Visitors Insurance Covering Pre-existing Conditions
Acute-Onset of Pre-existing Conditions Coverage
Pre-existing Condition Coverage Visitors Insurance
Visitor Health Insurance is ideal coverage tourist or relatives/parents visiting USA, or for anyone traveling outside home country for business or leisure. Review coverage for sickness or injury, instantly buy Visitor Health Insurance today.
Visitors Insurance covering Pre-existing Conditions, also called Visitor Insurance for Pre-existing Conditions Coverage, also called Visitors Insurance with Pre-existing Coverage, or visitor insurance with acute onset pre-existing condition coverage, are visitor travel/medical/health insurance plans the provide USA visitors and international travelers visiting a foreign country with health coverage for acute-onset of pre-existing medical conditions, and cover sudden and unexpected issues resulting from relapse or sudden recurrence of pre-existing conditions that are otherwise well controlled and stable. Coverage for sudden and unexpected conditions that arises from pre-existing conditions that are otherwise well controlled and stable which is any medical condition the person might have been diagnosed with, or had any treatment for, or is taking any medication for prior to the start date of the insurance. Among the many plan offering, only some visitors medical insurance plans provide visitors insurance coverage for pre-existing conditions. Pre-existing conditions coverage in visitor insurance plans is important to understand if you have elder parents or senior relatives/in-laws who are tourists to US, and for family members visiting the United States (USA) or any foreign destination.
Visitors Insurance Covering Pre-existing Conditions
There is NO visitor insurance plan currently available to purchase that will cover ALL pre-existing conditions. To understand these plans, one must read the policy exclusions which is available in the description of coverage document or plan certificate. Most chronic medical conditions or congenital disorders are typically excluded from any claims. However, it is very common that most senior relatives or parents visiting USA or traveling abroad do have some form of pre-existing conditions such as High Blood Pressure, Diabetes, Arthritis, Heart Attack/Disease, Stroke, Kidney Dialysis, Tumors, etc. and require a visitor insurance plan to offer coverage. Currently, except for Visitors Protect Insurance which offers pre-existing condition coverage limited by amount and age, all other visitor medical insurance plans exclude these pre-existing conditions. Remember that certain other plans only offer a limited option of acute-onset of pre-existing conditions for visitors, age and other restrictions apply.
Visitor Health Insurance for USA - Popular Plans
Some of the popular visitor insurance plans that offer comprehensive or fixed benefits coverage. Review and buy only the best health insurance for visitors to USA, or for travel outside home country. Most of these policies now include coverage for the global COVID-19/SARS-CoV-2 coronavirus disease pandemic.
Comprehensive Coverage Plans
- Atlas America Insurance
- Patriot America Plus
- Patriot Platinum Insurance
- Atlas Premium Insurance
- Safe Travels USA Comprehensive
- Diplomat Long Term
- Diplomat America Insurance
- Patriot America Lite
- Atlas Essential Insurance
- Safe Travels USA Cost Saver
- Safe Travels USA
- Travel Medical USA – Choice
- Travel Medical USA – Basic
- Visit USA Insurance
Fixed Benefit Plans
Precautions for Visitors Who Travel with Pre-existing Conditions
Visitors to USA or travelers outside America with pre-existing conditions have to take extra care while in the United States or any foreign country to avoid possible medical emergencies. Visitors with medical history should always purchase a plan with a true pre-existing condition coverage. Currently, Visitors Protect Insurance offers true pre-existing condition coverage limited by amount and age. All other visitor medical insurance plans exclude these pre-existing conditions. Remember that certain other plans only offer a limited option of acute-onset of pre-existing conditions for visitors, age and other restrictions apply, with sudden and unexpected recurrence of a pre-existing condition coverage, otherwise an emergency due to a pre-existing medical condition may NOT be covered by their plan. There are some visitors insurance covering pre-existing conditions, but this coverage for acute-onset of pre-existing conditions only that are not excluded, age and other limitations apply.
