Though the majority of travel insurance plans do not provide coverage for pre-existing conditions, people with pre-existing conditions should not be deterred from following their dreams and traveling the world.

In the insurance industry, a pre-existing medical condition is defined as a medical condition, diagnosed or undiagnosed, that existed in a person before the insurance policy became effective. If a person is taking medication and/or being treated for an ailment, this qualifies as a pre-existing condition. Pre-existing conditions can vary widely from diabetes and heart conditions to asthma and chronic pain.

Acute onset of a pre-existing condition is the unexpected and sudden occurrence of a pre-existing condition. Some travel insurance plans do provide coverage for acute onset of a pre-existing condition, which means even travelers with health conditions can adventure with peace of mind.

Health history forms, the your doctor’s opinion and lab results all help to determine if a condition will be considered a pre-existing condition.

The five best plans for people with pre-existing conditions are as follows:

CoverAmerica - Gold

This comprehensive coverage plan has an extensive PPO network and provides 100% coverage in network after the deductible is satisfied. These include unique coverage like that of the loss of a passport, international missed flights, border entry protection and return flight to home country if the trip is cut short due to medical reasons. Ideal for visitors to the USA, this plan includes emergency dental treatment, eye exams, $20-$25 for urgent care visits and offers up to $125,000 in coverage for acute onset of pre-existing conditions for travelers under 70 and up to $30,000 for travelers age 70-79.

Patriot America Plus

International Medical Group’s Patriot America Plus policy is a comprehensive coverage plan that has a PPO network. Ideal for visitors to the USA, this plan is renewable, cancelable and offers up to $500,000 in coverage for acute onset of pre-existing conditions for travelers who are less than 70 years of age.

Liaison Travel Choice

This plan from Seven Corners is best for international travelers under 69 years old and offers $30,000 in acute onset of pre-existing conditions coverage. The plan offers coverage from 5 to 364 days and is renewable and cancelable.

Atlas America

This plan, provided by MIS Group, is the best option for travelers under 80 who have pre-existing conditions. The policy provides acute onset of pre-existing conditions coverage up to $2,000,000 for those 69 and under, and up to $100,000 for ages 70-79. A comprehensive plan, Atlas America includes a PPO network and is both renewable and cancelable.


A limited coverage plan offered by IMG, ChoiceAmerica costs less compared to other plans, but has limited pre-existing conditions coverage. This plan provides basic coverage and covers certain treatments and procedures up to a specified amount.

Other Tips:

As we age, the incidence of medical conditions becomes higher, so plans that include acute onset of pre-existing conditions coverage are recommended for senior travelers, even if it seems that you are in good health when you plan your trip.

However, it’s important for all travelers to thoroughly assess their health before traveling and purchasing travel insurance. Even if a condition is discovered at the time of a medical incident abroad, if it is found that the condition existed before you purchased your policy, you may not qualify for acute onset of pre-existing conditions coverage.

With any plan, it is imperative that you thoroughly read and understand not only what is covered, but more importantly, what is not covered. Different visitors insurance plans may define acute onset of pre-existing conditions differently so it is important to do your research to make sure your plan meets your specific needs.

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Disclaimer: The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.