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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

Featured
ChoiceAmerica®

Limited CoverageLimited Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Limited Pre-existing ConditionsBudget plan

In Network:Pays fixed amount.

Out of Network:Pays fixed amount.

Direct Billing: Through First Health PPO Network

In Network:Pays fixed amount.

Out of Network:Pays fixed amount.

Direct Billing: Through First Health PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • 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
  • COVID-19 Coverage
Visitors Protect

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
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: Through United Healthcare PPO Network

In Network:75% up to policy maximum.

Out of Network:60% up to policy maximum.

Direct Billing: Through United Healthcare PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • 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 optional add-on benefits available
  • COVID-19 Coverage: Included
USVisit-Pro®

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Pre-existing Coverage (limits apply*)Visitors to the USA

In Network:80% up to policy maximum.

Out of Network:60% up to policy maximum.

Direct Billing: Through United Healthcare PPO Network

In Network:80% up to policy maximum.

Out of Network:60% up to policy maximum.

Direct Billing: Through United Healthcare PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • 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 optional add-on benefits available
  • COVID-19 Coverage: Included
INF Elite

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: C&F Crum & Forster

Best for:
Pre-existing Coverage (limits apply*)

In Network:80% up to policy maximum.

Out of Network:60% of URC, up to policy maximum.

Direct Billing: Through United Healthcare PPO Network

In Network:80% up to policy maximum.

Out of Network:60% of URC, up to policy maximum.

Direct Billing: Through United Healthcare PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • 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
INF Premier

Limited CoverageLimited Coverage A.M. Best Rating: A
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: Through United Healthcare PPO Network

In Network:Pays fixed amount.

Out of Network:Pays fixed amount.

Direct Billing: Through United Healthcare PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • 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

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.

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