica Insurance is a limited coverage plan, it is top in its class of insurance in providing travelers with essential benefits for all of their travel and health related needs. For more information on this one-of-a kind plan, visit ChoiceAmerica Insurance.

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

LEC

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.

VS

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


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. To learn more, read more on Acute Onset of Pre-Existing Conditions.


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.
Disclaimer
Information provided here is 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.
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