Before deciding on purchasing any visitors insurance covering acute onset of pre-existing conditions or sudden and unexpected recurrence of a pre-existing condition, review policy coverage and features/benefits and compare visitor insurance plans to find the best visitor insurance for relatives or parents visiting USA offering coverage for acute-onset of pre-existing health conditions.
Visitors Insurance Covering Pre-existing Conditions - Comprehensive Plans
Visit the following highlighted links have more information on popular visitor medical insurance plans with comprehensive benefits and provide coverage for acute-onset of pre-existing conditions up to the specified amounts, age and other limitations apply:
- Atlas America Insurance – Comprehensive Coverage up to $2,000,000 maximum. Acute Onset of a Pre-existing Condition Coverage is available for travelers under age 80, for ages below 70 years, plans covers up to medical maximum for eligible medical expenses and up to $25,000 for Emergency Medical Evacuation. For ages 70-79 years, plan covers up to $100K maximum.
- Patriot America Plus – Comprehensive Coverage up to $1,000,000 maximum. Acute on-set of pre-existing condition for non-US citizens below the age of 70 years is covered up to the selected policy maximum for eligible medical expenses.
- Safe Travels USA Comprehensive is a comprehensive plan with up to $1,000,000 maximum, this is a primary insurance plan for ages up to 89 years. Plan includes Acute Onset of Pre-Existing Conditions coverage benefit for ages below 70 years with the maximum amount of $50,000, for ages 70-79 years, this amount is limited to $15,000.
Atlas America
Popular Plan for Visitors to the USA → COVID-19
Atlas America plan is a short-term visitor health insurance for individuals visiting USA, or traveling outside their home country.
- Ideal for relatives & parents visiting USA
- Single-trip plan for tourists in America
- From 5 days up to max. of 364 days
- Acute onset of pre-existing conditions
- Instant quote & buy, ID cards/proof
- Renewable & cancellable coverage
- Wide PPO Network for coinsurance savings
- Max. amounts from $50K to $2 Million
- Deductible choices from $0 to $5000
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Whether you are traveling for business or pleasure, Atlas America Insurance may be just what you’re looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports. Atlas Travel Insurance is underwritten by Lloyd’s, and is administered by WorldTrips.
Patriot America Plus
Top Plan for Visitors to the USA → COVID-19
Patriot America Plus is also a short-term visitor health insurance for individuals & family visiting the USA, or international travel abroad.
- Single-trip plan for tourists in America
- Ideal for relatives & parents visiting USA
- Foreign nationals visiting the USA
- Renewable & cancellable coverage
- Buy 5 days min., renew up to 24 months
- Acute onset of pre-existing conditions
- Instant quote & buy, ID cards/proof
- Max. amounts from $50K to $1 Million
- Deductible choices from $0 to $2500
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Patriot America Plus provides coverage for visitors to USA or non-US citizens traveling to America and outside their home country. Patriot America Plus plan is very similar to the Patriot America Insurance policy, but the Patriot America Plus plan provides enhanced benefit for the feature Acute Onset of a Pre-existing Condition coverage” up to plan maximum selected for individuals under age 70. Patriot America Plus is underwritten by Sirius and is administered by International Medical Group (IMG).
Patriot Platinum
Best Plan for Travel to USA or Intl. → COVID-19
Best rated medical coverage for individuals & family, Patriot Platinum America for visiting the USA, Patriot Platinum International for foreign travel outside America.
- For individuals, families and groups
- Enhanced features, higher maximums
- Pre-existing conditions (acute onset)
- Buy min. 5 days, renew to 36 months
- Get instant ID cards & visa letter
- Renew active policy, cancel anytime
- Maximum amounts up to $8 million
- Age 80+ individual get $20K max.
- High deductible, from $0 to $25K
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Covers COVID-19 – Testing/treatment of coronavirus included.
Patriot Platinum Insurance provides first-class medical coverage for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today. Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance Services. There are two plans available: Patriot Platinum International provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum America provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years. Patriot Platinum is underwritten by Sirius Insurance, and is administered by IMG.
