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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

Best Seller
USVisit-Pro®

Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
Benefits
  • 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
Eligibility
  • For visitors traveling to the United States
  • For ages 14 days to 74 years
  • Coverage for a minimum of 60 days up to 180 days
  • Not Extendable
  • Must purchase policy before departing home country
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Featured
ChoiceAmerica®

Limited Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Budget planLimited Pre-existing Conditions
Benefits
  • 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
  • Optional Adventure Sports Rider
Eligibility
  • For non U.S residents and non U.S citizens, traveling to the United States, Mexico or Canada
  • For ages 14 days to 79 years
  • Coverage for minimum of 5 days up to 365 days
  • Extendable up to 365 days
  • To qualify for coverage, you must not be a citizen permanent resident of the host country you are traveling to (U.S, Mexico, or Canada)
  • Must purchase a minimum of 30 days of coverage to be eligible for the optional Pre-Existing Condition Rider
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Visitors Protect

Comprehensive Coverage, Rated A- (Excellent)
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)Visitors to the USA
Benefits
  • COVID-19 Coverage: Included
  • 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
  • Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Prescriptions/Medication
Eligibility
  • For visitors traveling to the United States
  • For ages 14 days to 99 years
  • Coverage for a minimum of 90 days up to 365 days
  • Not Extendable
  • Must purchase policy before departing home country if traveling to the U.S
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Canada (CAN), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Mexico (MEX), Niger (NER), Nigeria (NGA), North Korea (PRK), Pakistan (PAK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA) & Venezuela (VEN)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI) & Sierra Leone (SLE)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
INF Elite

Comprehensive Coverage, Rated A (Excellent)
Underwriter: C&F Crum & Forster

Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)
Benefits
  • 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
Eligibility
  • For non U.S. residents and non U.S. citizens, while traveling to the United States, Canada, or Mexico
  • For Ages 1 year to 99 years
  • Coverage for minimum of 90 days up to 364 days
  • Extendable for up to 364 days
  • Must purchase policy before departing home country
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Belarus (BLR), Congo, The Democratic Republic of (COD), Cote D'Ivoire (CIV), Cuba (CUB), Iran (IRN), Iraq (IRQ), Liberia (LBR), North Korea (PRK), Puerto Rico (PRI), Sudan (SDN), Syria (SYR), United States (USA), Virgin Islands (USA) (VIR) & Zimbabwe (ZWE)
Plan FAQs
INF Premier

Limited Coverage, Rated A (Excellent)
Underwriter: C&F Crum & Forster

Best for:
COVID-19 CoveragePre-existing Coverage (limits apply*)
Benefits
  • 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
Eligibility
  • For non U.S. residents and non U.S. citizens, while traveling to the United States, Canada, or Mexico
  • For Ages 1 year to 99 years
  • Coverage for minimum of 90 days up to 364 days
  • Extendable for up to 364 days
  • Must purchase policy before departing home country
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Belarus (BLR), Congo, The Democratic Republic of (COD), Cote D'Ivoire (CIV), Cuba (CUB), Iran (IRN), Iraq (IRQ), Liberia (LBR), North Korea (PRK), Puerto Rico (PRI), Sudan (SDN), Syria (SYR), United States (USA), Virgin Islands (USA) (VIR) & Zimbabwe (ZWE)
Plan FAQs
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.