When it comes to visitors’ insurance for pre-existing medical conditions in 2024, choosing the right plan can protect both your health and your peace of mind.

When planning a visit to the United States, adequate health coverage is essential, especially for visitors who may have a pre-existing medical condition.

Visitors insurance specifically designed to cover pre-existing conditions can be a lifesaver, offering peace of mind and financial protection. Don’t let a pre-existing condition worry from traveling outside your home country.

In 2024, very select few top-tier travel insurance plans provide comprehensive coverage tailored to meet the needs of travelers with pre-existing conditions.

This article will explore these travel insurance plans in detail, discuss the importance of pre-existing condition coverage, and provide insights into selecting the best visitor insurance for your needs.

Travel Insurance For A Pre-Existing Medical Condition

A medical problem on a trip can burn a big hole in your pockets, a pre-existing condition insurance can protect you.

At OnshoreKare we offer a wide choice of travel medical insurance plans that offer coverage for a pre-existing condition.

You can explore these top 7 travel medical insurance plans that cover a pre-existing condition before buying insurance for your upcoming trip:

1. INF Elite
2. INF Elite X Plus
3. INF Premier
4. INF Premier Plus
5. INF Premier X
6. INF Premier Plus X
7. Visitors Protect

Most travel insurance policies offer coverage for the acute onset of a pre-existing condition. A travel insurance company wants to keep their risks to a minimum and a pre-existing condition insurance increases their risks multi-fold.

INF Insurance company is one of the few travel insurance companies that offer pre-existing condition insurance. International Medical Group (IMG) travel insurance company offers Visitors Protect a pre-existing condition insurance plan.

What Is Visitors Insurance For Pre-Existing Medical Conditions?

Health insurance from your home country usually does not provide medical insurance when traveling abroad.

Healthcare in the USA is costly and you need international health insurance aka travel medical insurance to safeguard against unforeseen medical and non-medical risks.

Visitor insurance for pre-existing medical conditions is a type of travel health insurance specifically designed for international travelers.

A pre-existing condition is any health issue or medical condition, including chronic conditions like diabetes, heart disease, or high blood pressure, that existed before the insurance policy’s effective date.

Such travel insurance insurance plans are essential for individuals traveling to countries like the United States, where healthcare costs are notoriously high.

Without proper travel insurance coverage, a medical emergency related to a pre-existing condition could lead to significant out-of-pocket expenses.

Visitors’ insurance plans for pre-existing conditions typically cover eligible medical expenses arising from the acute onset of a pre-existing condition and treatment for a pre-existing condition as per limits and details of the insurance policy, making them a critical safety net for travelers.

Understanding Pre-Existing Conditions

A pre-existing condition is any medical condition that was diagnosed, treated, or had symptoms within a specific period before the start of the insurance policy.

Common health conditions considered pre-existing conditions in travel insurance include:

• Diabetes
• Hypertension (High Blood Pressure)
• Coronary Heart Disease
• Cardiac Conditions
• Asthma
• Chronic Obstructive Pulmonary Disease (COPD)
• Cancer
• Arthritis

Medical bills for these conditions are not covered by standard visitor insurance plans, leading to the need for specialized coverage.

Most standard travel insurance plans offer coverage for the acute onset of pre-existing conditions. The acute onset coverage only helps stabilize the condition at a medical facility. It will not cover expenses for medical treatment and consequences related thereto of the pre-existing condition.

The key terms associated with pre-existing condition coverage include “acute onset of pre-existing conditions,” which refers to a sudden and unexpected occurrence of a pre-existing condition that requires immediate medical attention.