Atlas Premium
Best Plan for Travel to USA or Intl. → COVID-19
Atlas Premium is a high-end comprehensive plan for visiting the USA, or international travel outside home country.
- Ideal for business travelers visiting USA
- Suits age 80+ visitors, get $20K max.
- Higher liability limits, enhanced features
- Get coinsurance savings even outside PPO
- Pre-existing conditions (acute onset)
- Buy duration up to 1 year, min. 5 days
- Get instant ID cards & visa letter
- Renew active policy, cancel anytime
- Max. amounts from $50K to $2 Million
- Deductible choices from $0 to $5000
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Atlas Premium Insurance is available for anyone traveling outside home country and looking for high-end comprehensive travel health coverage from 5 days and up to a year. In addition to medical benefits for accident and sickness, Atlas Premium Travel Medical Insurance plans enhances with no coinsurance to meet, added liability coverage benefits and a higher maximum limits for 80+ age with 20K maximum, and including emergency medical evacuation, repatriation, terrorism, political evacuation, and adventure sports.
Safe Travels USA Comprehensive
Best Plan for Travel to USA or Intl. → COVID-19
Ideal plan for non-US citizen or non-US resident individuals & family visiting the USA, or travel to USA and worldwide.
- Ideal for business travelers visiting USA
- Suits age 80+ visitors, get $20K max.
- Higher liability limits, enhanced features
- Get coinsurance savings even outside PPO
- Pre-existing conditions (acute onset)
- Buy duration up to 1 year, min. 5 days
- Get instant ID cards & visa letter
- Renew active policy, cancel anytime
- Max. amounts from $50K to $2 Million
- Deductible choices from $0 to $5000
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Safe Travels USA Comprehensive Insurance is a temporary accident and sickness and emergency services to to individuals and families visiting USA and traveling worldwide, who are 89 years or younger by age. This plan is primary insurance and is suitable for tourists and visitors to the United States, such as relatives or parents visiting USA. Safe Travels USA Comprehensive can be initially purchased for a minimum of 5 days up to a maximum of 364 days, and can be renewed also. Safe Travels USA Comprehensive Insurance plan is administered by Trawick International, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.
Safe Travels USA Cost Saver
Best Plan for Travel to USA or Intl. → COVID-19
Ideal plan for non-US citizen or non-US resident individuals & family visiting the USA, or travel to USA and worldwide.
- Ideal for business travelers visiting USA
- Suits age 80+ visitors, get $20K max.
- Higher liability limits, enhanced features
- Get coinsurance savings even outside PPO
- Pre-existing conditions (acute onset)
- Buy duration up to 1 year, min. 5 days
- Get instant ID cards & visa letter
- Renew active policy, cancel anytime
- Max. amounts from $50K to $2 Million
- Deductible choices from $0 to $5000
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Safe Travels USA Cost Saver Insurance is a low-cost basic accident and sickness and emergency services to to individuals and families visiting USA and traveling worldwide, who are 89 years or younger by age. This plan is primary insurance and is suitable for tourists and visitors to the United States, such as relatives or parents visiting USA. Safe Travels USA Cost Saver can be initially purchased for a minimum of 5 days up to a maximum of 364 days, and can be renewed also. Safe Travels USA Cost Saver Insurance plan is administered by Trawick International, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.
Diplomat America
Top Visitor Health Insurance USA → COVID-19
Diplomat America provides short-term coverage for non-US residents traveling to USA or outside their home country.
