IMG visitors insurance for pre-existing conditions

Compare and buy IMG visitors insurance for pre-existing conditions travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date
General definition of pre-existing condition

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of pre-existing condition

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Look back period The look back period for a policy determines whether you have a Pre-Existing Condition. It is the period of time that the insurance provider looks back to see if there has been any changes in a medical condition.

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.

IMG plans offering best Pre-existing insurance plans

  • Visitors Care insurance Eligibility
    • International visitors traveling from their home country to the U.S., Canada, and Mexico.
    • Travel medical insurance for individuals, families.
  • Pre-Existing Conditions
      This plan covers pre existing conditions
    • Maximum limit through age 69: $25,000
    • Maximum limit ages 70 and older: $20,000
    • Deductible: $1,500 per injury or illnes
  • Co-insurance
    • In-Network( United States, Canada, Mexico): Plan pays 75%
    • Out of Network: Plan pays 60%
  • Visitors Protect Insurance International Emergency Care
    • Emergency Evacuation
      $25,000
    • Return of Mortal Remains or Cremation/Burial
      $25,000 and Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.
  • Visitors Care insurance Eligibility
    • Non US citizens travelling outside their home country.
    • For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • Acute Onset of Pre-Existing Conditions
    • Lite: $25,000 max per coverage period (subject to sub-limits)
    • Plus: $50,000 max per coverage period (subject to sub-limits)
    • Platinum: $100,000 max per coverage period (subject to sub-limits)

    Pre-Existing condition medical evacuation
    • Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25,000 max per period of coverage
  • Renewability
    • Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.
  • Visitors Care Insurance International Emergency Care
    • Emergency Evacuation
      Visitors Care Lite, Plus & Platinum - $25,000
    • Return of Mortal Remains or Cremation/Burial
      Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.
  • Visitors Care Insurance Special Coverage
    • Incidental Home Country Coverage
      During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
    • Common Carrier Acciental Death Coverage
      $25,000.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $25,000 - $100,000 Price range: $ 23.10 - $50.10 Buy now

Patriot America Plus

Details Brochures Buy Online  
  • Patriot America Plus insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
  • Patriot America Plus Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
  • Coinsurance of IMG Patriot America Plus Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50,000 - $1,000,000 Price range: $90 - $170 Buy now

Patriot International Lite

Details Brochures Buy Online  
  • Eligibility to buy Patriot International Lite insurance
    • People outside their home country whose destination excludes the United States or its territories.
    • This plan can be renewed up to 24 months.
  • Patriot International Lite insurance coverage for Acute onset of a pre-existing condition
    • Covers up to maximum limit, under the age of 70 years.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Up to $25,000 maximum limit for up to age 70.
  • Renewability - Patriot International Lite insurance renewability
    • Patriot International Lite insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Patriot International Lite Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50,000 - $1,000,000 Price range: $63.75 - $85.88 Buy now
  • Eligibility to buy insurance
    • Patriot International Platinum Insurance Eligibility
      • offers coverage for Non US citizens travelling outside their home country.
      • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
      • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Patriot Platinum America Insurance Eligibility
      • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
      • US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance
  • Acute Onset of Pre-Existing Conditions
    • Up to the maximum limit.(Insured person must be under 70 years of age)
      • United States citizens
        • Age 64 and under without a primary health plan: Maximum limit: $20,000
        • Age 64 and under with a primary health plan: Maximum limit: $1,000,000
        • Age 65 through age 69: Maximum limit: $2,500
      • Non-United States citizens
        • Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)
    Pre-Existing condition medical evacuation
    • $25,000 maximum limit for emergency medical evacuation
  • Renewability - Patriot Platinum insurance renewability
    • Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Coinsurance of IMG Patriot Platinum Insurance
    • For treatment received outside the U.S. & Canada: No coinsurance.
    • For treatment received within the U.S. & Canada:
    • In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot Platinum Travel insurance optional riders

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

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $2,000,000 - $8,000,000 Price range: $199.12- $334.50 Buy now

IMG Pre-existing Insurance - Frequently Asked Questions

01. Which are ideal plans offering pre-existing conditions cover for senior citizens?
Sudden and Unexpected Recurrence of a Pre-existing Condition coverage offered by these plans
Patriot Platinum: $2,500 lifetime maximum.

Visitors CareThis plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years.
02. What is acute onset of pre-existing condition?

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

03. Does Patriot America Plus Insurance cover pre-existing conditions?

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

04. 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.

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.

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

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

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude 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 have plans which provide 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 best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define 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 or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors 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.
  6. The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a 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 like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however 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.
  2. 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 is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. 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.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan 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. Temporary medical insurance with coverage for pre-existing 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?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect 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 a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

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

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

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

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

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IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine

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