Best US Travel Insurance for Pre-existing Medical Conditions 2024 

Traveling can be a rewarding experience, but it also comes with unique challenges if you have pre-existing medical conditions. To ensure a safe and worry-free journey in the US, travelers with pre-existing conditions must select the right travel insurance. In 2024, several insurance providers offer comprehensive coverage tailored to the needs of individuals with medical histories. To know more, keep reading. 

Understanding pre-existing conditions 

Pre-existing medical conditions are health issues or illnesses that you have been diagnosed with or have received treatment for, or are taking medications for before applying for a travel insurance policy. These can range from chronic diseases like diabetes or hypertension to past surgeries, injuries, or mental health conditions. 

Typically, travel insurance policies exclude coverage for pre-existing conditions, but some may cover the acute onset of pre-existing conditions. This means that if your health condition flares up during your trip, resulting in medical emergency expenses, those expenses may be covered. However, it is recommended to review your policy thoroughly to understand the terms related to pre-existing conditions and the definition of acute onset of pre-existing conditions, including waiting periods and coverage limits. 

Why must you buy a plan with an acute onset of pre-existing conditions coverage? 

Acute onset of pre-existing condition coverage is a vital component of travel insurance for several compelling reasons. This coverage ensures that travelers with pre-existing medical conditions are adequately protected in case of unexpected medical complications while abroad. Here are a few reasons why you need one! 

• Emergency medical protection: Acute onset coverage safeguards travelers against sudden and unexpected exacerbations of pre-existing medical conditions. It provides access to necessary medical treatment and emergency services, ensuring that travelers receive timely care. 
• Risk mitigation: Even if you manage your pre-existing condition well, there is always a risk of unforeseen medical emergencies. Acute onset coverage acts as a strong backup, offering financial protection for medical expenses related to these emergencies. 
• Enjoy worry-free travel: Traveling can be stressful, especially for individuals with pre-existing conditions. Knowing that you have acute onset coverage provides peace of mind, allowing you to focus on enjoying your trip without worrying about the financial implications of a medical emergency. 
• Avoid financial strain: Medical emergencies abroad can result in significant out-of-pocket expenses. Acute onset coverage helps travelers avoid the financial strain of unexpected medical bills, preserving their savings and financial stability. 

What are the top plans with pre-existing coverage? 

The top comprehensive plans: 

• Safe Travels USA Comprehensive– The policy covers 1 acute onset of a pre-existing condition. For individuals up to the age of 69, the coverage limit extends up to the Medical Policy Maximum chosen for each Policy Period. However, for conditions related to Cardiac Conditions or Stroke, the coverage is capped at $25,000. Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available. For a 45 year old,  it costs $81.90 for a 30-day coverage with a $100,000 policy maximum and a $500 deductible. 
• Patriot America Plus– It covers up to $50,000 when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions under 70 years. It offers up to $25,000 maximum limit for medical evacuation. For a 45 year old, it costs $84.24 for a 30-day coverage with a $100,000 policy maximum and a $500 deductible. 
• Visit USA– The plan offers coverage up to $20,000 when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions for under 65 years and $2500 above 65 years. For a 45-year-old, it costs $84.50 for a 30-day coverage with a $200,000 policy maximum and a $500 deductible. 
• Atlas America– The policy covers up to $50,000 when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions for under 80 years. For a 40-year-old, it costs $84.50 for a 30-day coverage with a $200,000 policy maximum and a $500 deductible. 

The top fixed benefit plans are: 

• Visitors Care– It offers up to the chosen policy maximum per coverage period for an acute onset of non-chronic pre-existing conditions (subject to sub-limits). For a 55-year-old individual, it costs $56.10 for a 30-day coverage with a $100,000 policy maximum and a $100 deductible. 
• Safe Travels Elite– The policy offers coverage up to the chosen policy maximum (sub-limits apply) for ages up to 70 years and $25,000 (sub-limits apply) for above 70 years when treatment is obtained within 24 hours for the acute onset of pre-existing conditions. For a 55-year-old individual, it costs $70.20 for a 30-day coverage with a $100,000 policy maximum and a $0 deductible. 
• Visitors Secure– It covers up to the chosen policy maximum  (sub-limits apply) per plan life for members under age 70 years when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions. For a 55-year-old individual, it costs $63.30 for a 30-day coverage with a $100,000 policy maximum and a $100 deductible. 

What are the key benefits of buying a plan with an acute onset of pre-existing condition coverage? 

