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Visitors insurance for parents visiting USA from India

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Customers Testimonials

US visitor visa extension for parents while in the United States

Parents in the United States might want to extend or renew their stay for several reasons. The coronavirus has stranded many parents in the US. International travel restrictions has forced many parents to cancel their return journey who are on temporary or short term US visas. They will now have to extend or renew their visa status in order to stay longer in the US.

Visitors medical insurance for parents in USA.

Parents in the U.S.A are stranded in the US going against their original travel plans. This is just one reason why having good travel health insurance for parents is very important outside the home country. Staying in America as an uninsured parent is highly risky. Our insurance covers act as boon in an event of sudden sickness due to COVID-19 or accidental injuries and require a hospitalization which can leave you with huge medical bills having an impact on your financial situation. Parents can compare travel health insurance plans for Coronavirus to avoid all such disastrous situations.

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Extend/renew US visa

Steps and procedure to extend US visa for further stay in USA.

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Travel health insurance for parents visiting USA

The highly educated and successful Indian American community in the United States typically consists of qualified professionals with strong ties with family in India. It is very common for parents of Indian Americans visiting the US to spend time with their children and grand-children. Given the harsh US winters, the summer months are most popular to have parents from India visit the US. Given the long distances and expenses involved in traveling from India, these parental visits are sadly few and far in between. However it is important that visits by parents to the US are planned to ensure that nothing untoward occurs.

parents travel insurance

Expectedly visiting parents are quite elderly, most often in ages above Sixty years. The visits to the US by parents from India often range from a few weeks and go up to Six months due to US tourist visa constraints. Given that parents are visiting the United States where weather patterns, clothing, food and even water is all quite different from India, these senior citizen parents are vulnerable to falling sick.

While having parents visit the US is most exciting, being forced to take parents to an American hospital especially without any visitor health insurance can be traumatic. Everyone in the United States knows about the costly healthcare system, where short visits to a physician is expensive leave alone an overnight stay in the hospital. It is therefore very important to buy good visitors insurance for parents traveling to the US.

On our website, we help customers understand the nuances of the different parents visitor insurance plans so that you can make a good decision while buying parents visitor health insurance. There are different factors for visitors insurance that Indian parents should be informed about. Indian parents in the US should know of the difference between fixed benefits visitor insurance and comprehensive visitor insurance plans. Visiting parents and their children should also understand the concepts of deductibles and co-insurance. Most important is that since parents are usually older travellers, they should know of visitor insurance coverage for Pre-existing conditions.

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Travel tips for older travelers visiting the US

Best International travel tips for older travelers – Safety, Comfort and Wellness.

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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 is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However many visitors insurance and 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. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for 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.

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

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

Pre-existing conditions coverage - FAQ's

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.

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.

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.

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.
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.
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.

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 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.
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 pages. INF plans are open to green card holders

Visitor insurance for parents traveling to the US, Travel insurance to USA

The impact of the US culture on India is quite significant and Indians view them in a positive way.US has always been one of the preferred choices for Indians to move for their education, jobs and vacation when compared to other western countries like Australia, Canada United Kingdom etc.... Many Indians have moved to the US and have become US citizens, green card holders while others are on the temporary H1B work visa.

When many of the Indians are settled in US naturally their parents and relatives of these migrants travel to the US regularly to meet their children and grandchildren. While international travel can be very exciting it can also be stressful. In spite of having good health conditions few travelling parents may be exposed to adverse health conditions while travelling outside their home country. While some of them may not have the physical ability to withstand the travel responses, like not able to adjust to the changed weather conditions, change in the type of food and may become ill during the travel or while in the US.

At all times health and safety are a priority when it comes to parents hence to avoid all such unexpected risks it’s advisable that parents should buy an international travel insurance cover while they book their travel tickets. To get a financial protection for any medical emergency or personal injury occurred while you are travelling outside the home country is best than facing huge medical bills and unwanted stress adding to the situation. The medical treatment in US is very expensive and unaffordable to pay at one go.

This is one of the platforms where you can find some of the best international health insurance for your parents suitable to your needs. Detailed information on visitors insurance coverage options that available for your parents are provided here in an easy to understand manner.

