Budget planLimited Pre-existing Conditions
Pre-existing Condition Insurance Plans
Have a pre-existing medical condition? You might think international travel is out of the question, but that's not necessarily true. There are some great travel medical insurance options designed with travelers just like you in mind. If you have pre-existing health issues and need urgent medical care while abroad, the plans below can help.
Showing 5 of 5 plans
Featured
ChoiceAmericaî
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
- COVID-19 Coverage
- 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
- 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
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options 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:
Additional coverage options 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:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
In Network:75% up to policy maximum.
Out of Network:60% up to policy maximum.
In Network:75% up to policy maximum.
Out of Network:60% up to policy maximum.
- COVID-19 Coverage: Included
- 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
- No Additional Coverage Opts Available
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
USVisit-Proî
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
In Network:80% up to policy maximum.
Out of Network:60% up to policy maximum.
In Network:80% up to policy maximum.
Out of Network:60% up to policy maximum.
- COVID-19 Coverage: Included
- 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
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Border Entry Protection
- Telehealth Services
- No Additional Coverage Opts Available
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
INF Elite
Comprehensive Coverage
Underwriter: C&F Crum & Forster
Best for:
Pre-existing Coverage (limits apply*)COVID-19 Coverage
In Network:80% up to policy maximum.
Out of Network:60% of URC, up to policy maximum.
In Network:80% up to policy maximum.
Out of Network:60% of URC, up to policy maximum.
- COVID-19 Coverage: Included
- 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
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Pre-Existing Options
Pre-Existing Condition Policy Maximum The Pre-Existing Condition Policy Maximum is the maximum amount the insurance company may be willing to pay for treatment and services the policyholder receives pertaining to their existing medical conditions. The Pre-existing condition policy maximum is per injury/sickness.After the pre-existing condition policy maximum is met, the policyholder will be responsible for any remaining medical expenses for treatment and services related to their pre-existing condition. Pre-Existing Condition Deductible The Pre-Existing Condition Deductible is the amount the policyholder is responsible for paying before the insurance company begins to pay for any pre-existing covered expenses. The pre-existing deductible is per injury/sickness.
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
INF Premier
Limited Coverage
Underwriter: C&F Crum & Forster
Best for:
Pre-existing Coverage (limits apply*)COVID-19 Coverage
In Network:Fixed.
In Network:Fixed.
- COVID-19 Coverage: Included
- 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
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Pre-Existing Options
Pre-Existing Condition Policy Maximum The Pre-Existing Condition Policy Maximum is the maximum amount the insurance company may be willing to pay for treatment and services the policyholder receives pertaining to their existing medical conditions. The Pre-existing condition policy maximum is per injury/sickness.After the pre-existing condition policy maximum is met, the policyholder will be responsible for any remaining medical expenses for treatment and services related to their pre-existing condition. Pre-Existing Condition Deductible The Pre-Existing Condition Deductible is the amount the policyholder is responsible for paying before the insurance company begins to pay for any pre-existing covered expenses. The pre-existing deductible is per injury/sickness.
Disclaimer:
Additional coverage options 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.
