Pre-existing Coverage (limits apply*)
Pre-Existing Condition Visitor Insurance Plans
If a traveler has a pre-existing condition like diabetes, high blood pressure, or heart disease, they can still get visitor medical insurance for their trip to the USA or for an international trip. Not every standard visitor insurance plan covers pre-existing conditions, but a handful of specialized visitor insurance plans do, and many others cover sudden flare-ups, known as acute onset of a pre-existing condition. There is an important difference between the two, and it's worth understanding before you buy.
Only a few specialized plans offer full pre-existing condition coverage. These plans provide benefits for a pre-existing medical condition up to a set limit, usually with a separate deductible for that coverage. This coverage is either built into the plan, or available to add as a buy-up or rider for an additional cost at the time of purchase.
4 plans found
Best Seller
In Network:80% up to policy maximum.
Out of Network:60% of URC, up to policy maximum.
Direct Billing:via PPO United Healthcare PPO Network
In Network:80% up to policy maximum.
Out of Network:60% of URC, up to policy maximum.
Direct Billing:via PPO United Healthcare PPO Network
- After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 60% of the URC for eligible medical expenses up to the policy maximum
- Pre-Existing Condition Coverage: Included
- Urgent Care Visits
- Emergency Medical Evacuation
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- No optional add-on benefits available
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
INF Premier X
Limited Coverage
Underwriter: C&F Crum & Forster
Best for:
Pre-existing Coverage (limits apply*)
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO United Healthcare PPO Network
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO United Healthcare PPO Network
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the United Healthcare PPO network
- Pre-Existing Condition Coverage: Included
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- No optional add-on benefits available
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Featured
ChoiceAmerica®
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Budget planLimited Pre-existing Conditions
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO First Health PPO Network
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO First Health PPO Network
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Pre-Existing Condition Coverage: Optional Pre-Existing Rider
- US Border Entry Protection
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage: Optional Vision Rider
- Emergency Dental Coverage: Optional Dental Rider
- Prescriptions/Medication
- Influenza (flu) Vaccination
- Optional Adventure Sports Rider
- COVID-19 Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Pre-existing Condition Rider
Pre-existing conditions can include, but are not limited to, any medical condition that you have had before the policy effective date. ChoiceAmerica™ offers an optional pre-existing condition rider, which provides limited and basic coverage for eligible pre-existing conditions that existed at or prior to the effective date. A complete description of benefits is available in the Certificate of Insurance. Please note that all diagnoses are determined by the attending physician.
Dental Vision Rider
Optional Dental Treatment and Vision Care Benefits are available for an additional premium (refer to the rating sheets for further details of the applicable additional premium). Refer to the Benefits Table which outlines the optional Dental Treatment & Vision Care Benefits available.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Visitors Protect
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Pre-existing Coverage (limits apply*)Visitors to the USA
In Network:75% up to policy maximum.
Out of Network:60% up to policy maximum.
Direct Billing:via PPO United Healthcare PPO Network
In Network:75% up to policy maximum.
Out of Network:60% up to policy maximum.
Direct Billing:via PPO United Healthcare PPO Network
- Pre-Existing Condition Coverage
- After the deductible, plan pays 75% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 60% of the URC for eligible medical expenses up to the policy maximum
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Prescriptions/Medication
- COVID-19 Coverage: Included
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
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.