You can buy international travel insurance before your parents commence their journey as that will ensure your parents are covered for the entire travel from their flight, in transit till the destination country (US). It is important to buy comprehensive travel insurance cover that will ensure sufficient coverage is given to your parents in the event of a medical or travel emergency.

Travel medical insurance for parents from India - FAQ's

My parents are visiting US in the coming days, can I purchase an international travel insurance on their behalf?

Yes, you can purchase the international travel insurance on their behalf by completing the application form and make payments online and get an instant cover for your parents.

Purchasing a comprehensive cover is advisable as this will give adequate cover for your parents in the event of any medical emergency.

It’s best to have two different policy cover for them as it will help you save yourself from the confusions if any one of them have to change their travel plans for any reason. There will be no difference in the price factor of the policy as all insurance policies are regulated by law.

We have numerous travel insurance plans for all your needs. There are fixed plans which have no flexibility in their benefits and comprehensive plans which work out a little more expensive with flexible benefits as they are sufficient to cover major medical expenses. You can compare the difference between fixed and comprehensive plans.

Unfortunately, pre-existing conditions cannot be covered in an international travel insurance cover. However, there are few US insurance provider who offer limited coverage for acute onset of pre-existing medical condition.

Travel medical insurance segments

Overseas visitors insurance, Travel health insurance for overseas travel

  • Best health insurance for visitors to USA, Best travel insurance for USA
    Compare and buy the best visitor health insurance plans. The best visitors insurance for USA plans that we display are specially designed to match the needs of international travelers.
    Best health insurance for visitors to USA - Comprehensive plans
    • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
    • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
    • Available for US citizens visiting USA
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    • Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
    • Diplomat America Covid insurance offers coverage for coronavirus sickness
    • Available for US citizens visiting USA
    • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
    • Covers acute onset of pre-existing conditions up to policy maximum.
    • It offers coverage for visitors up to 89 years.
    • Travel Medical Plus Covid insurance offers coverage for coronavirus sickness
    • Covers treatment of acute onset of pre-existing conditions (up to 79 years)
    • INF Elite Covid19 insurance offers coverage for coronavirus.
    • Treats Coronavirus/covid19 as a new sickness & covered by the plan
    • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
    • Treats Coronavirus/covid19 as a new sickness & covered by the plan
    • Comprehensive plan with full pre existing condition coverage which is unique.
    • Covers 90% of eligible medical expenses.
    • There is a minimum purchase of 90 days required to buy this plan
    • Treats Coronavirus/covid19 as a new sickness & covered by the plan
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Coverage for TDAP, Flu, etc Vaccines
    • Covers 90% of eligible medical expenses.
    • There is a minimum purchase of 90 days required to buy this plan
    • INF Traveler USA 90 covers 90% of elgibile medical expenses
    • Treats Coronavirus/covid19 as a new sickness & covered by the plan
    • Minimum purchase of 30 days is required for this plan.
    • This is a comprehensive plan too but does not cover pre existing condition
    • INF Traveler USA Covid insurance offers coverage for coronavirus illness.
    • This plan is available for Non-US Citizens. Anyone visiting USA, Canada and Mexico can enroll in this plan.
    Best travel insurance for USA – Fixed benefit plans
    • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
    • Plan can be renewed up to 2 year.
    • Offers coverage for acute onset of pre-existing conditions up to 79 years.
    • Renewable up to 364 days
    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    • Safe Travels Elite Covid insurance covers coronavirus illness.
    • Covers acute onset of pre-existing conditions 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
    • INF Premier Covid insurance covers coronavirus illness.
    • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    • Renewable up to 364 days
    • INF Standard Covid insurance covers Coronavirus illness.
    • This is a fixed plan and is available for both US and Non US citizens visiting the US.
  • Senior Citizen travel insurance for above 60 years

    Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.

