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Visitors Insurance Covering Pre-existing Conditions

Acute-Onset of Pre-existing Conditions Coverage

Review & buy visitor medical insurance for visitors to the USA. Best visitor health insurance plans from top-rated carriers that meet your specific coverage needs also fit your budget. Contact us today, we can help guide & advise you!

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, all visitor medical insurance plans exclude these pre-existing conditions. Remember that certain plans only offer a limited option of acute-onset of pre-existing conditions for visitors, age and other restrictions apply.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency. Time to stop shopping and comparing around, and purchase with confidence a trusted and rated plan.

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.
NOTE: Policies that include coverage for the global COVID-19/SARS-CoV-2 coronavirus disease pandemic are marked: COVID-19

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 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 Insurance – 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 Insurance 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.
  • Liaison Travel Choice – Comprehensive Coverage up to $5,000,000 policy maximum for non-US citizens under age 70, Acute Onset of a Pre-existing Condition covered with maximum up to $30,000 per policy period. If you are age 70 years and over, this benefit amount is limited to $5,000. Emergency services & assistance limit includes $25,000. For US residents, if you are under the age of 70 years traveling outside US or Canada, the plan covers for waiver of pre-existing conditions up to $50,000 per policy period. For those over the age of 70, the waiver is up to $10,000.

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 Tokio Marine HCC – Medical Insurance Services Group.

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

More Information

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.

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 Allied World Assurance Company, rated “A” (excellent) by A.M. Best.

Diplomat Long Term

Best Coverage Outside Home CountryCOVID-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 Allied World Assurance Company, rated “A” (excellent) by A.M. Best.

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.

Liaison Travel Plus

COVID-19 Coverage Outside Home CountryCOVID-19

Includes medical expenses for COVID-19 testing/treatment while traveling outside home country.

  • Medical for non-U.S. citizens visiting USA
  • Also for traveling outside home country
  • Age: 14 days old onwards up to 80+ years
  • Comprehensive plan, up to US$5M coverage
  • US$100K of comprehensive coverage for COVID-19
  • Wide PPO network, save on coinsurance options
  • US$25,000 Accidental Death and Dismemberment
  • Medical Evacuation & Emergency Reunion included
  • Renew to extend policy up to 1 year
  • Deductible choices: $0 to $2500 USD
  • Summary of benefits in plan brochure

More Information

Covers COVID-19  – Includes a benefit that covers medical expenses for COVID-19.

Liaison Travel Plus Insurance is travel medical insurance for individuals traveling outside home country. Liaison Travel Plus 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. Liaison Travel Plus 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.

Patriot America

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 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

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.

Liaison Travel Medical

Visitors to USA or International Travelers.

Travel Medical plan for USA visitors, or traveling outside home country.

  • Plan options: Basic, Choice or Elite
  • Comprehensive plan, provides up to US$5M coverage
  • Maximum: from US$50K to US$5M for the life of the plan.
  • Travelers over 70 years get $50K or $100K.
  • 80 years and older gets up to $20,000 max.
  • Deductible: from US$0 to US$2500 per certificate period.
  • Duration: 5 days to 364 days coverage period.
  • Acute Onset of Pre-Existing Conditions covered.
  • Renew to extend policy up to 1 year

More Information

COVID-19  – Does NOT cover medical expenses for COVID-19.

Liaison Travel Medical 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, Elite and Economy 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.
  • 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 NOT 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 Tokio Marine HCC – Medical Insurance Services Group.

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 NOT 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.

Inbound USA

Fixed Coverage for Visiting USA

Inbound to the USA basic medical coverage for non-U.S. citizens visiting USA on trips between 5 and 364 days.

  • Available plan options: Elite, Choice or Basic
  • Fixed benefit plan with capped scheduled benefits
  • Acute Onset of Pre-Ex coverage for ages below 80
  • No PPO network requirement, any hospital or doctor can be consulted
  • Coverage for 14 days old up to 99 years
  • Maximum from $50K up to $150K per Injury/Sickness
  • Senior citizens older than 70 years with generous maximums
  • No co-insurance and no co-pay, no PPO Network
  • Deductible applies per injury or sickness visit
  • Renew online to extend policy dates

More Information

COVID-19  – Does NOT 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.
  • 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 Travel Medical 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.

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

Contact Information:

Toll-Free (USA): 1-877-778-4562
International: +1-407-669-6400
Email:

Address:

Visitor Insurance Services LLC
1073 Willa Springs Drive, Suite 1009
Winter Springs, Florida 32708, USA

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.

The coverage benefits and premium price you want. The peace of mind you need!
Contact us today and a licensed insurance agent can help advise and guide you!