- Foreign nationals visiting the USA
- Suitable for tourist visitors to America
- Individual & family sickness/injury plan
- From 15 days minimum up to max. of 1 year
- Not Renewable coverage, buy for exact dates
- Acute-onset of pre-conditions existing
- No PPO network, visit any doctor or hospital
- Quote & purchase online single trip policy
- Each member covered: $50K to $1 million
- Choose policy deductible: $0 to $2,500
- Choose AD&D benefit: $25K to $1 million
- Child alone plan purchase allowed
- Optional rider for hazardous athletic sports
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Diplomat America Insurance policy provides up to $500,000 in coverage for foreign nationals visiting the United States for up to a year. Diplomat America plan includes accident and sickness medical coverage, travel assistance services, and AD&D, repatriation, evacuation benefits and more to non-US citizens while traveling outside their home country to the United States. Coverage is available for you, a second adult, unmarried dependent children, or children traveling alone. The minimum period of coverage that can be purchased is 15 days, the maximum is 12 months, and the plan is not renewable. Diplomat America plan is administered by Global Underwriters, and is underwritten by Crum & Forster SPC, rated “A” (excellent) by A.M. Best.
Diplomat Long Term
Best Coverage Outside Home Country→ COVID-19
International long term (LT) plan with renewable health coverage, three months to three years duration, for individuals & family visiting the USA, or for foreign travel to other nations also.
- Both visitor to USA & travelers outside US
- Long term international travel medical plan
- Minimum 3 months purchase required
- Renew to extend policy up to 3 years
- Maximum limits up to $1,000,000 USD
- Ages 70-79 yrs. get $100K USD max.
- Ages 80+ years get $20K USD max.
- Deductible choices: $0 to $5000 USD
- Summary of benefits in plan brochure
- Athletic Sports & Hazardous Activity rider
- Add-on optional War Risk rider to policy
- Home Country Coverage rider on return
- Expat US citizens visiting USA can buy
More Information
Covers COVID-19 – Does not exclude testing/treatment of coronavirus.
Diplomat Long Term Insurance (Diplomat LT) plan provides long term international travel medical coverage that can be purchased from three months up to three years. Diplomat LT policy provides up to $1,000,000 accident/injury and sickness/illnesss coverage, travel assistance services, optional home country coverage, and AD&D, repatriation, evacuation benefits and more, while traveling outside insured Home Country. Coverage is available for primary insured, a second adult, and unmarried dependent children, or children traveling alone. The minimum period that coverage can be purchased is 3 months, the maximum is 12 months., with extendable or renewable coverage up to 3 years. Diplomat LT plan is administered by Global Underwriters, and is underwritten by Crum & Forster SPC, rated “A” (excellent) by A.M. Best.
Patriot America Lite
Basic Comprehensive Plan for USA Visitors→
Patriot America is basic a short-term visitor medical insurance for individuals or family visiting the USA, or travel abroad internationally.
- Basic single-trip visitor medical plan for tourists
- No coverage for acute pre-ex conditions
- Foreign nationals visiting the USA
- Renewable & cancellable coverage
- Buy 5 days min., renew up to 24 months
- Cheaper premium costs & comprehensive
- Instant quote & buy, ID cards/proof
- Max. amounts from $50K to $1 Million
- Deductible choices from $0 to $2500
More Information
COVID-19 – Coverage for testing/treatment of coronavirus NOT included.
Patriot America Lite Insurance meets the health coverage needs of visitors to USA and travelers to America, who are visiting USA, or any other nation outside home country. Patriot America plan provides coverage for individuals and families who need temporary medical insurance while traveling for business or pleasure anywhere outside of home country of residence. IMG Patriot America plan is a short-term travel medical coverage for sickness/injury and includes many visitors insurance features part of the included coverage benefits. Patriot America Visitor Insurance policy is available in daily and monthly rates, and is renewable up to 24 months. Patriot America is underwritten by Sirius and is administered by International Medical Group (IMG).
Visit USA Insurance
Healthcare for Visitors to the USA → COVID-19
Older short-term coverage for tourists & visitors to the United States.
- 14 days old up to 99 years, visiting USA.
- Available: Superior, Standard, Budget options.
- Superior comprehensive plan with higher max.
- Standard policy with comprehensive coverage.
- Comprehensive pays 100% up to max. selected.
- Wide PPO network w/ comprehensive options.
- Budget basic fixed benefit pays fixed amounts.
