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Can I get health insurance if I have a pre-existing conditions?

Can I get health insurance if I have a pre-existing condition

Can I get health insurance if I have a pre-existing condition?

Yes, you can get health insurance even if you have a pre-existing condition. However not all plans provide coverage for pre-existing conditions. Many plans offer coverage for  a pre-existing condition only if you have an acute onset. Each plan has its own definition of pre-existing condition and how it would cover an acute onset depending on if the condition is chronic or non-chronic. If you have a medical issue , and if the doctor clears you for travel, it is not going to stop you from visiting unfamiliar places and exploring new cultures in the world. Visitor Guard® visitor insurance plans with acute onset of pre-existing coverage can make you travel safely in various parts of the world. Differentiating between the pre-existing and acute onset of pre-existing can be difficult for you, which is why you have us! Read on to know our outstanding plans.

What are the popular plans for pre-existing condition?

  • Safe Travels USA Comprehensive–  The plan provides coverage for 1 acute episode per pre-existing condition up to policy medical max for non-cardiac and has a limit of $25,000 for cardiac conditions for ages 69 years and under. Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.
  • Patriot Travel – While Patriot America has no coverage for acute onset inside the US, the  Patriot America Plus includes coverage for an acute onset of pre-existing condition under 70 years of age up to the maximum limit inside the US.  The Patriot America Platinum covers acute onset of pre-existing conditions under 70 years of age with varying limits up to $100,000 inside the US. . The Patriot International and Patriot Platinum International provide different coverage levels for US citizens with and without primary health coverage travelling outside the US for non-chronic acute onset of a pre-existing condition.
  • Atlas Travel– Atlas Travel provides coverage to travelers, visiting the US as well as travelling outside the US, benefits up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition, excluding chronic and congenital conditions. This also includes emergency dental (acute onset of pain) up to $300 with no deductible.

Apart from these comprehensive medical insurance plans for pre-existing conditions listed above, there are limited plans- Visitor Care Insurance, and Safe Travel Elite. To know which plan suits you the most, contact us.

Does ACA (Affordable Care Act) cover pre-existing conditions?

Yes, under the Affordable Care Act, health insurance companies cannot refuse to cover a pre-existing condition or ask an individual to pay more premium for covering pre-existing conditions because you had a health problem before the effective date of the coverage.  However, ACA plans are available only for citizens and residents of the US and not for visitors.

Is there any waiting period for pre-existing conditions?

A pre-existing condition exclusion waiting period is the length of time after the start date of an insurance policy that a person must wait before any pre-existing conditions are covered. The time length before the start of the coverage can vary. It can be anywhere from 30 days to 6 months or longer. The waiting period is often longer for individually purchased policies. These waiting periods are typically available only on the international student plans and not the visitor insurance plans.

Chiranth Nataraj

Chiranth Nataraj

Travel Insurance Expert

Chiranth Nataraj is a licensed insurance agent and the principal at, an independent insurance agency that provides visitor insurance to customers across the United States and the world. With over 20 years of experience, Chiranth has been instrumental in educating the travel community, new immigrants, the international student community, and foreign governments about visitor medical insurance to cover medical expense risks. He has built a team that strives to make the preferred choice for travelers, exchange visitor organizations, and international universities. His insights and expertise have made him a popular industry voice, and he is often featured in USA Today, Forbes, Washington Post, and many more.


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