Do visitor insurance plans cover pre-existing conditions?

No. Visitor insurance plans do not cover pre-existing conditions. Many plans cover acute onset of pre-existing conditions, which arise suddenly without any warning or symptoms during your travel and need immediate treatment. The medical expenses related to acute onset are covered.

Does the premium change if you add pre-existing condition coverage?

No. Visitor insurance plans do not cover pre-existing conditions. Many plans cover acute onset of pre-existing conditions, which arise suddenly without any warning or symptoms during your travel and need immediate treatment. The medical expenses related to acute onset are covered.

What is the difference between the pre-existing and acute onset of pre-existing?

Every plan has its own definition of pre-existing conditions and the acute onset of pre-existing conditions. Typically, a pre-existing condition is an ailment you already have at the time of application. Acute onset is a condition that needs medical attention within 24 hours of the first symptom of the pre-existing condition. It is advisable to check the brochure and certificate of wordings to understand the difference

Is pregnancy a pre-existing condition?

Yes, if the policyholder is pregnant while purchasing a plan, it will be considered a pre-existing condition. The visitor insurance plans do not offer coverage for maternity and childbirth.

What are the common pre-existing conditions?

Cardiovascular disease, diabetes, flu, shingles, high cholesterol, high blood pressure, arthritis, cancer, AIDS, and more are common pre-existing ailments.

What is the lookback period in visitor insurance with pre-existing conditions?

The lookback period is the time that an insurance company will check to determine if a health issue is pre-existing or not. The lookback period varies from one insurance company to another and can be anywhere between 180 days to 2 years. Depending on the condition it may not be considered a pre-existing condition if the condition is treated before the lookback period. Chronic conditions like high blood pressure, diabetes, cancer, etc. will always be considered pre-existing conditions.

What is the waiting period in visitor insurance covering pre-existing conditions?

The waiting period refers to a time after which a pre-existing condition can be covered. It can vary from one insurance provider to another and has a duration of 6 months to 1 year. Some student plans may have a waiting period, but visitor plans have no waiting period as they cover only acute onset of pre-existing and not pre-existing conditions.

Should one disclose their pre-existing conditions to an insurance provider?

No, The applications do not ask for any medical history or physical conditions while purchasing pre-existing conditions insurance.

How to purchase a plan with pre-existing conditions?

You can contact us, and we will help you purchase the right plan. Or you can fill in the form present on our website to get quotes.

Can regular check-ups or doctor visits for a condition be covered in the policy?

Visitor insurance plans cover medical expenses for new illnesses or sickness or acute onset of a pre-existing condition per the schedule of benefits of the plan. Doctor visits if you are not well can be covered per the plan’s benefits. Preventive care (regular checks ups or immunizations) or doctors’ visits for pre-existing conditions are not covered under visitor insurance plans.

Visitor Insurance with Pre Existing Conditions for USA

Compare & buy the best visitors health insurance with Pre Existing Conditions for USA

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Visitor insurance with pre-existing conditions

Pre-existing conditions are no more a reason to stop you from enjoying your vacation in the US. NRIOL.net has different visitor insurance plans that cover acute onset of pre-existing conditions and helps travelers to have safe and fun-filled leisure or business travel.

Conditions like arthritis, heart diseases, diabetes, cholesterol, blood pressure, and more can put your health at risk while you are taking an international trip. Undoubtedly, the US has the most expensive healthcare cost compared to other countries globally, which is why visitor insurance with pre-existing conditions can be a savior!

NRIOL.net has various plans that suit your travel and health needs no matter what medical conditions you have. As each plan has its own definition of pre-existing and acute onset of pre-existing conditions, consider getting our help before purchasing. Call us or drop us an email; we will get back to you.

visitor insurance with pre-existing conditions

Popular Insurance Plans for Pre-Existing Conditions

Visitors Care

$30/mo

For age 45 years with $50,000 plan and $100 deductible

Available for ages from 14 days old to 90yrs and above
Choice of Plan maximum limits of $25,000, $50,000, $100,000
Choice of Deductible options of $0, $50, $100
Includes coverage includes Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
Includes coverage for non-chronic Acute Onset of Pre-existing conditions
Coverage from 5 days to 2 years

