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Best Visitors Insurance Plans That Provide Pre-Existing Conditions Coverage

Millions of seniors worldwide travel abroad to and from various countries, with numbers that continue to grow. After retiring, seniors have the time and the money to travel; moreover, many have children working and living in other countries such as the USA, Canada and the UK. These young professionals that left their parents to pursue education and careers abroad likely left when they were young, to show their appreciation to their family they frequently invite their parents, in-laws or other elderly relatives from India, China and other countries to come and visit them as well as tour their newly adopted home. 

Unlike the cost of healthcare in their country of birth, healthcare costs in the U.S. are very high, therefore, purchasing travel insurance is highly recommended. However, many seniors suffer from various pre-existing conditions. Pre-existing conditions can be any medical condition that existed before the effective date of the policy, irrespective of whether you were knew of it, were diagnosed or received treatment. 

Unfortunately, visitors insurance plans are not designed to cover routine maintenance or expected expenses relating to pre-existing conditionsTravel insurance companies simply can not afford to do that. 

Many people who are considering travel insurance for their visiting parents are concerned about the coverage details for pre-existing conditions. This article describes the best and most that can be done regarding the coverage related to pre-existing conditions. 

Even though pre-existing conditions are not covered, there are many visitors insurance plans that provide the coverage for acute onset of pre-existing conditions, which is a sudden emergency that occurs without any prior warning and symptoms and you must go for treatment within the next 24 hours. Some visitors insurance plans have limitations of 48 hours before the acute onset of pre-existing conditions can be covered, which is simply to avoid the disputes with the customers who might end up waiting to purchase the insurance after they already start having problems. 

Insubuy is an industry leader in visitors insurance for trips to the U.S. and has been helping people worldwide for almost two decades. They suggest the following travel insurance plans to cover acute onset of pre-existing conditions for visitors to USA: 

  • Age Group 80-89 Years
    For senior most travelers, there are two visitors insurance plans with the most coverage for acute onset of pre-existing conditions:
    • Safe Travels USA Comprehensive
      For persons below the age group of 70 years, it provides acute onset of pre-existing conditions up to the policy max (cardiac $25,000).

      For persons in the age group of 70-89 years, it covers acute onset of pre-existing conditions up to $35,000 (cardiac $15,000).

      In other words, Safe Travels USA Comprehensive provides the maximum amount of coverage for the acute onset of pre-existing conditions for 80-89 age group. In addition to $30 copay for urgent care visit, this plan provides 100% coverage and one wellness visit.

      It is a very popular visitors insurance plan overall and especially popular for those aged 80-89 years, it is the most popular plan. 

    • Safe Travels for Visitors to the USA
      This travel insurance plan provides $15,000 for acute onset of pre-existing conditions coverage for the 80-89 age group and $50,000 in new medical conditions. 

      It pays a fixed amount for each and every procedure, as described in the schedule of benefits and you would pay the difference out of your pocket. 

      This plan also participates in a PPO network, making it a very popular fixed coverage visitors insurance plan. 

Visitors Insurance

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Pre Existing Conditions

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  • Age Group 70-79 Years
    • Atlas America
      While most comprehensive coverage plans provide a small amount or no coverage for acute onset of pre-existing conditions for visitors ages 70 and older, Atlas America can cover up to $100,000 in acute onset of pre-existing conditions for the 70-79 age group. 

      In addition to having a $15 copay and waiving the deductible for urgent care and walk-in clinic, it covers 100% within the PPO network

      It is the most popular visitors insurance with acute onset of pre-existing conditions for 70-79 age group. 

    • Safe Travels for Visitors to the USA
      This visitors insurance plan covers up to $35,000 (cardiac $15,000) in acute onset of pre-existing conditions for 70-79 age group. 

      It is a low-cost fixed coverage plan for budget-conscious travelers. It provides coverage for one wellness visit and it is the only fixed coverage plan that participates in the PPO network, providing the ease of direct billing and avoiding the hassles of filing for reimbursement later.

  • Under 70 years
    For this age group, there are many visitors insurance plans that provide a high amount of coverage for acute onset of pre-existing conditions:
    • Atlas America
      Provides the coverage for acute onset of pre-existing conditions up to the chosen policy maximum, where the options are available from $50,000 to $2,000,000. 

    • Patriot America Plus
      Provides acute onset of pre-existing conditions coverage up to the chosen policy maximum, with highest available up to $1,000,000.

    • Safe Travels USA Comprehensive
      This plan covers acute onset of pre-existing conditions up to the selected policy maximum. 

      For visitors under the age of 65 years, the coverage is available up to $1,000,000. However, for the 65-69 years age group, the maximum available is $100,000. 

    • Safe Travels for Visitors to the USA
      It is low cost fixed coverage plan that pays according to the schedule of benefits, where various policy maximums ranging from $25,000 through $175,000 are available. 

    • VisitorSecure
      Cheap visitors insurance that is a fixed coverage plan and pays as per the schedule of benefits. The policy maximums range from $25,000 to $130,000.

Tips

In any case, please go through the certificate wording of each insurance plan that you may be interested in to look at the complete details and exclusions. As all of the above-mentioned visitors insurance plans are extendable, if the visitor decides to stay for a longer duration, it can simply be extended online. 

With any visitors insurance plan, there are no medical exams or medical records requested before purchasing visitors insurance. After you become sick or are injured, the insurance company’s claims department will determine, based on the attending physician’s statement and medical records, whether something is a pre-existing condition, whether something is an acute onset of pre-existing condition, or whether something is a completely new medical condition. 

In other words, there is no way to be sure that a specific medical episode occurring to the visitor in the US would be covered or not. There is some degree of risk that you would have to take while deciding to invite elderly relatives to visit the US. 

As insurance regulations are very strict in the US, the insurance companies can’t deny any legitimate claims and they are required to pay according to the terms and conditions of the insurance policy you have purchased. In any case, if you run into any legitimate claim issues, Insubuy’s claims resolution specialist will help you at no additional cost to you. That is one of the major advantages of purchasing visitors insurance from a neutral broker such as Insubuy. Why not have the additional assurance, at no additional cost to you?

For visitors, travel, student and other international travel medical insurance.

Visit insubuy.com or call (866) INSUBUY or +1 (972) 985-4400