Note:

• Travel insurance companies always have exclusions in their plans, this applies to pre-existing medical condition plans as well
• Always read your travel insurance policy document and the travel insurance policy wording, before buying insurance make sure the travel insurance plan offers the coverage you need
• Pre-existing conditions that need to be covered should be checked. For example, cancer treatment may not be covered in a travel insurance plan but it may cover other pre-existing medical conditions
• The travel insurance policy wording will list the inclusions, exclusions, limits, and restrictions. Know the claims processes for insurance policy coverage and if the plan offers cashless claims
• Acute onset coverage and pre-existing conditions covered mean different things. Opt for a suitable plan that provides the coverage you need

Why Pre-Existing Condition Coverage Is Essential

Travelers with pre-existing conditions face a higher risk of medical emergencies during their trip. The costs of treating these conditions abroad can be astronomical, particularly in countries with expensive healthcare systems like the USA.

Pre-Existing Coverage Benefits:

• Financial Protection: Pre-existing condition insurance ensures that you are protected from the high costs of medical treatment related to your existing health issues
• Peace Of Mind: A pre-existing condition coverage allows you to travel with confidence, focusing on enjoying your trip rather than worrying about potential medical emergencies
• Access To Quality Care: With proper pre-existing condition coverage, you can access top-tier medical facilities and treatment without worrying about the financial burden. Most plans offer PPO Network access like United Healthcare or PHCS

Top Visitors Insurance Plans For Pre-existing Conditions In 2024

OnshoreKare offers a selection of visitors’ insurance plans specifically designed to cover pre-existing conditions.

These plans provide varying levels of coverage, policy maximums, and additional benefits to cater to different needs and budgets. Pre-existing condition coverage plans:

1. INF Elite

The INF Elite plan is a popular choice for travelers seeking comprehensive coverage for pre-existing medical conditions. It also safeguards against new sickness and accidents.

This plan offers:

• Coverage For Pre-Existing Conditions: INF Elite covers eligible medical expenses arising from pre-existing conditions with no benefit waiting period
• Policy Maximum: Up to $1,000,000 for medical expenses, ensuring significant financial protection
• Additional Benefits: Includes emergency medical evacuation, repatriation of remains, and coverage for trip interruption benefits due to medical reasons

This plan is ideal for travelers with chronic conditions that may require immediate medical attention during their trip.

2. INF Elite X Plus

The INF Elite X Plus is an enhanced version of the INF Elite plan, The standout feature of this plan is its inclusive coverage of pre-existing conditions.

• Policy Maximum: Up to $250,000 for medical expenses
• Preventive Care: Allows visitors to have preventive care while visiting the U.S.
• Comprehensive Coverage: Covers pre-existing conditions with no benefit waiting period
• Additional Benefits: This plan includes coverage for emergency medical evacuation, ensuring access to specialized care if needed

INF Elite X Plus is suitable for travelers with more severe pre-existing conditions or those seeking higher coverage limits.

3. INF Premier

The INF Premier plan offers solid coverage for pre-existing conditions, with a focus on affordability.

• Coverage For Pre-Existing Conditions: Provides coverage for eligible expenses related to pre-existing conditions
• Policy Maximum: Up to $1000,000 for medical expenses
• Additional Benefits: Includes emergency medical evacuation, trip interruption benefit, and repatriation of remains

This plan is a good option for budget-conscious travelers who still want reliable coverage for their pre-existing conditions.

4. INF Premier Plus

INF Premier Plus is a step up from the INF Premier plan, offering higher policy limits and additional benefits.

• Higher Policy Maximum: Up to $300,000 for medical expenses
• Comprehensive Coverage: Covers pre-existing conditions and other medical expenses
• Additional Benefits: Includes coverage for trip interruption benefit, emergency medical evacuation, and repatriation of remains

This plan is ideal for travelers who want more extensive coverage without a significant increase in cost.

5. INF Premier X

The INF Premier X offers even higher coverage limits, making it a suitable choice for travelers with significant medical needs.

• Enhanced Policy Maximum: Up to $1,000,000 for medical expenses
• Pre-Existing Coverage: Comprehensive coverage for pre-existing conditions
• Additional Benefits: Repatriation of remains coverage, emergency medical evacuation, and coverage for trip Interruption Benefit

INF Premier X is designed for travelers with severe pre-existing conditions or those who want the highest possible coverage limits.

