Visitors Insurance for Heart Conditions

Heart Attack Travel Insurance

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Health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.

Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions**". This is insurance coverage when an existing medical ailment becoming life threatening and needs emergency medical care. This coverage will have exclusions for coverage of gradual or slow worsening of the existing ailment which are not life threatening.

INF is one of the few US travel insurance companies offering visitor travel insurance to the US, Canada or Mexico with full coverage for pre-existing ailments. INF offers the best US travel insurance for pre-existing medical conditions with full Pre-existing conditions coverage. INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits and anything related to pre-existing conditions.

Since the INF plans treat pre-existing conditions like any new sicknesses, prescription medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions**'. Some common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This additional coverage explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment

Why are INF Full travel insurance pre-existing conditions plans more expensive than other travel insurance covering pre-existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a new Accident and Sickness, subject to the policy maximum and deductible limits. This guaranteed coverage explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions**'

Does INF travel insurance really offer coverage for pre-existing conditions?

Even though it is hard to believe, the answer is Yes. INF insurance does cover any pre-existing conditions ranging from Diabetes, Blood pressure, Arthritis and diseases due to Kidney complications. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

Are prescription medications covered by INF’s visitor insurance with pre-existing conditions coverage plans?

Prescription Medications are covered when prescribe for a recent incident caused by a pre-existing condition. Maintenance medications, such as Lipitor, are not covered under this plan. In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 plans.

Note: **Both the INF Premier plan and INF Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition is covered.

Travel insurance tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of waiting periods for coverage of pre-existing conditions.
  4. Consider purchasing a US foreign national health insurance policy with higher coverage limits.
  5. Take a copy of your medical records and a list of medications with you when you travel.
  6. Be sure to take your prescription and medication with you during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US foreign health insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Visitors Insurance for Heart Conditions

Visitors Insurance are very popular given the increase in the number of people traveling outside their home country. People who travel internationally, are often insecure about the coverage for healthcare, while they are in a foreign land. In case of any unforeseen injury or illness healthcare becomes hugely expensive, when it comes to developed countries like the US and other parts of Europe. It is intimidating to be without best international travel health insurance in a foreign land which means you will have to pay out of pocket in case of unexpected injury or sickness that might need medical assistance.

visitor insurance coverage for heart conditions

With all this being said, people are eagerly looking to buy health insurance plans for visitors before leaving their home country in order to have this protection shield while traveling. There are various travel health insurance plans also known as visitor insurance plans available online.

Before buying health insurance plan for a temporary basis for visit to a foreign country, it is necessary to remember certain points:
  • Duration of the visit
  • Age of the visitor/visitors
  • Home country citizenship
  • Destination country
  • Any extra coverage needed for the visitor's existing health condition.
Let's talk about a pre-existing condition heart related condition and heart insurance for visitors:
The most important exclusion in the insurance for coverage of pre-existing condition is that, the prescription medication and the routine maintenance involved in treating the condition is not covered. Only any emergency or urgent situations, which can be reported by the doctor as acute onset or sudden recurrence of the pre-existing condition will be covered.

Travel insurance Heart Attack

Heart diseases including heart attack rates have increased greatly in the recent years. Studies show that people suffer from various kinds of heart related diseases. Medical care in the US is very expensive. A Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000. As far as the visitor health insurance is concerned, if the condition has occurred prior to the insurance plan becomes effective, it is considered as a pre-existing condition. Heart Attack is one such heart related pre-existing condition. Most of the visitor health insurance for pre-existing condition plans available in the market today, have coverage for the acute onset or sudden recurrence of pre-existing condition. Some visitor insurance plans from INF cover these pre-existing medical ailments. There are various travel insurance for heart attack patients, People with age of below 70 qualify for the maximum coverage available for the acute onset of pre-existing condition in a plan. Some plans limit this age to 65. For people above age 70, the options get limited and similarly the amount covered also reduces. Most comprehensive visitor insurance plans provide minimum coverage for even people above age 70. The bottom line is to find the right plan for your specific needs. Atlas Travel and Atlas Premium insurance for heart conditions from WorldTrips are excellent comprehensive plans which extend their coverage for acute onset of pre-existing condition for people above 70 until age 80. These plans have worldwide coverage available


Travel Medical plans from Seven Corners are definitely good comprehensive choices for travel outside home country which offer health insurance for heart patients. . They have worldwide coverage available with coverage for acute onset of pre-existing condition.

Amongst the Fixed benefit plans, Visitors care insurance offers heart attack travel insurance coverage for acute onset of pre-existing conditions with sublimits.

Another fixed benefit plan from Trawick International called Safe Travels Elite covers up to $25,000 for pre-existing conditions which are cardiac or heart related diseases for people up to and including age 69. For people above this age, the Safe Travels Elite Diamond plan pays up to $15,000 for pre-existing conditions which are cardiac or heart related diseases.

INF travel insurance

INF INF offers excellent visitors medical insurance in the United States which includes adequate coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling. Following are the best US travel insurance.
There are popular visitor insurance plans that offer coverage for pre-existing conditions and heart attack insurance.
  1. INF Premier plan: Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
  2. INF Elite plan:This plan provides a fixed policy maximum of policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    policy maximum of $75,000 covers pre existing condition and provides up to $20,000 with a pre-existing deductible of $1,500.
  3. INF Elite Plus plan: This plan provides a fixed policy maximum of policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    policy maximum of $75,000 covers pre existing condition and provides up to $20,000 with a pre-existing deductible of $1,500.
  4. INF Elite 90 plan: This plan provides a fixed policy maximum of policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    policy maximum of $75,000 covers pre existing condition and provides up to $20,000 with a pre-existing deductible of $1,500.