- No PPO with fixed option, any doctor/ hospital.
- Plan benefit period up to 12 months.
- All VisitUSA plan options not renewable.
More Information
Covers COVID-19 – Testing/treatment of coronavirus included.
Visit USA Insurance is a temporary visitor medical insurance for tourists and visitors to the United States. Visit USA Insurance is comprehensive coverage plan and is also suitable for tourists and visitors to the U.S. who come for pleasure, business or study. Visit USA-HealthCare plan is available in three plan options: Superior, Standard and Budget. Visit USA HealthCare Insurance provides insurance coverage for Accident/Sickness Medical, Emergency Medical Evacuation and Assistance coverage in the United States. Visit USA Visitor Insurance plan is offered by USI Travel Insurance Services, and the policy is administered by Tokio Marine HCC – MIS Group.
Travel Medical Choice – USA
Popular Plan for Visiting USA COVID-19
Popular comprehensive plan for non-US citizens/residents visiting the USA and traveling elsewhere outside home country.
- Non-U.S. citizens visiting USA
- Traveling outside home country
- Age: 14 days to 80+ years old
- Comprehensive, US$1M max.
- Deductible: $0 to $5,000 USD
- US$100K COVID-19 test/treat
- Wide UnitedHealthCare PPO
- Save coinsurance in PPO
- AD&D up to US$25K
- Medical Evacuation & Reunion
- Renew to extend up to 1 year
More Information
Covers COVID-19 – Includes a benefit that covers medical expenses for COVID-19.
Seven Corners Travel Medical Choice USA Insurance is travel medical insurance for individuals traveling outside home country. Travel Medical Choice – USA includes COVID-19 treatment benefit that covers up to $100,000 in medical expenses for COVID-19, SARS-Cov-2 and any mutation or variation of SARS-CoV-2. This benefit is limited to $50,000 if you select a $50,000 medical maximum. The plan also includes an additional $500,000 for emergency medical evacuation and repatriation to transport a traveler to a medical facility with appropriate care, if medically necessary. It is important for customers to realize that even if they have domestic health insurance, it likely will not cover medical expenses including emergency medical evacuations incurred outside national borders white visiting the USA or traveling abroad. Plan is administered by Seven Corners Insurance and is underwritten by Certain Underwriters at Lloyd’s, London and is rated A “Excellent” by A.M. Best.
Travel Medical Basic – USA
Reliable and economical plan for USA COVID-19
Reliable and economical comprehensive plan for non-US citizens/residents visiting the USA and traveling elsewhere outside home country.
- Non-U.S. citizens visiting USA
- Traveling outside home country
- Comprehensive budget plan
- Maximum: US$50K to US$1M
- Deductible: US$0 to US$5,000
- Duration: 5 days to 364 days
- Over 70 years, $50K or $100K
- 80+ gets $10,000 max.
- Acute Onset of Pre-Existing
- Renew policy up to 1 year
More Information
COVID-19 – Does cover medical expenses for COVID-19.
Seven Corners Travel Medical Basic USA Insurance is best for visitors to the United States or travelers while outside of their fixed and permanent residence for 364 days or less. The Liaison Travel Medical plan has multiple co-insurance options, and can be purchased before or after arrival in the US or travel outside home country. Policy offers up to $5,000,000 in Medical Benefits, Emergency Evacuation, Repatriation, and 24-Hour Assistance Services, Pre-existing Condition waiver for U.S. citizens, acute Onset of Pre-existing Condition benefit for foreign nationals. Available in Choice and Basic options, this Seven Corners Insurance policy is underwritten by Certain Underwriters at Lloyd’s, of London and Tramont Insurance Company Limited.
