Visitors Insurance for Travelers with Pre-Existing Medical Conditions

Travelers setting off on their journey may not realize that most travel insurance plans do not cover pre-existing medical conditions. Pre-existing conditions are those medical conditions that the individual may have been diagnosed with, had treatment for, or is taking medication for before the insurance started. Routine health care for chronic conditions like diabetes and high blood pressure are not a policy benefit. However, if the traveler experiences a unexpected or sudden medical emergency caused by a pre-existing medical condition, travel insurance that provides them with coverage for acute onset of their pre-existing condition may cover for such conditions. Of course, the main stipulation is that the policyholder’s condition is life-threatening and requires immediate medical attention.

Many individuals regrettably avoid traveling because of the risks associated with their chronic health conditions. However, if they were to purchase a travel insurance policy with acute onset coverage then they could freely travel with peace of mind knowing they will be protected. An acute onset of a pre-existing condition is an unexpected and sudden recurrence or outbreak of the pre-existing condition that happens with no warning. This type of coverage is a must have for anyone with a pre-existing condition, because if the condition suddenly resurfaces, the treatment may be covered under certain circumstances. Travelers with pre-existing medical conditions should never fear an unexpected medical crisis while exploring their favorite foreign city.

Best Comprehensive Travel Insurance Plans for Acute Onset of Pre-Existing Conditions

Atlas America Insurance

Acute Onset of Pre-existing Conditions Coverage

  • For travelers under age 70 years: up to policy maximum (up to $2,000,000)
  • For travelers age 70-79 years: up to $100,000
  • For travelers age 80 years over: No Coverage

Highlights

  • After deductible, the plan pay 100% upto policy maximum
  • Coverage available from 5 days to 364 days
  • Policy Maximum upto $2 Million
  • PPO Network – First Health Network
  • Emergency Medical Evacuation

Administrator:

Tokio Marine HCC

Coverage Type:

Comprehensive Coverage

Medical Benefit Options:

Upto $2 Million

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Patriot America Plus Insurance

Acute Onset of Pre-existing Conditions Coverage

  • For travelers under age 70 years: up to policy maximum (upto $500,000)
  • For travelers over age 70 years: No Coverage

Highlights

  • After deductible, the plan pays 100% upto policy maximum
  • Coverage for non-U.S. citizens traveling to the U.S.
  • Coverage available from 5 days to 365 days, renewable upto 24 months
  • PPO Network

Administrator:

IMG Global

Coverage Type:

Comprehensive Coverage

Medical Benefit Options:

Upto $500,000

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Safe Travels USA Comprehensive

Acute Onset of Pre-existing Conditions Coverage

  • For travelers under age 70 years: up to policy maximum
  • For travelers age 70-89 years: up to $25,000
  • For travelers with cardiac disease or conditions under 70 years: up to $25,000
  • For travelers with cardiac disease or conditions age 70-89 years: up to $15,000

Highlights

  • Accident and Sickness Medical Insurance for persons ages 14 days up to age 89 years with Evacuation and Repatriation Benefits
  • PPO Network: First Health Network
  • Benefits for persons while traveling to the United States and world wide with certain restrictions to specific countries and locations
  • Coverage from 5 days to 1 year and Renewable up to 2 years

Administrator:

Trawick International

Coverage Type:

Comprehensive Coverage

Medical Benefit Options:

$50,000 to $1,000,000

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Liaison Travel Elite Insurance

Acute Onset of Pre-existing Conditions Coverage

  • For travelers under age 70 years: up to $50,000
  • For travelers age 70-79 years: up to $10,000
  • For travelers age 80 years over: No Coverage

Highlights

  • After deductible, the plan pays 100% upto policy maximum, in network
  • Coverage available from 5 days upto 3 years
  • PPO Network: UnitedHealthCare
  • State restriction for Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA)

Administrator:

Seven Corners Insurance

Coverage Type:

Comprehensive Coverage

Medical Benefit Options:

Upto 5,000,000

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CoverAmerica-Gold

Acute Onset of Pre-existing Conditions Coverage

  • For travelers under age 70 years: up to $125,000
  • For travelers age 70-79 years: up to $30,000
  • For travelers age 80 years over: No Coverage

Highlights

  • After deductible, the plan pays 100% upto policy maximum
  • Coverage from 5 days to 364 days
  • $20-$25 copay for urgent care depending on policy maximum
  • Border Protection, Missed Connection, Loss of Passport & Theme Park Coverage
  • Most extensive PPO Network – UnitedHealthCare

Administrator:

SevenCorners Insurance

Coverage Type:

Comprehensive Coverage

Medical Benefit Options:

Upto $1,000,000

Buy Now


Affordable / Fixed Benefit / Limited Travel Insurance Plans for Acute Onset of Pre-Existing Conditions

ChoiceAmerica

Limited Pre-existing Condition Coverage with 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 for travelers under age 80 years

Highlights

  • Coverage from 5 days to 365 days
  • PPO Network – First Health Network but can visit any doctor or hospital
  • Provides Coverage for U.S., Mexico, and Canada
  • Coverage for Border Entry Denials, Loss of Passports, Adventure Sports and Amusement Park Injury Coverage

Administrator:

IMG Global

Coverage Type:

Limited or Fixed Benefits Plan

Medical Benefit Options:

Upto $150,000

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Visitors Care Insurance

Coverage for acute onset of pre-existing conditions up to $100,000 under age 80 years

Highlights

  • Coverage available from 5 days to 365 days, renewable upto 24 months
  • Policy maximum up to $100,000
  • Deductible per incident options available $0, $50 & $100

Administrator:

IMG Global

Coverage Type:

Limited Coverage

Medical Benefit Options:

Upto $100,000

Buy Now

Inbound USA Insurance

Coverage for Acute onset of Pre-Existing coverage up to policy maximum (up to $130,000) for travelers aged under 70 years.

Highlights

  • Coverage available from 5 days to 365 days
  • Policy maximum from $50,000 to $130,000
  • No PPO Network. Travelers can visit any doctor or hospital of their choice
  • State Restrictions for Maryland, Washington, New York, South Dakota, and Colorado

Administrator:

Seven Corners

Coverage Type:

Limited or Fixed Benefits

Medical Benefit Options:

$50,000 | $75,000 | $100,000 | $130,000

Buy Now

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