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Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.

Unfortunately, travel insurance does not include coverage for this type of testing or treatment and there are usually exclusions for treatment related to STDs. Travel Insurance plans are primarily designed to cover you while traveling for new illnesses, injuries or accidents that occur during your trip. If you have any additional questions or need further clarification, please let us know.

All plans for visitors are primarily designed to cover for new injuries or illnesses that did not exist in the body before the effective date. No plan on the market will cover preventative care or routine treatment of any kind. Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. It has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. It must be purchased before the insured has left their home country, and the sub-limited maximum amount of coverage that is available for pre-existing conditions is $25,000 ($50k, $100k, or $250k policy max available for expenses related to new injuries or illnesses). Other plans, like Atlas America or Patriot America Plus, do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. You can run a quote in the Visitors to U.S.A. section of the website to see what plans are available. If you have any additional questions please let us know.

Atlas America will offer the Acute onset of pre-existing conditions to ages over 70. If you would like to learn more you can view our Acute Onset of Pre-existing Conditions FAQ. Coverage is always going to be determined using the doctors notes and medical records to see if the event met the criteria set forth by the plan. Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known, expected, or routine treatment. Please be advised that it does has a 90 day minimum purchase and is not extendable. It has $1500 deductible built into the plan for anything relating to a pre-existing condition. It also must be purchased before the insured has left their home country. If you have any additional questions please let us know.

If anything, symptoms or otherwise, have already begun, and you do not have an active policy, there are no insurances on the market that will cover the medical treatment for that illness or injury even under the Acute Onset of Pre-Existing Condition exception. If you need further clarification or have additional questions please call our office at 1(866) 467-8289 to speak with an agent.

You are welcome to run a quote in the New Immigrants section of our website to see what plans are available to you. If you are eligible to purchase insurance through your employer you must do so. You are also welcome to read our H visa FAQ for more information. If you have any additional questions please let us know.