5 Best Travel Insurance Plans Covering Pre Existing Conditions

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Written By Mani Karthik

I share everything I learned in life on this blog. Everything from personal finance tips to life hacks that'll make you a smarter person. Founded BackToIndia - on a mission to help NRIs move back to India.

Let’s talk something interesting today – Travel insurance for pre-existing conditions!

You’re looking for a visitor’s insurance and just realized that not all travel/visitor’s insurance will cover pre-existing conditions. What do you do? Well, luckily there are a few visitor’s insurance plans that do cover pre existing conditions. In this article, I’ll talk about some of the best visitor’s insurance plans for those with pre existing conditions.

Related: Best travel insurance for elderly parents (80+)

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But first, let’s get some details right.

What is a pre-existing condition as defined by insurance companies?

Many think that any condition that existed before you took the policy is categorized as a pre-existing condition. Not entirely.

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A loose definition of “pre-existing condition” as defined by insurance companies is…

“Any medical condition a person might have been diagnosed with, or had any treatment for, or is taking any medication prior to the start date of the insurance.”

Now, that’s a very generic definition. It doesn’t clearly define what pre-existing conditions are covered or how long should one have been diagnosed in order to qualify as a pre-existing condition.


Acute on-set of pre-existing conditions – What does it mean?

This is yet another insurance jargon you have to learn as you’ll see it repeating often in insurance plan details. What it means though, is an immediate return of a pre-existing disease. For example, an immediate return of Asthma after you enter USA. If a plan covers acute on-set of pre-existing conditions, then it should be able to cover the treatment.

Which visitor’s insurance plan covers pre-existing conditions?

Good question. In my experience, most of the travel insurance plans don’t cover any of the pre-existing ailments. For example, if you were previously diagnosed with a heart disease, then you won’t be covered for heart related illness in most of the visitor’s insurance plans. However, there are a few insurance plans that do cover the basics with riders. Let’s check.

1. Choice America

Choice America is a limited coverage plan that offers basic coverage for some eligible pre existing conditions. It’s not the most amazing visitor’s insurance plan out there but offers a lot of flexibilities and is one of the best in it’s category. It offers a lot of essential benefits for those with ore-existing conditions. You have to ensure that your pre-existing condition is listed in their eligible list of conditions, that’s all.

ChoiceAmerica Features

  • Basic coverage, low cost, less benefits (Review limits)
  • Limited Pre-Ex conditions Coverage | Limited Dental and Vision coverage
  • Key Features and Benefits
  • Amusement Park Coverage | Cruise Coverage | Loss of passport | Border Entry Protection coverage
  • No PPO network, visit any doctor
  • Renewable and Cancelable
  • Not available for the residents of Maryland (MD)
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2. Atlas America

This is a percentage based comprehensive plan. It has a pretty good coverage of unexpected sicknesses and injuries within USA and Canada. With this plan, you can go to any hospital or doctor of your choice however for better provider rates, it is recommended to go to a Doctor within the PPO network.

3. Liaison International

This is a comprehensive coverage plan and under this insurance plan, any non-US citizen above the age of 70 years are covered for an Acute on-set of Pre-existing medical condition and coverage is available for up to $15,000 for eligible cases.

4. Visitor Secure

Visitor Secure is a basic, cost-effective travelers medical insurance plan that provides pre-defined coverage benefits for each medical service. You may visit any doctor or hospital of your choice under this plan.

How to get insured for pre-existing medical conditions

Like I mentioned earlier, any medical condition that existed before taking a policy is considered (mostly) as a pre-existing medical condition. Most eligible pre-existing conditions can be linked with visitor’s policies in the following ways.

  1. By providing a health history form – When you take a new insurance policy, provide a health history form (usually provided by the company) that lists down every ailment you had previously.
  2. Taking a Doctor’s opinion – During consultation, let the Doctor know of your health record and history so that he can report it to the insurance company.
  3. Lab results – After your treatment the Doctor will send the lab results along with “Doctor’s notes” to the insurance company. At this time, the Doctor will share your pre-existing condition details to the company, if you had communicated it properly.