Opting for an insurance plan with acute onset of pre-existing condition coverage offers several key benefits: 

1. In the event of an acute onset of a pre-existing condition, you will have financial protection. This means that if your pre-existing condition unexpectedly worsens and requires immediate medical attention, your visitor insurance plan can cover eligible medical expenses, up to the policy limits. 
2. Acute onset of pre-existing condition coverage often includes emergency medical care. If you experience a sudden and acute exacerbation of your pre-existing condition while abroad, you can access medical treatment promptly without worrying about the cost. 
3. Even if you diligently manage your pre-existing condition, unexpected medical events can occur. Having some coverage ensures you are prepared for any health-related surprises during your travels. 
4. Some insurance plans with acute onset of pre-existing condition coverage may offer a wide range of benefits, including coverage for physician visits, hospitalization, prescription medications, and more. However, read the plan’s brochure to understand what it covers. 

It is crucial to carefully review the terms, conditions, and coverage limits of any insurance plan with acute onset of pre-existing condition coverage to ensure it meets your specific needs and provides the level of protection you require for your unique health situation. 

What is the cost of insurance plans with acute onset of pre-existing coverage? 

Adding acute onset of pre-existing coverage with the plan does not change the premium. The coverage either comes with the plan or does not. However, the plan’s cost can vary significantly based on several factors: 

1. Age: Younger individuals typically pay lower premiums than older individuals. Insurance providers consider age as a risk factor for health conditions. 
2. Coverage Amount: The extent of coverage you select affects the premium. Plans with higher coverage limits have higher premiums. 
3. Policy Duration: The length of your trip or the policy’s duration influences the cost. Longer trips or extended policies will have higher premiums. 
4. Deductible: Plans with higher deductibles often have lower premiums. However, you will need to pay more out of pocket before the insurance coverage kicks in. 
5. Additional Benefits: If you opt for extra features like adventure sports, AD&D (Accidental Death & Dismemberment) upgrade, evacuation rider, chaperone, and faculty leader, etc., the cost will be higher. 

FAQs 

1. Is acute onset pre-existing condition coverage necessary for every traveler? 

While it is not mandatory, acute onset of pre-existing condition coverage is essential for travelers with known health conditions. It ensures that unexpected flare-ups in medical situations related to pre-existing conditions can be covered during your trip. 

2. Are all acute onsets of pre-existing conditions covered equally? 

No, coverage for acute onset of pre-existing conditions can vary among insurance plans. Some may offer one episode of acute onset coverage, while others may cover only non-chronic conditions. Hence, it is crucial to review the policy details. 

3. How does acute onset of pre-existing condition coverage impact premiums? 

Acute onset of pre-existing condition coverage does not affect the premiums of any plan. The plans that do offer coverage for the acute onset of pre-existing conditions include the benefit at no extra cost.  

4. What should I look for when comparing plans with acute onset of pre-existing condition coverage? 

When comparing plans, consider factors like coverage limits, waiting periods, deductibles, and any specific conditions excluded. Choose a plan that best suits your medical needs and travel itinerary. 

5. Can acute onset of pre-existing condition coverage be added to an existing policy? 

Typically, one must buy a plan that includes acute onset of pre-existing condition coverage. It cannot be added to an existing policy as most plans do not offer it as an add-on benefit for an extra cost but include it as a standard benefit. 

6. Can I purchase acute onset of pre-existing condition coverage after arriving in the destination country? 

Typically, coverage along with pre-existing acute onset of pre-existing condition coverage can be purchased anytime. The acute onset of pre-existing conditions coverage is not an add-on; it comes with the plan only if you buy a plan that offers the acute onset of the pre-existing condition. It is recommended to buy a policy before going to the destination country. 

7. Do I need to disclose my pre-existing conditions when applying for coverage? 

No, most visitor application forms do not go through medical underwriting, nor is it essential to provide accurate and complete information about your pre-existing conditions during the application process.  If there is a medical claim, the treating providers’ reports submitted for evaluation determine if the condition was a pre-existing condition.  

8. Can I purchase a policy with acute onset of pre-existing coverage for my parents or elderly family members? 

Yes, you can purchase a policy with acute onset of pre-existing condition coverage for family members, including parents and elderly individuals.  Coverage options and premium costs will be based on their age and health conditions. 

9. Can I use my regular health insurance for the acute onset of pre-existing conditions while traveling? 

Regular health insurance plans may not provide coverage for medical expenses incurred abroad or during travel. Therefore, it is important to have a travel insurance plan with pre-existing conditions or plans that cover the acute onset of pre-existing conditions to ensure you are protected during your trip. 

10. Is the acute onset of pre-existing condition coverage available for group travel insurance plans? 

Acute onset of pre-existing condition coverage may be available for group travel insurance plans, but the terms and conditions can differ from individual policies. It is advisable to check with the insurer about group coverage options. 

Conclusion 

Travel insurance plans with acute onset of pre-existing coverage offer peace of mind and protection for individuals with underlying health conditions. These plans provide financial security, ensuring that you receive the necessary medical care without the burden of hefty medical bills. However, it is crucial to carefully review policy details, including coverage limits and exclusions, to make an informed choice. 

Contact Visitor Guard® to know more about these policies.