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Pre-Existing Conditions: How They Can Affect Your Visitor’s Insurance

Pre-Existing Conditions: How They Can Affect Your Visitor’s Insurance


Anyone who has ever bought travel insurance for the USA will have heard the phrase ‘pre-existing conditions’. If you have a pre-existing condition and buy insurance without checking that it will cover all your medical issues, you may wind up paying large sums out of pocket.

In the United States, pre-existing conditions have been a major point of contention and debate when it comes to visitor health insurance coverage. There’s a lot to learn about these policies, to ensure that you’re picking the best possible plan that protects you while you’re traveling away from your home country. To get a full understanding, let’s start at the beginning. A pre-existing condition is any type of health problem that a person had before they purchased insurance. Some of the most common are diabetes, asthma, cancer, or heart disease.

Many people with pre-existing conditions are aware of their illness or ailment, but it’s not uncommon for people to be unaware that they are affected by these conditions until an incident occurs.

How Pre-Existing Conditions Affect Your Visitor Insurance

Generally, it’s up to the attending doctor to determine whether a patient’s condition was caused or influenced by a pre-existing condition. In cases of accidents or injuries, this rarely applies, but a doctor may determine that an event like a heart attack or diabetic stroke was impacted by a pre-existing condition. Then, it would be up to the insurance underwriters to determine whether the specific visitor’s insurance coverage that was purchased covers that specific medical treatment.

To make it even more complex, there are several types of coverage for pre-existing conditions offered as part of visitor insurance plans. One of the most important is coverage for acute onset of pre-existing conditions. This coverage kicks in if you have a sudden and unexpected outbreak or occurrence of a pre-existing condition. Some travel insurance plans include this, while others simply offer basic non pre-existing condition coverage that will not cover an acute onset of symptoms.

The Best Visitor Insurance Plans with Pre-Existing Condition Coverage

For total peace of mind, make sure that you opt for visitor insurance plans that cover acute onset of pre-existing conditions. This is the best way to ensure that you’re protected from any health-related emergency.

At Visitor Guard®, our search engine makes it easy to tell what plans cover acute onset of pre-existing conditions, and which are better suited for individuals without these health issues.

Here are some of our favorite travel insurance plans for the USA.

  • The Safe Travel Comprehensive plan from Trawick International covers up to $35,000 worth of medical treatment for non-cardiac pre-existing conditions, plus $50,000 for coverage of acute-onset episodes of any non-cardiac pre-existing condition. It also covers up to $2 million in evacuation benefits, if you need to be medically transferred to the nearest qualified medical facility.
  • Patriot America Plus, underwritten by IM Global, offers up to the chosen policy maximum for acute onset of pre-existing conditions, as long as the treatment is obtained within 24 hours and the condition is not chronic. This coverage is available to any individual under 70 years of age.

Why Shop for Visitor Insurance at Visitor Guard® ?

At Visitor Guard ®, we make finding the perfect plan for any visitor to the United States easy. Using our simple search engine, all you’ll need to do is input the dates of the trip, your age, and a few other relevant details. The plans we find for you will match your specifications, and are easily adjustable if you need more coverage in a certain area.

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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