    worldtrips
    WorldTrips gives the best plans with extremely good coverage.
    • The best travel health insurance for 60 year old travelling to the US is Atlas America.
    • With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.
    seven corners
    Seven Corners gives the best plans with extremely good coverage
    • Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
    • Travel Medical Plus Travelers must be at least 14 days old and under 75 years to be covered by this plan.
    • You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
    IMG
    International Medical Group gives the best plans with extremely good coverage.
    • Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
    • Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
    inf
    INF Travel insurance gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. There are fixed benefit and comprehensive health insurance for non us citizens over 65 years options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.
    • This is a comprehensive plan and is the plan with excellent coverage.
    • This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
    • This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
    • This plan need to be purchased for a minimum of 3 months.
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • This is a comprehensive plan and is the plan with excellent coverage.
    • This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
    • Pre-Existing complications from Covid-19 covered.
    • This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
    • This plan need to be purchased for a minimum of 3 months.
    • This is a 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 condition
    • Pre-existing complications from covid-19 covered
    • This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
    • This plan need to be purchased for a minimum of 3 months.
    • Covid-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing.
    • Covers 90% of elgibile medical expenses
    • This plan covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Minimum purchase of 30 days is required for this plan
    • This is a comprehensive plan too but does not cover pre existing condition.
    • This is another comprehensive plan from INF.
    • This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.
  • Older traveler medical insurance for above 70 years

    Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.

    • Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
    • Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70.
    • For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
    • Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
    • There is also a higher policy maximum option available for people above 70 up to the age of 79.
    • Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
    • There is also a higher policy maximum option available for people above 70 up to the age of 79.
    • The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
    • In the $50,000 range there are many fixed benefit and comprehensive plan options available
    • Travel Medical Plus Travelers must be at least 14 days old and under 75 years to be covered by this plan.
    • You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
    • Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
    • INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • Covers 90% of eligible medical expenses.
    • Pre-existing complications from covid-19 covered.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Coverage for TDAP, Flu, etc Vaccines.
    • INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • Covers 90% of eligible medical expenses.
    • Pre-existing complications from covid-19 covered.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
    • This plan does not cover pre existing conditions including acute onset of pre existing conditions.
    • Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
    • INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
    • This plan does not cover pre existing conditions including acute onset of pre existing conditions.
  • Older traveler medical insurance for above 80 years

    Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.

    • Inbound USA Basic insurance and Inbound USA Choice insurance with a higher deductible and up to $100,000 maximum.
    • Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
    • Senior Travelers above 90 years are also eligible to buy the Inbound USA Basic and Inbound USA Choice insurance.
    • The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
    • Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
    • It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
    • This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
    • This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
    • This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
    • It is available for travelers of ages 70 to 89 years
    • INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • Covers 90% of eligible medical expenses.
    • Pre-existing complications from covid-19 covered.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
    • This plan does not cover pre existing conditions including acute onset of pre existing conditions.
    • Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Coverage for TDAP, Flu, etc Vaccines.
    • INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
    • Covers 90% of eligible medical expenses.
    • Pre-existing complications from covid-19 covered.
    • This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
    • INF Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
    • This plan does not cover pre existing conditions including acute onset of pre existing conditions.
    • 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.
    • 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.
  • Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

    A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers and very important is to select pre-existing condition for medical insurance. It is recommended to to find good visitor insurance with Pre-existing conditions coverage, which is particularly important for older travelers and parents.

    Best travel insurance with pre-existing condition coverage - Comprehensive plans
    • 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
    • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    • 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
    • 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
    • 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.
    • Travel Medical Plus Covid insurance offers coverage for coronavirus sickness
    • Covers expenses for treatment of acute onset of pre-existing conditions
    • Acute onset of pre-exisitng conditions are available for Worldwide including US - $50,000 up to 65 years; $5,000 for 65 to 79 years and Worldwide excluding US - $50,000 up to 65 years; $10,000 for 65 to 79 years.
    • 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
    • Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25,000 up to 65 years; $5,000 for 65 to 79 years.
    • This is a comprehensive plan with excellent coverage.
    • This plan offers full pre existing condition coverage.
    • 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.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • This plan need to be purchased for a minimum of 3 months.
    • This is a comprehensive plan with full pre existing condition coverage which is unique.
    • Pre-existing complications from covid-19 covered
    • Elite 90 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 $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.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
    • This plan need to be purchased for a minimum of 3 months.
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Pre-existing complications from covid-19 covered
    • Elite Plus 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 $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. Coverage for TDAP, Flu, etc Vaccines.
    • This plan need to be purchased for a minimum of 3 months.
    Best travel insurance for USA – Fixed benefit plans
    • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
    • Plan can be renewed up to 2 year.
    • 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.
    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
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