Visitors Insurance for Pre-existing Conditions Coverage - Limited Benefit Plans
Visit the following highlighted links have more information on cheaper visitor medical insurance plans with benefits that are fixed or limited or scheduled per the Schedule of Benefits or Schedule of Coverage as listed in the corresponding plan brochure. These visitors insurance for pre existing conditions plans provide coverage for acute-onset of pre-existing conditions up to the specified amounts, age and other limitations apply:
- Visitors Care Insurance – Fixed Benefit Coverage up to $100,000. Non-US residents traveling to the USA with age under 70 years, covered up to selected plan maximum limit (Plan A: $25,000, Plan B: $50,000, and Plan C: $100,000) for Acute Onset of a Pre-existing Conditions (subject to sub-limits) for no additional cost. The Emergency Medical Evacuation that arises from this is limited to $25,000. The plan includes an amount of $2500 for heart attack and stroke for people above the age of 70, and $5000 for age below 70 years.
- Visitor Secure Insurance – Fixed or Limited Coverage up to up to $100,000. For visitors under age 70 years, the plan provides coverage for an acute onset of pre-existing conditions. Coverage up to $100,000 Maximum for eligible medical expenses and up to $25,000 for Emergency Medical Evacuation.
- Safe Travels Elite Insurance – Fixed benefit plan for visitors to the USA and travelers outside home country, purchase coverage from 5 up to 364 days, renew up to 2 years.
- Inbound USA Insurance – Fixed or Limited Coverage up to $100,000 for non-US citizens w/ age under 70 years, covered for an Acute Onset of a Pre-existing Condition for no extra cost. For ages 70-79, the maximum pre-ex coverage amount is $25,000 only. Coverage is available up to selected policy maximum, per policy period.
Visitor Secure
Low Cost Plan for USA Visitors→ COVID-19
VisitorSecure is a low-cost basic fixed-benefit plan with costs scheduled for every medical benefit, for USA visitors or international travelers.
- Minimum of 5 days, renew up to 1 year
- Fixed plan with medical benefits capped
- Summary of benefits w/scheduled limits
- No PPO network, any doctor or hospital
- Renew to extend policy up to 12 months
- Cancel plan, pro-rated refund if no claims
- Max. amounts from $50K to $1 Million
- Deductible choices from $0 to $2500
More Information
COVID-19 – Coverage for testing/treatment of coronavirus included.
Visitor Secure Insurance is a low-cost fixed benefit plan for relatives or parents visiting USA, or for travel by anyone outside America also. Quote and buy VisitorSecure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year. Visitor Secure is underwritten by Lloyd’s, and is administered by WorldTrips Insurance.
Visitors Care
Low Cost Plan for Visitors to the USA→ COVID-19
VisitorsCare is a basic low-cost fixed benefit plan suitable for individual & family visiting USA, includes optional heart care plus rider.
- Non-US residents visiting USA on budget
- Fixed plan with medical benefits capped
- Summary of benefits w/scheduled limits
- No PPO network, any doctor or hospital
- Minimum of 5 days purchase required
- Renew to extend policy up to 24 months
- Cancel, whole month refund if no claims
- Maximum limits: $25K, $50K or $100K
- Deductible (every visit): $0, $50, or $100
More Information
COVID-19 – Testing/treatment of coronavirus is included.
Visitors Care Insurance is a low-cost fixed benefit plan that is great insurance option when you have parents visiting the United States or for international travelers. Visitors Care Insurance provides affordable protection to citizens of any nation when traveling to the United States. VisitorsCare is is administered by IMG and underwritten by Sirius, a top-rated underwriter.
Safe Travels Elite
Fixed Plan for Visitors to the USA→ COVID-19
Low-cost scheduled budget plan with fixed benefits with many options to choose from.
- Visiting USA & travel to America
- Traveling outside home country
- Maximum: $25K – $175K USD
- Duration: 5 days to 364 days
- Emergency & Hospitalization
- Renew up to 2 years (24 months)
- Pre-existing recurrence
- Wide PPO Network, FirstHealth
- Med. Evacuation & Repatriation
More Information
COVID-19 – Coverage for testing/treatment of coronavirus included.
