Most travel medical insurance plans do not pre-existing conditions. This means that any symptoms or medical care pertaining to a condition that you had before your trip and any preventative care will not be covered by your travel insurance plan.
There is one plan, however, that does cover pre-existing conditions. INF Elite can be ideal for those traveling to the U.S and concerned that their pre-existing conditions may worsening while outside of their home country. Learn more about INF Elite and how it works for COVID-19.
INF Elite
Ace American Insurance Company- For international travelers to the U.S.
- Coverage up to 360 days
If this plan does not meet your needs, there are other options available to you. You may choose one of the following plans that cover the acute onset of pre-existing conditions.
The definition of a pre-existing condition may vary by the plan, and it is recommended to review individual plan definitions for the specific definition. 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 very few visitor medical insurance plans 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.
Below are some of the best options for plans that may offer coverage for acute onset of pre-existing conditions.
More Plans for Acute Onset of Pre-Existing
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 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.
