2023's Top 5 Pre-Existing Condition Travel Medical Insurance Plans for US Visitors
Pre-existing conditions refer to any medical condition or illness that an individual has been diagnosed with or has been treated for prior to the start date of their travel insurance policy. Some examples of these illnesses may include chronic illnesses such as diabetes, heart disease, or cancer, as well as ongoing medical issues like asthma or allergies.
As insurance companies typically consider travelers with pre-existing conditions to be higher risk, many plans won't cover them. Fortunately, there are a number of top-rated travel medical insurance plans that do. Here is a rundown of 2023’s top travel medical insurance plans that cover pre-existing conditions.
1. INF Elite
INF Elite is part of the United Healthcare PPO network and may cover 80% of the policy maximum limit of the policy, if the policyholder stays in that network. It’s available to international visitors traveling to the United States, Canada, or Mexico. This plan offers coverage for individuals up to the age of 99 years old and allows customers to choose their pre-ex coverage and pre-ex deductible amounts. However, INF Elite is not cancelable after the policy effective date and even if it is canceled before the start date, there’s a cancellation fee of $25. Customers should carefully consider their coverage needs before committing to this plan. Additionally, this plan requires a minimum of 90 days of coverage, making it an excellent option for those requiring long-term coverage.
USVisit-Pro is part of the United HealthCare PPO network and may cover 80% of selected policy maximum limit , if the policyholder stays within the network. The plan does offer coverage for some pre-existing conditions. It is recommended that travelers review the plan documentation carefully to ensure that their specific condition is covered before making a purchase. This comprehensive insurance plan is designed to cater to the needs of international visitors traveling to the United States. This plan provides a minimum coverage duration of 60 days, making it an ideal option for those who require short-term coverage. One of the unique benefits of this plan is the "Return airline ticket" benefit, which provides border entry protection. Additionally, USVisit-Pro is cancelable, which means that customers can choose to cancel their plan at any time.
3. INF Premier
INF Premier is a limited travel medical insurance plan that includes coverage for pre-existing conditions, making it an excellent option for travelers with these health concerns. This plan is not cancelable, but it is the most cost-effective option available for those who require long-term coverage. INF Premier requires a minimum of 90 days of coverage, ensuring that customers are adequately protected against unforeseen medical expenses.
ChoiceAmerica is a limited travel medical insurance plan that comes with a pre-existing condition rider. While this plan offers more cost-effective coverage, it has limited pre-defined amounts for pre-existing conditions. Customers must have at least 30 days of coverage to be eligible for the pre-ex rider and must purchase the plan before entering the United States.
Visitors Protect is part of the United Healthcare PPO network and plans may cover 75% within the network.This plan offers coverage for international visitors to the United States up to the age of 99 years old and requires a minimum of 90 days of coverage. The plan covers a limited number of pre-existing conditions so travelers should check documentation to ensure that their specific pre-existing condition is covered before they purchase a policy. This plan is cancellable before the policy effective date but policyholders must pay a $50 fee. With this plan, customers can enjoy comprehensive medical coverage during their stay in the United States, ensuring that they are protected against unforeseen medical expenses.
These plans are proven to be a great fit for the unique needs of international travelers to the United States. Travelers with pre-existing conditions no longer have to stay home. They’ve got the coverage options they need to visit America with confidence and peace of mind.