Safe Travels Elite (formerly know as Safe Travels for Visitors to the USA) is a fixed benefit visitor medical insurance plan offering scheduled visitors health insurance coverage for non-U.S. residents traveling outside their home country. This fixed or scheduled benefit plan offers accident and sickness visitors medical coverage specially designed for budget conscious visitors to USA or Canada, and including any international travel outside home country to any other nation abroad. This visitor insurance policy offers fixed coverage benefits as listed in the schedule of benefits available n the plan brochure, including Covid-19 coverage. This plan is available from a minimum of 5 days up to a maximum of one year, and is administered by Trawick International and underwritten by Crum and Forster, SPC.
Travel Medical USA Visitor
Inbound USA Visitor Insurance COVID-19
Choice & Basic options, low-cost fixed or scheduled benefit plan for non-US citizens or non-US residents visiting the USA.
- Previously Inbound USA Insurance
- Fixed benefit w/ lower costs
- Age: 14 days to 99 years
- Acute Onset of Pre Ex (till age 80)
- No PPO, any hospital or doctor
- Max: $50K to $150K, per loss
- Senior citizens older than 80 years
- No co-insurance or co-pay
- Pay deductible per incident
- Renew to 1092 days (3 years)
More Information
COVID-19 – Does cover medical expenses for COVID-19.
Inbound USA Insurance is a a fixed or scheduled benefit program providing basic medical coverage for non-U.S. citizens visiting the United States of America, with trips between 5 and 364 days for visitors to USA. Inbound USA is an affordable low-cost fixed benefit insurance option when you have parents visiting USA or for international travelers visiting America for a short-term duration up to a year. Inbound USA Insurance provides basic medical protection to citizens of any nation when traveling to the United States. InboundUSA is administered by Seven Corners Insurance and is underwritten by Certain Underwriters at Lloyd’s, London and is rated A “Excellent” by A.M. Best.
How do Insurance Companies Determine Pre-existing Medical Conditions
The common question among elderly relatives or parents visiting USA or travelers going abroad is what do insurance companies use to determine what is considered a pre existing medical condition. First and foremost, one must understand that no medical check-up or examination or prior medical recovers or physicians report is required to purchase short-term visitor medical insurance. The insurance company will rely on information gathered directly from the doctor, hospital, emergency room, or other care provider, and typically order the doctor’s report from the provider directly to review medications prescribed, patient medical history, any onset of symptoms present prior to incident, etc. In some instances, this information is also gathered from the Medical Information Bureau (MIB), where providers share certain medical information.
Visitor Medical Insurance
- Medical Expenses for Injury or Sickness
- Emergency Medical and Dental Expenses
- Inpatient/Outpatient Surgery Charges
- Sudden Dental Pain and Labs/Diagnostics
- Prescription Drugs and Medication Costs
- Emergency Medical Evacuation/Reunion
- Repatriation of Mortal Remains
- Affordable Comprehensive or Low-cost Fixed Benefit options
- Accidental Death & Dismemberment (AD&D)
- Flight Accident or Common Carrier Accidental Coverage
- End of Trip Home Country Coverage
- Trip Cancellation and Travel Interruption Benefits
Visitors Insurance Reviews
- Choice of Deductibles which is the amount you will pay prior to payments from the insurance company, deductible range from USD $0 to $2500 or more.
- Comprehensive plans require co-insurance, which is the percentage or amount of covered expenses that you pay, usually for the first USD $5000 in incurred expenses.
- Exclusion for pre-existing medical conditions, certain plans offer acute onset of pre-existing conditions coverage.
- Support for policy extensions or renewals, if coverage is purchased for a minimum period initially.
- Flexibility on your return date with renewable or extendable policies.
- Insurance available even for seniors over 70 and 80 years, ideal for parents or relatives visiting USA.
- The cost of the policy is dependent on age, gender, comprehensive or fixed benefit policy, and duration of stay.
- May offer reduced rates for dependent children included in the parents plan.
- Most plans can make direct payments to hospitals, laboratories, doctors and heath care provider in PPO Network.
- Secondary coverage: Implies in the event of loss or claim the plan will pay the remaining benefits after all other insurance plans your possess have made payments against the claim.
