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Pre-existing Condition Visitor Insurance provides USA visitors and foreign travelers with coverage for mostly acute onset of pre-existing conditions, which is is any medical condition the person might have been diagnosed with, or had any treatment for, or is taking any medication for prior to the start date of the insurance. Among the many plan offering, only some visitors medical insurance plans provide coverage for pre-existing conditions. Not all pre existing medical conditions such as heart attack, stroke, blood pressure, diabetes, stroke and emergency health coverage for sudden unexpected relapses of other illness and/or sickness are covered, please refer to the plan brochure for specific coverage.

Atlas America Insurance, Patriot America Plus, Patriot Platinum Insurance, and Safe Travels USA Comprehensive are some of the plans that cover only acute onset of certain pre-existing conditions up to a certain limits and restricted by age as listed in the plan brochure.

Pre-existing conditions are usually chronic health conditions that are under medical control, these plans don’t cover all pre-existing and are often medical conditions such as:

  • heart problems (including bypass surgery)
  • chronic obstructive pulmonary disease (COPD)
  • stroke
  • asthma
  • diabetes
  • certain allergies
  • certain skin conditions

The above conditions are only a general listing, always refer to the policy plan insurance brochure under plan exclusions for the exact terms of coverage. Common plan exclusions include:

  • mental illness
  • hemophilia
  • epilepsy
  • chronic infections
  • multiple sclerosis, etc.
  • a pregnancy prior to coverage
  • an injury which occurred prior to coverage

Visitor medical insurance generally does not cover treatment of a wide range of acute onset or relapse or recurrence of excluded medical conditions, including asthma, arthritis, reflux, breast cancer, COPD, blood pressure (hypertension), raised cholesterol, colitis, heart conditions, angina, diabetes, strokes, coeliac disease, osteoporosis, irritable bowel syndrome (IBS), and many more under the pre-existing visitor insurance category.

Many other conditions are included in the plan exclusions which can be reviewed in the plan brochure, that include haemophilia, hepatitis, bowel cancer, epilepsy, prostate cancer, multiple sclerosis (MS) , cystic fibrosis, leukaemia, Crohn’s disease, Parkinson’s disease, thyroid, diverticulitis, anaphylaxia, pancreatitis, hydrocephalus, etc. Please always refer to the plan brochure for exact details.