infINF Older Travelers Insurance Plans

Best visitors insurance for seniors with pre-existing conditions coverage

Age & Citizenship
Child
Residence
Destination
Start date
End date

What does visitor travel insurance cover?


Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

inf INF travel insurance for parents and older travelers

INF Premier

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  • INF insurance Eligibility
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Premier Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Premier Plan insurance Key Highlights
    • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays
    • Minimum purchase of 90 days is required with this plan
    • Plan covers pregnancy and childbirth if the plan is purchased before conception, before the trip begins
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Acute Onset treated like New Sickness
    • Urgent Care & Doctor Visit arranged by MeMD
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes Dental & Vision Discount Coverage
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Covers age up to 99 Years.Pre-Existing Complications from COVID-19 Covered
    • In-Patient, Out-Patient, Specialist Care Covered for Pre-Existing.
  • Pre-existing condition coverage by INF Premier
    • 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.
  • Premium Plan Cancelation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Elite

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  • INF Elite Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite Plan insurance Key Highlights
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Pre-Existing Complications from COVID-19 Covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Covers All new medical conditions
    • Stable Pre-Existing Conditions are Covered as New Sickness
    • United Healthcare PPO providers Direct Billing
    • Covers 80% of Eligible Medical Expenses
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes Dental & Vision Discount Coverage
    • Acute Onset is Considered New Sickness
    • Urgent Care & Doctor Visit arranged by MeMD
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite
    • Elite Network 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.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite coinsurance?
    • In-Network: The plan covers 80% of the Preferred Allowance
    • Out-of-Network: 60% of Usual, Reasonable & Customary (URC) Charges
  • INF Elite Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
      • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
      • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Elite 90

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  • INF Elite 90 Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Plus Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite 90 Insurance for Visitors - Key Highlights
    • Covers 90% of eligible medical expenses
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Pre-existing complications from covid-19 covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Covers all new medical conditions
    • Stable pre-existing conditions are covered as new sickness
    • United healthcare PPO providers direct billing
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes dental & vision discount coverage
    • Acute onset is considered new sickness
    • Urgent care & doctor visit arranged by MeMD
    • COVID-19 medically necessary testing & treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite 90
    • Elite Network 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.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
  • INF Elite Plus Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Plus Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite Plus Insurance, INF Elite Plus Insurance for Visitors - Key Highlights
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Coverage for TDAP, Flu, etc Vaccines
    • Pre-Existing complications from Covid-19 covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Stable pre-Existing conditions are covered as new sickness
    • United Healthcare PPO providers direct billing
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes dental discount plan
    • Acute onset is considered new sickness
    • Urgent care & doctor visit arranged by MeMD
    • 90% of eligible medical expenses
    • Covid-19 medically necessary testing & treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite Plus
    • Elite Network 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.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite Plus coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges

Traveler USA 90

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  • INF Traveler USA 90 insurance eligibility
    • This plan is available for Non-US Citizens
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Network Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Traveler USA 90 Insurance - Key Highlights
    • Covers 90% of elgibile medical expenses
    • This is a comprehensive plan too but does not cover pre existing condition
    • Minimum purchase of 30 days is required for this plan
    • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Non-Insurance Dental, Vision, Hearing & Prescription Discount Card Included for INF members
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Non-Insurance Telemedicine services provided by MeMD
    • Sickness & Accident Plan with 90% in network coinsurance.
    • Doesn’t cover pre-existing condition
  • INF Traveler USA 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
  • INF Traveler USA 90 Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
      • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
      • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Traveler USA

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  • INF Traveler USA insurance eligibility
    • This plan is available for Non-US Citizens
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Network Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Traveller USA Insurance - Key Highlights
    • This is a comprehensive plan too but does not cover pre existing condition
    • Minimum purchase of 30 days is required for this plan
    • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Non-Insurance Dental, Vision, Hearing & Prescription Discount Card Included for INF members
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Non-Insurance Telemedicine services provided by MeMD
    • Open for New Enrollments!
    • Sickness & Accident Plan with 80% in network coinsurance.
    • Doesn’t cover pre-existing condition
  • INF Traveler USA coinsurance
    • In-Network: The plan covers 80% of the Preferred Allowance
    • Out-of-Network: 60% of Usual, Reasonable & Customary (URC) Charges
  • INF Traveler USA Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
      • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
      • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Standard

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  • INF Standard Plan Insurance Eligibility
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Standard Plan Insurance Key Highlights
    • This is a fixed plan and is not available to US residents and is only available to non-US residents
    • This plan has a minimum purchase requirement of 30 days
    • Pregnancy and childbirth coverage is available if the conception occurs after the policy effective date
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Open for New Enrollments!
    • Covers All new medical conditions including Virus Related Sickness
    • Covers all ages 0-99
    • Fixed-Benefit Plan for Parents visiting the USA
    • Dental & Vision Discount Card Included.
    • Doesn’t cover pre-existing condition
  • INF Standard Plan Cancelation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Older Travelers Insurance - Frequently Asked Questions

What travel insurance is best for seniors?

Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.

Can I buy senior citizen travel insurance after starting the journey?

Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the ttravel insurance for seniors visiting usa before departing. The claim will be invalid if the traveler attempts to buy the travel insurance and file a claim for an ailment after it occurred during the travel.

What is the age criteria for travel insurance for senior citizens?

The age criteria to buy travel insurance depends on the company and the type of travel health insurance the elderly travelers are looking for. Many US travel health insurance plans for senior citizens do not have a cut off age, but some do or they reduce the coverage available for older travelers, ie the plan maximum for older travelers will be low as the age of traveler increases.

Senior citizens may also find travel insurance with plan maximum of $50,000 or less, however they may still find something appropriate for their situation.

At what age does travel insurance become expensive?

Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older.

Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.

01. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

02. Can I purchase INF travel insurance plans if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

03. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

04. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

05. What is the INF insurance cost for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

06. What are the different types of INF insurance for visitors to the USA?

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

07. What is the difference between the three INF Elite insurance plans?

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

08. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

09. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

10. For which countries can I buy INF travel insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

11. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

12. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

13. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

14. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

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 health 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 any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF travel insurance for pre-existing conditions options?

There are several US travel insurance plans available for international travel, however most of these travel 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. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

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.

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.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the important factors to consider while purchasing 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.

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 ($1000) 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

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