Safe travel Elite

$30/mo

For age 45 years with $50,000 plan and $100 deductible

Available for ages from 14 days old to 89yrs
Choice of Plan maximum limits of $25,000 to $170,000
Choice of Deductible options $0; For ages 79 to 89 yrs: $100, $200
Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
Includes coverage for 1 episode of Acute Onset of Pre-existing condition
Coverage from 5 days to 2 years

Safe Travel USA Comprehensive

$69/mo

For age 45 years with $50,000 plan and $250 deductible

Available for ages from 14 days old to 89yrs
Choice of plan maximum limits of $50,000 to $1 million
Choice of deductible options of $0 to $5000
Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
Includes coverage for 1 episode of Acute Onset of Pre-existing conditions
Coverage from 5 days to 2 years

Patriot America Plus

$71/mo

For age 45 years with $50,000 plan and $250 deductible

Available for ages from 14 days old and above
Choice of plan maximum limits of $50,000 to $1 million
Choice of deductible options from $0 to $2,500
Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
Includes coverage for non-chronic Acute Onset of Pre-existing conditions
Coverage from 5 days to 2 years

Atlas America

$80/mo

For age 45 years with $50,000 plan and $250 deductible

Available for ages from 14 days old to 80yrs and above
Choice of plan maximum limits ranging from $50,000 to $2 million
Choice of deductible options from $0 to $5,000
Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
Includes coverage for non-chronic Acute Onset of Pre-existing conditions
Coverage from 5 days to 364 days

Patriot Platinum

$142/mo

For age 45 years with $2 million plan and $250 deductible

Available for ages from 14 days old and above
Choice of plan maximum limits of $1 million to $8 million
Choice of deductible options from $0 to $2,500
Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
Includes coverage for non-chronic Acute Onset of Pre-existing conditions
Coverage from 5 days to 2 years

Safe Travel USA

$62/mo

For age 45 years with $50,000 plan and $250 deductible

Available for ages from 14 days old to 89yrs
Plan maximum limits ranging from $50,000 to $1 million
Deductible options from $0 to $5000
Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
Coverage for 1 episode of Acute Onset of Pre-existing conditions
Coverage from 5 days to 2 years

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What is a Pre-existing Condition in Health Insurance?

Typically, a pre-existing condition is referred to a medical condition that you are diagnosed with before purchasing a health insurance policy. If you are treated for an illness or taking medicines for the a condition and it exists at the time of insurance application, it will be considered a pre-existing condition. Pre-existing conditions can be severe or minor. Some of the common ones are diabetes, high blood pressure, cardiovascular diseases, sleep apnea, cancer, asthma, and more. Interestingly, pregnancy can also be considered a pre-existing condition if you have already conceived before getting a plan. The acute onset of some pre-existing conditions can be covered by NRIOL.net’s visitor insurance with pre-existing conditions.

The coverage and exclusion vary from one provider to another. Therefore, talking to an insurance provider about the plan’s details is recommended.

Advantages of Visitor Insurance with Pre-existing Conditions

Cashless treatment- US travel insurance that covers acute onset of pre-existing conditions helps members receive cashless treatment for the covered acute onset conditions.
Medical benefits– Apart from the pre-existing conditions, visitor insurance covers hospitalization charges, prescription bills, new illnesses, accidents, etc.
COVID-19 protection- Visitor insurance covering pre-existing conditions offers COVID-19 protection inside the US. The plans may cover you for the medical treatment if you contract the virus.
Medical evacuation– If your health worsens due to your pre-existing condition and needs to be evacuated to a qualified medical facility, your insurance plan can cover it.
Stress-free travel- Pre-existing conditions insurance for acute onsets ensures that you enjoy a stress-free vacation in the US without thinking about the medical costs you need to bear if you fall sick.

Best Plans for visitor insurance with pre-existing conditions

Safe Travel USA Comprehensive

Safe Travel USA Comprehensive is an affordable plan for visitors with pre-existing conditions and is made for non-US residents/citizens of America. The plan covers 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69-years & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70-years & above. Anyone up to 90 years of age can opt for this plan.
Patriot America Plus

Patriot America Plus provides you comprehensive coverage inside the US. The plan includes coverage for non-chronic acute onset of pre-existing conditions for people below 70-years of age. It can be brought for a minimum of 5 days to 2 years. Members can find different choices of plan limits and deductible options.

