The United States is a land of opportunities and attracts many foreign workers to the United States every year while their parents and other close family members are still back in their home country. Many professionals work here for several years and eventually get a green card then become U.S. citizens, which can take a very long time, even decades. Until that time, they are unable to sponsor their parents to come and live with them permanently. Even though they’re in another country, they of course still want to see their family from back home. Such professionals in this situation in the U.S. invite their family to visit the United States. Their visit serves dual purposes: visiting the spectacular country and its various tourist places, as well as spending some quality time with the family.

As many of the parents and in-laws of such professionals are senior in age, they could have several pre-existing conditions. Therefore, it is important to look for the best travel insurance plans for visitors to USA with pre-existing conditions coverage.

Visitors Protect Insurance

While most visitors insurance plan in the market cannot provide coverage for routine maintenance of pre-existing conditions, pre-scheduled treatment, or any anticipated treatment, there is one such plan that can offer pre-existing condition coverage with certain restrictions: Visitors Protect insurance. Visitors Protect is underwritten by SiriusPoint Specialty Insurance Corporation and carries an A- “Excellent" rating by A.M. Best. 

With Visitors Protect, you can choose a policy maximum of $50,000 to $250,000 up to age 69, and $50,000 for visitors up to age 110. Deductibles of $250 to $5,000 are available for ages up to 110, after which the plan would pay 75% (60% out of network) to the policy maximum. 

Visitors Protect utilizes the United Healthcare PPO network. 

What is unique about Visitors Protect insurance is that it offers true coverage for pre-existing conditions, with certain exceptions. These exceptions include no pre-existing condition coverage for urinary tract infections within the first 90 days that requires treatment of the insured person in a hospital as an inpatient, no pre-existing condition coverage if the insured is traveling to the US solely for the purpose of medical treatment, and no coverage if the insured is deemed not to have been medically fit for travel. 

While Visitors Protect does offer per-incident deductibles ranging from $250 to $5,000, this deductible does not apply for pre-existing condition treatment. For pre-existing condition treatment, you would pay a $1,500 deductible per incident. 

The policy maximum is also not considered for pre-existing condition care with Visitors Protect. Instead, the plan pays a maximum of $25,000 for the coverage of pre-existing conditions up to age 69, or a maximum of $20,000 for age 70 and older. 

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  Visitors Protect Insurance Pre-Existing Conditions Coverage and Exclusions

  Learn more about Visitors Protect pre-existing condition coverage.

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Visitors Protect insurance can be purchased for durations ranging from 90 days up to one year. Plus, if you decide that you need to cancel your policy early, you can get a full refund before the effective date, or a pro-rated refund minus $50 if you cancel after the effective date and no claims have been filed. 

The option to have pre-existing condition coverage for your visiting loved ones can be invaluable. Take advantage of this coverage with Visitors Protect insurance. 

Safe Travels USA Comprehensive Insurance

There are various visitors insurance plans that can provide coverage for acute onset of pre-existing conditions, which generally is defined as the unforeseen emergency occurring without prior warning and symptoms, and you need to take the treatment within the next 24 hours.

One such excellent plan is called Safe Travels USA Comprehensive. It is underwritten by Crum and Forster SPC, rated A “Excellent” by A.M. Best.

Safe Travels USA Comprehensive provides coverage for policy maximums ranging from $50,000 to $1,000,000. For persons 65 years and above, the maximum coverage is $100,000, while for persons in the age group of 80-89 years the maximum available coverage is $50,000.

Safe Travels USA Comprehensive provides one wellness visit up to $125, provided you purchase coverage for a minimum of 30 days and you use this benefit within 21 days from the effective date.

Additionally, Safe Travels USA Comprehensive is one of the very few visitors insurance plans to provide coverage for COVID-19 (Coronavirus) just like any other eligible sickness that occurs after the effective date of the policy. It will cover medically necessary testing, as well as the treatment provided you are infected after the effective date of the policy.

Safe Travels USA Comprehensive waives the deductible within the First Health PPO network and pays 100% to policy maximum. For urgent care visits, you pay a $30 copay ($0 for $0 deductible) and the deductible is waived.

Compared to other visitors insurance plans, it also has a higher limit for loss of checked luggage coverage: $1,000 maximum.

You can make an instant purchase online of this insurance plan on this website. Immediately after purchase, you will get an email confirmation with the link to download your ID card, visa letter, and certificate wording.

In case you decide to extend your stay for whatever reason, you can do an instant extension of the insurance at any time before the policy expires. If you purchase for a longer duration and if you decide to leave early, you can get a refund for the pro-rated duration minus $25 cancellation fee, as long as no claims have been filed since the original effective date of the policy. In other words, it provides you the complete flexibility to purchase the insurance exactly for the duration of your trip.

If you have any other questions, contact us for answers. Our customer service agents are waiting to help you with your insurance needs.