Pre-existing Conditions Visitors Insurance FAQs
Below are some of the questions frequently asked with the Pre-existing Conditions with regards to a visitors insurance plan:
What is a Pre-existing condition in Visitors Health Coverage?
Pre existing conditions are present or manifested prior to purchase
Pre existing condition is a medical or health issue that has existed in the insured individual, prior to purchase or enrollment in a visitor health insurance plan. What this means is that the condition has manifested and existed at the time of application for the insurance plan or immediately for a look-back period (certain period of time preceding the application to purchase of the policy). This is a general explanation of the term – Pre existing condition – and for a more exact terminology, always refer the the plan certificate of coverage.
How is Acute onset of pre existing condition determined?
Acute onset of pre existing condition based on doctor reports
When reviewing the feature acute onset of pre existing condition, it is important to have a clear understanding. This refers to a relapse or sudden recurrence of a pre existing condition without any forewarning, which usually needs immediate medical attention and emergency care. However, the gatekeeper to this determination is the the doctor/provider, and the medical report which is typically ordered by the insurance claims department during the underwriting process at the time of a claim to decide whether the incident can be considered as a acute onset of pre existing condition. In medicine, relapse or recidivism is a recurrence of a past condition is different than just stating that the plan offers blanket coverage for pre-existing conditions.
Do Visitors Insurance Plans Cover Pre-existing Conditions?
Some Only Cover “Acute-Onset Conditions”, Age & Other Restrictions Apply
The Visitors Insurance policy typically exclude coverage for any pre-existing condition, which is meant as any condition, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. It is important to note that only certain plans offer “acute-onset of preexisting conditions”, which refers to a sudden relapse or recurrence of a previously fully-treated condition (not ongoing or un-treated conditions). These select few visitor insurance plans that cover acute-onset conditions also restrict this feature at a certain age, most at age 70 years, some at 80 years. Further, all plans have a list of exclusions that is found in the certificate/brochure or description of coverage documents elaborating all conditions that the plan will exclude per the attending physicians report. It is prudent to review carefully the policy exclusions and be aware that these plans are mainly sickness/injury coverage for emergencies and conditions that are not excluded.
Why buying a plan with Acute onset feature important?
To include Coverage for Acute onset pre-existing conditions
Generally, when ages is above 50 years, people are prone to get into some or the other kind of health problems or issues, for which they need to follow a certain routine in their lifestyle. Most of the commonly diagnosed health problems today are blood pressure, diabetes, heart related issues, thyroid, arthritis, kidney related conditions, etc. Individuals above the age of 70 years are more than likely to be diagnosed with some of the health related problems as discussed. Considering modern way followed in the world we live in, it is highly unlikely for a person above 70 years to be fine and free of any health issues. The travel medical insurance industry is aware of this problem, to best serve elderly visitors to USA or travelers outside home country in a legit and balanced way, to do so it has come up with certain rules that are applicable for the coverage of pre existing condition. Please refer to the plan certificate for details.
Why Parents Visiting USA Need Acute-onset Pre-Ex Condition Coverage?
Ensures Relapse or Recurrence of Pre-existing Condition Coverage
When you have elder relatives or parents visiting USA, this is definitely an important feature that one has to consider when reviewing, comparing and selecting a any travel health insurance plan. Many travel health insurance plans normally exclude coverage for Pre existing conditions, some plan limit the amount, restrict this feature by age of the insured individual.
Visitor Insurance for USA Visitors
Visitor Insurance Services Review
- 7 day/week professional customer service
- Free online immigrant, travel medical and visitors insurance quotes
- Best price assured! Lowest price guaranteed for all policies
- Compare plans and rates from different insurance providers
- Plans for all nationalities, dependents, and visiting parents or relatives
- Absolute privacy of insurance subscriber information
- View and download immigrant and visitors insurance plan brochure
- No medical exam required to purchase visitor insurance policy
- Underwritten by top US insurance companies