Pre-Existing Conditions Travel Insurance: Coverage for US Visitors
Most travel medical insurance plans do not include coverage for pre-existing conditions. This means that any symptoms or medical care pertaining to a condition or health problem that you had before your trip and any preventative care will not be covered by your travel insurance plan. However, if you're looking for travel insurance with pre-existing conditions coverage, there are options available to you. The definition of a pre-existing condition may vary by the plan, and it's recommended to review individual plan definitions for the specific definition.
What is Meant by Pre-existing Conditions?
The generic definition of a pre-existing condition is any medical condition or health problem 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 very few health insurance companies cover pre-existing conditions, there are 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.
What is a Pre-existing Medical Conditions Waiver?
If you have a pre-existing medical condition, don't worry. When purchasing a travel medical policy, you'll want to look for a policy that includes a pre-existing medical conditions waiver. With this waver, you can cancel or interrupt your trip, or receive medical treatment. As long as the incident or sickness is tied to a pre-existing condition, you'll be covered.
Pre-Existing Medical Conditions Explained
Most Visitors and travel insurance policies don't cover pre-existing conditions. Here's a video that explains why pre-existing medical conditions aren't covered by travel insurance, what visitors can do about it and why purchasing comprehensive travel medical insurance is still a wise decision.
Travel Insurance Explained: Pre-Existing Conditions from VisitorsCoverage on Vimeo.
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
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. Read Acute Onset of Pre-Existing Conditions to learn more.
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.
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
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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.
