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Pre-existing Condition Insurance

Pre-existing Condition Insurance

Pre-existing Condition Insurance
What is it?

Pre-existing condition insurance provides medical coverage for travelers with medical conditions existing prior to policy effective dates

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A pre-existing condition is defined as an injury, illness, sickness, disease, or other physical, medical, mental, or nervous condition, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed prior to or at the time of applying for travel medical insurance.

Because pre-existing conditions are often seen as high risk to insurance companies, there aren't a lot of travel medical insurance plans out there for travelers who suffer from them. The good news, though, is that there are still a few highly rated plans out there. If you're a traveler with a pre-existing condition, these plans will offer you a range of deductibles and policy maximums, ensuring that you have what you need to travel abroad with confidence.

Why pre-existing condition insurance matters

This type of coverage is a big deal because many people with pre-existing conditions feel that a trip abroad, especially to a place like the United States, where healthcare is notoriously expensive, was out of their reach. These plans make it possible for more people to explore the world.

How pre-existing travel insurance works

Pre-existing condition coverage is a type of travel medical insurance that's ideal for people with health conditions that existed prior to the policy effective dates.

Deductibles and policy maximums vary by plan so it's important to research the plans and read the policy documents to understand the benefits and limitations of each plan.

The key benefits of pre-existing coverage

  • Medical coverage for people with longstanding health conditions
  • Emergency services including hospitalization and surgery
  • Emergency medical evacuation
  • COVID-19 coverage
  • PPO Network

Customer Story

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!


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Helpful articles

Travelers to the U.S. with pre-existing conditions have a few options for travel medical insurance. Explore tips and plans for pre-existing conditions.
Learn more about Acute Onset of Pre-existing Conditions.
Common Questions about Acute Onset of Pre-Existing Condition.
Determine whether you have pre-existing medical conditions and learn about why travel insurance for pre-existing medical condition covers only up to a certain limit.

Pre-existing Condition Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare Pre-Existing Condition Insurance plans and buy them online, quickly and without excessive paperwork. Pre-Existing Condition Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.

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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.