Age 80+: $10,000.
Age 14 days through 69 years: Plan A - $50,000; Plan B - $75,000
Age 70 through 79 years: $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000
Age 80 and above: Plan A - $10,000
Age 14 days through 69 years: $0, $50 and $100
Age 70 years and above: Plan A - $100 and $200; Plan B - $100 and $200
Ages 80 years and above: Plan A - $100 and $200
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
| Plan maximum per injury/sickness | Plan A: $50,000 Plan B: $75,000 Plan C: $100,000 Plan D: $130,000 |
| Hospital room and board? | Plan A: $1,450 per day, maximum 30 days Plan B: $1,725 per day, maximum 30 days Plan C: Up to $2,000/day, 30 day max Plan D: Up to $2,585/day, 30 day max |
| Hospital Intensive Care Unit? | Plan A: $2,200 per day, maximum 8 days Plan B: $2,600 per day, maximum 8 days Plan C: $3,000 per day, maximum 8 days Plan D: $3,800 per day, maximum 8 days |
| Surgery? | Plan A: $3,600 per session Plan B: $4,800 per session Plan C: $6,000 per session Plan D: $7,800 per session |
| Consultant physician | Plan A: $450 maximum Plan B: $475 maximum Plan C: $500 maximum Plan D: $650 maximum |
| Private duty nurse | Plan A: $550 maximum Plan B: $550 maximum Plan C: $550 maximum Plan D: $700 maximum |
| Physician visits? | Plan A: $60 maximum per visit, 30 visits max. Plan B: $75 maximum per visit, 30 visits max. Plan C: $90 maximum per visit, 30 visits max. Plan D: $115 maximum per visit, 30 visits max. |
| Surgery? | Plan A: $3,300 per session Plan B: $4,400 per session Plan C: Up to $5,500 per session Plan D: Up to $7,150 per session |
| Outpatient surgical facility | Plan A: $1,100 maximum Plan B: $1,150 maximum Plan C: $1,200 maximum Plan D: $1,500 maximum |
| Pre-Admission Testing? | Plan A: $1,100 maximum Plan B: $1,100 maximum Plan C: $1,100 maximum Plan D: $1,450 maximum |
| Diagnostic x-ray and labs? | Plan A: $500 maximum, plus $400 for one CAT Scan, MRI or PET Plan B: $550 maximum, plus $450 for one CAT Scan, MRI or PET Plan C: $600 maximum, plus $500 for one CAT Scan, MRI or PET Plan D: $750 maximum, plus $650 for one CAT Scan, MRI or PET |
| Emergency room (all expenses incurred therein) | Plan A: $375 maximum Plan B: $485 maximum Plan C: $600 maximum Plan D: $785 maximum |
| Observation room services | Plan A: $355 maximum Plan B: $465 maximum Plan C: $575 maximum Plan D: $750 maximum |
| Outpatient prescription drugs | Plan A: $150 maximum Plan B: $200 maximum Plan C: $250 maximum Plan D: $300 maximum |
| Office visits, including urgent care | Plan A: $70 allowable per visit, 10 visits max. Plan B: $85 allowable per visit, 10 visits max. Plan C: $100 allowable per visit, 10 visits max Plan D: $130 allowable per visit, 10 visits max |
| Assistant Surgeon? | Plan A: $150 maximum Plan B: $200 maximum Plan C: $250 maximum Plan D: $300 maximum |
| Physical Therapy? | Plan A:$40 maximum per visit, 1 visit per day, maximum 12 visits Plan B: $40 maximum per visit, 1 visit per day, maximum 12 visits Plan C: $40 maximum per visit, 1 visit per day, maximum 12 visits Plan D: $40 maximum per visit, 1 visit per day, maximum 12 visits |
| Mental & nervous disorder & substance abuse | Plan A: Same as any illness Plan B: Same as any illness Plan C: Same as any illness Plan D: Same as any illness |
| Durable medical equipment | Plan A: $1,100 maximum Plan B: $1,200 maximum Plan C: $1,300 maximum Plan D: $1,700 maximum |
| Emergency local ambulance? | Plan A: $500 maximum Plan B: $500 maximum Plan C: $500 maximum Plan D: $500 maximum |
| Dental accident | Plan A: $550 maximum Plan B: $550 maximum Plan C: $550 maximum Plan D: $550 maximum |
| Emergency medical evacuation? | $50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70. |
| Repatriation of remains | $25,000 per member |
| Local burial & cremation? | $5,000 per member |
| Common carrier accidental death & dismemberment | $25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum |
| Benefit Period | 90 days per certificate period. |
The Visitor Secure is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Here are some tips for buying pre-existing conditions travel insurance:
Atlas America insurance and Atlas premium insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions
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Email: service@worldtrips.com
Fax: (+1) 317-575-2256
1-800-605-2282
For Outside U.S : (317)262-2132
WorldTrips
251 North Illinois Street,
Suite 600, Indianapolis,
IN 46204
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