A pre-existing condition is defined as any existing medical problem that an individual is already suffering from or experiencing prior to purchasing a visitors' insurance plan.

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

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Irrespective of whether a person is aware or not, if a physician or the medical results reveal that the particular problem is not something new, the travel insurance company will categorize it as a pre-existing condition. It is important to keep in mind that there are different travel plans to consider when purchasing for travel medical insurance plans that cover pre-existing conditions versus those meant for acute onset of pre-existing conditions. It is entirely up to the doctor's discretion to diagnose the problem as one or the other. He will base this on previous health history, current medical and diagnostic tests.


A common question asked is, "How to determine which travel medical insurance to buy based on one's health condition?" Theoretically, the primary idea behind any insurance is to cover any unexpected or unknown risks that could arise during your travels. Not all health issues are due to pre-existing condition.

Some health hazards occur due to an acute onset of a pre-existing medical conditions. Hence, it is very important to protect yourself from any possible accidents and emergencies that may happen to you in the future. Having said that, purchasing a travel medical insurance policy can not only give you peace of mind, but protect your health and your finances as well.

Visitors With Pre-Existing Conditions: This Is What You Should Know

The most common pre-existing conditions are high blood pressure, diabetes, heart disease, asthma, and cancer. Though people with these conditions can be in a healthy, stable condition, they may be dependent on medicines, insulin, or regular checkups.

Visitors Insurance Plan Covering Pre-Existing Medical Conditions

INF Elite
Comprehensive Coverage Plan

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Plan Highlights
• Rated "A" Plan
• Up to 80% Coverage
• PPO Network
• Renewable
• No State or Country Restrictions
• Up to $150K Coverage up to Policy Maximum (Conditions Apply)

In the past, travelers with pre-existing conditions hesitated to travel because of a lack of adequate travel medical insurance coverage. Today plans like INF Elite and INF Premier take the worry out of every travel plan for anyone with pre-existing medical conditions. Additionally, there are certain ways you can prevent/control any mishaps caused by your pre-existing condition by taking certain precautions during your travels:

  • Purchase a travel medical insurance plan with adequate overall coverage as well as coverage for an acute onset of pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing condition. Although the diagnosis of this is always up to the doctor's discretion at the time of visit, coverage for this could still provide you with a safety-net for your pre-existing condition should any issues arise. To learn more, see: Plans that Cover Acute Onset of Pre-Existing Conditions.

  • Although it is not required to purchase visitors' insurance, it is recommended that you have a thorough medical checkup before you travel to the USA. This will be very useful in identifying any hidden medical issues. It will also give you peace of mind during your travels.

  • Carry a sufficient amount of medicine from your home country. Be sure to plan ahead in case your flight is delayed. It is recommended that you bring two weeks of extra medication and supplies. In some cases, you can even get your medicines from your home country via regular mail (This excludes any controlled drugs).

  • For those with high-blood pressure and/or diabetes: Consider buying self-measuring equipment . These devices don't tend to be overly expensive, but will be very useful for home use. They can often be purchased from any local electronics shops or on the internet.

  • Pay attention to your eating habits, walk/exercise, make new friends, and keep measuring your blood pressure and sugar on a regular basis.

  • For children who are hosts: Do not make hectic travel plans. Make sure you ask your parents from time to time if they are okay and comfortable. Parents should not be offended to take instructions from your children or the younger generation; especially when it is for your own well-being and safety.

Worried About Traveling To The US With Pre-Existing Medical Conditions?

Here’re the BEST travel insurance plans for you

Travel Insurance For Pre-Existing Conditions

While many travel medical insurance plans do offer coverage for an acute onset of a pre-existing condition, the conditions that are actually covered under this benefit can often be very confusing to many international travelers. ChoiceAmerica Insurance, a new travel medical insurance plan, actually offers limited pre-existing condition coverage as an optional rider to the policy, rather than just coverage for an acute onset. For more information on this unique plan, visit ChoiceAmerica Insurance.

For travelers with Diabetes:
Infographic on traveling tips for travelers with diabetes

Acute Onset of Pre-Existing Conditions Coverage from VisitorsCoverage
  • Pre-Existing Conditions travel medical insurance - The plans below are recommended for travelers with pre-existing conditions.

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Visitors Health Insurance Plans with Acute onset of Pre-Existing Conditions Coverage

CoverAmerica - Gold
Comprehensive Coverage Plan

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Plan Highlights
• Rated "A" Plan
• 100% coverage in network after deductible
• 100% of URC up to medical maximum for out-of-network after deductible
• Urgent care copay $20-$25, depending on policy max
• Up to $150 Towards Public Health Emergency Screening
• Return flight to home country if trip is cut short due to medical reasons
• Acute onset of pre-existing conditions coverage up to $125,000 for those 69 and under, and up to $30,000 for ages 70-79.

ChoiceAmerica
Limited Coverage Plan

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Plan Highlights
• Plan pays fixed amount per incident up to policy maximum
• Basic coverage, low cost, less benefits
• Coverage from 5 days to 12 months
• PPO Network
• Limited pre-existing condition coverage
• Coverage for border entry denial
• Coverage for adventure sports and amusement park injuries
• Coverage for loss of passport and essential travel documents
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Disclaimer: The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.