Visitor Health Insurance
Pre-Existing Conditions and Visitor Insurance: What You Need to Know
Pre-existing conditions are typically excluded from visitor insurance — but acute onset coverage can save you. Here is what to look for.
Pre-existing medical conditions are the most common source of confusion in visitor insurance.
What Counts as a Pre-Existing Condition?
Most plans define a pre-existing condition as any illness, injury, or symptom — diagnosed or not — that occurred in the 60 to 365 days before the policy effective date.
Acute Onset of Pre-Existing Conditions Coverage
Some plans offer acute onset coverage, which protects against a sudden, unexpected flare-up of a pre-existing condition that requires immediate care.
Plans That Specialize in Older Visitors
- Atlas America Premium — strong acute onset benefits up to $1M
- Patriot America Plus — covers acute onset to age 79
- Safe Travels USA Comprehensive — acute onset coverage to age 89
Bottom Line
Visitors with health concerns should never settle for the cheapest plan. Ombrela can filter your search to plans with strong pre-existing condition handling.
Tagged
More in Visitor Health Insurance
Visitor Health Insurance
What Is Visitor Health Insurance and Why Every Traveler Needs It
Visitor Health Insurance
Visitor Insurance for Non-Citizens Traveling to the United States: The Complete Guide
Visitor Health Insurance