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Cost of best US travel insurance for pre-existing conditions

There is no single cost for all visitors insurance as the cost of US visitors insurance varies based on several such as the age of the visitor, medical maximum coverage, deductible for the plan, type of visitors insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travel insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

Age: 40 years; Duration: 1 Month; Deductible: $0

  • INF Elite Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
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    INF Elite Plus Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Pre-Existing complications from Covid-19 covered.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
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    INF Elite 90 Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Covers 90% of eligible medical expenses
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $752 - $841
    Coverage range $150,000 - $300,000
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    INF Premier Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range $278 - $448
    Coverage range $150,000 - $300,000
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  • Patriot America Plus Insurance Acute Onset of a Pre-Existing Condition

    • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
    • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
    • Available for US citizens visiting USA
    Estimate Plan Cost
    Price range $90 - $170
    Coverage range $50,000 - $1,000,000
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    Visitors Protect Insurance Full Pre-existing condition

    • It is an affordable plan for visitors visiting the US.
    • This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
    • Visitors Protect Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $485 - $728
    Coverage range $50,000 - $250,000
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  • Travel Medical Plus Insurance Acute Onset of a Pre-Existing Condition

    • Travel Medical Plus Covid insurance offers coverage for coronavirus.
    • Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79.
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74.
    Estimate Plan Cost
    Price range $160 - $290
    Coverage range $50,000 - $1,000,000
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    Travel Medical Basic Insurance Acute Onset of a Pre-Existing Condition

    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
    • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
    Estimate Plan Cost
    Price range $110 - $180
    Coverage range $50,000 - $1,000,000
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  • Atlas America Insurance Acute Onset of a Pre-Existing Condition

    • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $110 - $230
    Coverage range $50,000 - $2,000,000
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    Visitor Secure Insurance Acute Onset of a Pre-Existing Condition

    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    Estimate Plan Cost
    Price range $40 - $80
    Coverage range $50,000 - $130,000
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  • Safe Travel USA Comprehensive Insurance Acute Onset of a Pre-Existing Condition

    • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
    • Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Insurance Unexpected recurrence of a pre-existing

    • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
    • Safe travel USA Covid insurance offers coverage for coronavirus.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Cost Saver Insurance Unexpected recurrence of a pre-existing

    • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    • Eligible for foreign residents visiting USA and worldwide
    • It offers coverage for visitors up to 89 years.
    Estimate Plan Cost
    Price range $70 - $120
    Coverage range $50,000 - $1,000,000
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    Safe Travels Elite Insurance Acute Onset of a Pre-Existing Condition

    • Foreign residents visiting USA and worldwide.
    • Plan can be renewed up to 2 years.
    • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
    • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
    Estimate Plan Cost
    Price range $40 - $60
    Coverage range $50,000 - $175,000
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  • Diplomat America Insurance Pre-existing condition exclusion

    • This plan is for Non Us citizens and Non US residents visiting the US.
    • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
    Estimate Plan Cost
    Price range $130 - $220
    Coverage range $50,000 - $1,000,000
    Buy now
  • Visit USA Insurance Acute Onset of a Pre-Existing Condition

    • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
    • Visit USA offers 3 plans to satify your requirements and budget.
    • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
    Estimate Plan Cost
    Price range $50 - $190
    Coverage range $50,000 - $250,000
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Heart Attack travel insurance - FAQ

Which travel insurance covers heart attack?

This is a tough question. And, unfortunately, the answer depends on where you are traveling to and from.

For people that are traveling to the US from abroad:

As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries. Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance.

This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here. Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation.

However, the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip). Check out trip cancellation plans.

Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage. And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Travel Insurance for Pre-existing - FAQ's

Which travel insurance covers asthma?

Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.

It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.

If asthma is not considered chronic, then an emergency due to asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.

Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.

These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).

Do I need to declare arthritis on travel insurance? Do I have to declare rheumatoid arthritis on travel insurance?

No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance.

As far as I know, arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies. If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.

You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage. The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy.

Note that these policies are best for people who want health insurance for a whole year, or better, longer. Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history.
So, in the case of a global medical insurance application, you would have to declare your arthritis on the application and you may or may not be covered for that illness by the policy they offer you.

Can you get travel insurance if you have a pre-existing condition?

Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury. Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.

Is osteoarthritis a pre-existing condition?

Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).

Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication.
So, even if you have osteoarthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.

Which travel insurance covers heart attack?

This is a tough question and unfortunately, the answer depends on where you are traveling to and from For people that are traveling to the US from abroad:

As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries. Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance.

This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here. Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation.

However,the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip). Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage.
And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.

Do travel insurances cover pre-existing conditions?

Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.

Which policy covers pre-existing diseases?

The following travel insurance plans cover acute onset of pre-existing conditions:

  • 1. Atlas travel plan from World trips
  • 2. Patriot America Plus from IMG
  • 3. Travel Medical Plus from Seven Corners
  • 4. Travel Medical Basic plan from Seven Corners
  • 5. Safe Travels USA from Trawick International
  • 6. Safe Travels USA Comprehensive from Trawick International
  • 7. Safe Travels Elite plan from Trawick International
  • 8. INF Premier plan from INF
  • 9. INF Elite from INF
  • 10. VisitorSecure Insurance from World trips

What counts as a pre-existing condition for travel insurance?

A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.

Which medical condition affect travel insurance?

Mental and Nervous disorders, maternity and new born care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.

Is arthritis covered by insurance?

No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.

Some countries may not require prescriptions to purchase medications.

However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.

Travel insurance that covers pre existing conditions- blogs and articles

Pre-existing condition visitors insurance
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Travelers who already have existing medical ailments need to be aware of the limitations of medical insurance coverage & seek to buy plans that offer coverage for pre-existing conditions. Click here to read more »

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Senior citizen travel insurance links


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US travel insurance for Pre-existing conditions