Pre-Existing Conditions Travel Insurance: Coverage for U.S. 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 that you had before your trip and any preventative care will not be covered by your travel insurance plan.

There's 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.


If this plan does not meet your needs, there are other options available. You may choose one of the following plans that cover the acute onset of pre-existing conditions.

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.


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 visitor insurance for existing conditions based on acute onset of pre-existing conditions.

CA-G

CoverAmerica-Gold

PA+

Patriot America Plus

LEL

Liaison Travel Elite

AA

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-U.S. citizens, If you're under age 70, you're covered for an acute onset of a pre-existing condition. Coverage is available up to $50,000 per policy period. If you're above 70 years of age, the coverage is up to $10,000.

For US Residents: If you're 64 years or less, have a primary plan, and are traveling outside the U.S., 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-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 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, plan pays 100% for eligible expenses up to the selected policy maximum.

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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).

Cannot be physically located in Maryland, New York, Washington, Canada or Australia at the time of purchase.

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More Plans for Acute Onset of Pre-Existing

LTB

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.

VS

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's 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.

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