Visitors Care

Are you an international visitor to the US or any other country? If yes, then Visitors Care is for you! The plan comes with limited benefits and is ideal for US and non-US citizens/residents traveling outside their home country. It includes the acute onset of pre-existing conditions for people below 70 years of age.
Safe Travel Elite

Safe Travel Elite is for non-US citizens/residents and is planning to visit the US. Apart from medical benefits, it covers the acute onset of pre-existing conditions. However, the coverage limits can vary as per the insured’s age. Anyone up to 89 years of age can purchase this plan.

Why choose us for Visitor Insurance with Pre-existing Conditions?

Plans with best rates– NRIOL has different affordable visitor insurance with pre-existing conditions that suit every traveler’s needs.
Global networks– We are not geographically limited to the US. Our plans are recognized inside the US as well as outside.
Customer service– We offer round-the-clock customer service so that our members do not face any trouble while vacationing inside the US.

Easy purchase of plans– Tourists do not have to be stressed about purchasing a perfect plan. With a few clicks, you can sign up for the right policy.
Smooth claim process- We ensure that our members do not face trouble processing claims and reimbursement.

Pre-existing condition visitor insurance inclusion

Depending on the plan, one can understand what can be considered pre-existing ailment and the acute onset of the pre-existing ailment. For example, a diabetic individual falls sick during the trip and goes into a diabetic shock- it can be considered acute onset. But if the individual feels unwell during the journey as he has not taken his medicines may not be regarded as an acute onset. Call us to understand better.

Pre-existing condition visitor insurance exclusion

Plans covering pre-existing conditions for visitors to the US vary in what they include and exclude. Reading the brochure or talking to our insurance executive for better understanding is suggested.

FAQS

Do visitor insurance plans cover pre-existing conditions?

No. Visitor insurance plans do not cover pre-existing conditions. Many plans cover acute onset of pre-existing conditions, which arise suddenly without any warning or symptoms during your travel and need immediate treatment. The medical expenses related to acute onset are covered.
Does the premium change if you add pre-existing condition coverage?

No, the rates or the premium do not change. US travel insurance that covers acute onset of pre-existing conditions either includes coverage or excludes coverage . You do not pay an extra premium to add it to your existing plan. You need to purchase a plan that includes acute onset coverage.
What is the difference between the pre-existing and acute onset of pre-existing?

Every plan has its own definition of pre-existing conditions and the acute onset of pre-existing conditions. Typically, a pre-existing condition is an ailment you already have at the time of application. Acute onset is a condition that needs medical attention within 24 hours of the first symptom of the pre-existing condition. It is advisable to check the brochure and certificate of wordings to understand the difference.
Is pregnancy a pre-existing condition?

Yes, if the policyholder is pregnant while purchasing a plan, it will be considered a pre-existing condition. The visitor insurance plans do not offer coverage for maternity and childbirth.
What are the common pre-existing conditions?

Cardiovascular disease, diabetes, flu, shingles, high cholesterol, high blood pressure, arthritis, cancer, AIDS, and more are common pre-existing ailments.
What is the lookback period in visitor insurance with pre-existing conditions?

The lookback period is the time that an insurance company will check to determine if a health issue is pre-existing or not. The lookback period varies from one insurance company to another and can be anywhere between 180 days to 2 years. Depending on the condition it may not be considered a pre-existing condition if the condition is treated before the lookback period. Chronic conditions like high blood pressure, diabetes, cancer, etc. will always be considered pre-existing conditions.
What is the waiting period in visitor insurance covering pre-existing conditions?

The waiting period refers to a time after which a pre-existing condition can be covered. It can vary from one insurance provider to another and has a duration of 6 months to 1 year. Some student plans may have a waiting period, but visitor plans have no waiting period as they cover only acute onset of pre-existing and not pre-existing conditions.
Should one disclose their pre-existing conditions to an insurance provider?

No, The applications do not ask for any medical history or physical conditions while purchasing pre-existing conditions insurance.
How to purchase a plan with pre-existing conditions?

You can contact us, and we will help you purchase the right plan. Or you can fill in the form present on our website to get quotes.
Can regular check-ups or doctor visits for a condition be covered in the policy?

Visitor insurance plans cover medical expenses for new illnesses or sickness or acute onset of a pre-existing condition per the schedule of benefits of the plan. Doctor visits if you are not well can be covered per the plan’s benefits. Preventive care (regular checks ups or immunizations) or doctors’ visits for pre-existing conditions are not covered under visitor insurance plans.

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Visitor Insurance with Pre Existing Conditions for USA

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Visitor insurance with pre-existing conditions