Summary – Getting visitor’s insurance for a pre-existing condition isn’t difficult. Yes, it’s a fact that many insurers do not cover pre-existing conditions but luckily there are insurance companies that provide insurance for most established pre-existing conditions. Whats important is to choose a travel insurance plan that offers cover for pre-existing conditions and ensuring that your conditions are included in the eligible list.

If you are looking for visitor’s insurance for parents traveling to USA, here are your best options.

Disclaimer: Above mentioned information is for research purposes only and should be verified for accuracy with the respective providers mentioned.

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Got questions? Please ask in comments.

9 Comments on “5 Best Travel Insurance Plans Covering Pre Existing Conditions”

  1. To all who ask questions about which one to buy. Honestly, do a deep detailed search, take point on a single paper and decide. No one here is going to tell you which is the right one.

    My case
    – 62, 57 yrs farther mother
    – Visiting USA 163 days 5 months plus
    – what to do??? For their travel and safety of your bank balance n peace of your mind.

    1. When you buy their air tickets or hotel etc. Always make sure you buy TRIP protection insurance, during flight buying time usually before you say complete booking or book the flight or just after you just bought the flight (ex: round trip) you will see an option by some flight companies that if you want to ADD Trip insurance/ protection/ trip insurance.

    Don’t skip it. It’s best to buy it at the the time of buying air tickets. Why, later on money will help you buy it or you may pay more for nothing.

    2. If your parents don’t have pre conditions or possibility of acute on set of pre conditions, then if you want economical MEDICAL coverage (ITS different than or more rich in coverage than a usual trip coverage or trip insurance), then get any comprehensive medical coverage after reviewing their brochure ++ disclosures.. trust me insurance companies try to avoid paying but want more from you while buying such insurance. Look exclusions carefully.

    Careful about ALL broker websites who sell medical travel trip insurance (covered or provided by other companies) as they sometimes have WRONG / incorrect info (may be intentionally) to fool consumers who is trying to buy medical or travel or trip insurance.

    If your parents didn’t had any major work done within 3 yrs, patriot platinum is not bad. If you think they have pre existing conditions for which they recently had work done then Choice America GOLD is good.

    Note: patriot platinum doesn’t offer less of passport, border protection (return your parents back home with some coverage), missed connections etc which cover America gold provides.

    Cover America gold has max 125k a cute onset of pre-conditions coverage. Patriot Platinum doesn’t have a cap, its upto policy max 2M provided the condition doesn’t happen in last 3 yrs n that means it’s stabilized.

    3. Buy at least some medical coverage.

    Note: Paying 200-500 more upfront for policy (for reduced deductible) is not a bad idea. In other words if you pay $1500 for 5 months of stay for medical coverage with deductible of $250, it’s far better than picking a $1200 or $1000 same policy of the deductible increases from 250 to 1000 or 2500.

    4. Try to buy directly from the airline. Sometimes this helps to work out with getting insurance added removed renewed etc also charges to travel. If you used some cheap or X popular website to buy an airline ticket its hard to deal with airline charges later.

    Don’t think a lot. Drink water and just buy a plan which you think is good for NON-US citizens (if your parents are Indian citizens) to ensure you are actually getting what you want. Don’t pay 1500 dollars for getting a dumb policy which says only four us citizens only deep down somewhere (as brokers website can be showing incorrect info)… while the insured will be Indian citizen.

    5. Better to get the policy from a US based company.

  2. I don’t have any issues with insurance from India, as long as they are accepted by hospitals in USA. I am not so confident about recommending them for this reason.

  3. Hi Mani,

    Hope you are doing well !

    I have a query regarding travel insurance or health insurance availability in Canada having the pre -existing ailment cover for the parents, please let me know at the earliest.

    Best Regards
    Amlesh Thakur

  4. This is great work Mani! My parents are visiting USA for around 160 days and 1 of them is diabetic. I was wondering if you know of any issues if i buy insurance from India (for e.g. Tata AIG). Do you recommend that as compared to buying comprehensive plan from USA?

  5. Thanks MK, I came across your web log and want to thank you for the very useful information you are sharing. Truly awesome !

  6. Hi Mani,

    I have never seen such a wonderful & useful blog ever before. I came across this website while searching for insurance for my parents. Very beautifully written, researched and really noble.


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