6. INF Premier Plus X

INF Premier Plus X is the top-tier option in the INF Premier series, offering the most extensive coverage and benefits.

• Maximum Coverage Limits: Up to $300,000 for medical expenses
• Comprehensive Pre-existing Condition Coverage: Covers expenses related to pre-existing conditions
• Additional Benefits: Includes trip interruption, repatriation of remains, emergency medical evacuation, and more

This plan is ideal for travelers with complex medical needs who require the highest level of coverage available.

7. Visitors Protect

Visitors Protect is another excellent option for travelers with pre-existing conditions, offering a balance of coverage and affordability.

• Pre-existing Condition Coverage: Covers eligible medical expenses related to pre-existing conditions
• Policy Maximum: Up to $250,000 for medical expenses
• Additional Benefits: Includes emergency medical evacuation, repatriation of remains, and coverage for interfacility Ambulance transfer

This insurance plan is a well-rounded plan suitable for most travelers with pre-existing conditions, providing essential coverage without breaking the bank.

Factors To Consider When Choosing Visitor Insurance For Pre-existing Conditions

Selecting the right visitors’ insurance plan requires careful consideration of several factors:

1. Coverage For Pre-Existing Conditions

Ensure that the plan specifically covers pre-existing conditions and offers comprehensive benefits. Look for plans that cover the acute onset of pre-existing conditions, as this is a common exclusion in many standard travel insurance policies.

2. Policy Maximums

The policy maximum is the maximum amount the insurance company will pay for covered expenses. Choose a plan with a policy maximum that aligns with your potential medical needs. Higher policy maximums offer more protection but may come with higher premiums.

3. Sub Limits

Some plans may have sub-limits on specific benefits, such as emergency medical care limits, limits for medical examinations like lab tests, and hospitalization limits per day. Review these sub-limits carefully to ensure they meet your needs.

4. Additional Benefits

Consider the additional benefits offered by the plan, such as coverage for trip cancellation, mental health conditions, and emergency medical evacuation. These benefits can add significant value to the plan and provide extra protection during your trip.

5. Eligibility Requirements

Ensure that you meet the eligibility requirements for the plan. Some plans may have age restrictions or other criteria that must be met to qualify for coverage.

6. Exclusions

Be aware of any exclusions in the policy, particularly related to pre-existing conditions. Some plans may not cover certain conditions or may have limitations on coverage for specific medical issues.

How To Apply For Visitors Insurance For Pre-Existing Conditions

Applying for visitors insurance with pre-existing condition coverage is a straightforward process. Follow these steps:

1. Research Plans: Start by researching the available plans on OnshoreKare, focusing on those that offer comprehensive coverage for pre-existing conditions
2. Compare Benefits: Compare the benefits, policy maximums, and additional features of each plan to determine which one best suits your needs
3. Check Eligibility: Review the eligibility requirements for each plan to ensure you qualify for coverage
4. Get A Quote: Use OnshoreKare’s online tools to get a quote for your chosen plan. This will give you an idea of the premium cost
5. Purchase The Plan: Once you’ve selected the right plan, you can purchase it online through OnshoreKare’s secure platform
6. Review Policy Documents: After purchasing, carefully review the policy documents to understand the coverage details, exclusions, and claims process
7. Keep Your Policy Information Handy: Make sure to keep your policy information accessible during your trip, including emergency contact numbers and instructions for seeking medical care
8. Effective Date: Ensure to include the travel dates from your home country to ensure coverage is included from the time to fly to the time you return from your trip

Conclusion

Choosing the best visitor insurance for pre-existing medical conditions in 2024 requires careful consideration of your health needs, travel plans, and budget.

OnshoreKare offers a range of plans specifically designed to cover a pre-existing medical condition.

Reach out to our team at +1 855 652 5565 for any help you need to get a travel insurance plan for pre-existing conditions coverage.