Visitors Insurance Plans That Offer Preexisting Condition Coverage
Millions of seniors worldwide travel abroad to and from various countries, with numbers that continue to grow. After retiring, they have the time and money to travel; moreover, many have children working and living in other countries such as the USA, Canada and the UK. These professionals that left their parents to pursue an education and a career abroad likely left when they were young. To show their appreciation to their family, they frequently invite their parents, in-laws or other elderly relatives from India, China and other countries to visit them and tour their newly adopted home country.?
Unlike the cost of healthcare in their country of origin, healthcare costs in the US are very high, therefore, purchasing?visitors insurance is highly recommended. However, many seniors suffer from various?pre-existing conditions. Pre-existing conditions can be any medical condition that existed before the effective date of the policy, irrespective of whether you were aware of it, were diagnosed, or received treatment.?
Does Visitors Insurance Cover Pre-Existing Conditions?
Unfortunately, most visitors insurance plans are not designed to cover?routine maintenance or expected expenses relating to pre-existing conditions.?Travel insurance companies?simply cannot afford to do that for the modest premium they charge.?
Many people who are considering?visitors insurance for their loved ones are concerned about the coverage details for pre-existing conditions. This article describes the best and the most that can be done regarding USA visitor insurance coverage related to pre-existing conditions.?
Acute Onset of Pre-Existing Conditions
Even though pre-existing conditions are not typically covered, there are many visitors insurance plans that provide the coverage for?acute onset of pre-existing conditions, which is a sudden emergency related to an existing condition that occurs without any prior warnings or symptoms and requires treatment within the next 24 hours. Some visitors insurance plans have limitations of 48 hours before the acute onset of pre-existing conditions can be covered.
The Best Visitors Insurance Plans with Pre-Existing Condition Coverage
Age Group 80-89 Years
For senior most travelers, there is a visitors insurance plan with the most coverage for acute onset of pre-existing conditions and a plan that can offer valuable pre-existing condition coverage:
This plan provides $15,000 for acute onset of pre-existing conditions coverage for the 80-89 age group and $50,000 in new medical conditions.? It pays a fixed amount for each and every procedure, as described in the?schedule of benefits,?and you would pay the difference out of your pocket.? This plan also participates in a?PPO network, making it a very popular fixed coverage visitors insurance plan.?
This visitors insurance plan is unique in that it goes beyond covering just acute onset of pre-existing conditions, and can provide true pre-existing condition coverage with certain restrictions. Visitors Protect Insurance can cover eligible pre-existing conditions up to $20,000 for ages 70 and older, or up to $25,000 up to age 69. The advantage of Visitors Protect is that, unlike most visitors insurance plans, it can cover pre-existing condition treatment up to the stated pre-existing condition policy maximum so long as the condition and patient meet all plan requirements and satisfy the pre-existing condition deductible of $1,500.
Age Group 70-79 Years
While most comprehensive coverage plans provide a small amount or no coverage for acute onset of pre-existing conditions for visitors ages 70 and older, Atlas America can cover up to the policy maximum ($50,000 or $100,000) in acute onset of pre-existing conditions for the 70–79 age group. In addition to having a $15 copay and waiving the deductible for?urgent care and walk-in clinic, it covers 100% within the?PPO network.?It is the most popular visitors insurance with acute onset of pre-existing conditions for 70-79 age group.?
This visitors insurance plan covers up to $25,000 (cardiac $15,000) in acute onset of pre-existing conditions for 70-79 age group.? It is a low-cost?fixed coverage plan?for budget-conscious travelers. It provides coverage for one wellness visit and it is the only fixed coverage plan that participates in a?PPO network, providing the ease of direct billing and avoiding the hassles of filing for reimbursement later.
Choosing a Plan
The right visitors insurance plan for your visiting family members depends on many factors. Consider their age, any existing health issues, and the amount you can afford to spend out of your own pocket in the event of a medical emergency. With this in mind, you can get free visitors insurance quotes, compare plans side by side, and decide which one is the best fit for your visiting loved ones.
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How to Visit US National Parks for Free
The US National Park System is one of the crown jewels of the United States, and a huge draw for tourists from around the world. World-famous sites like the Grand Canyon, the geysers of Yellowstone, and the jaw-dropping peaks of Rocky Mountain National Park draw more than 20 million combined visitors each year, and they’re just three of the 423 units of the National Park System.
Naturally, many foreign-born people in the US, such as those on H1B visas, want to show their visiting families some of these incredible sites when they’re in the United States. And while it would be impossible to see even a fraction of all of them during a single trip, a visit to at least one or two is doable no matter where you are in the US.
However, international vacations cost a lot of money, and people want to save wherever possible. Luckily, there are some options that allow you to visit US National Park sites completely free.
Does it Cost Money to Enter US National Parks?
Of the 423 National Park sites in the US, 108 of them charge for entry. Naturally, the ones that do charge tend to be the most popular ones to visit. Entry prices range from $20 to $35 per vehicle, and $10 to $20 per person, depending upon the park. If you’re visiting with a large family, it can easily set you back several hundred dollars.
Which US National Parks are Free to Enter?
Luckily, the majority of US National Parks charge no entry fee at all. For instance, North Cascades National Park in Washington, Redwood National Park in California, and Cuyahoga Valley National Park in Ohio are all free to enter year-round, along with over 300 more. It just takes a little research to discover the free ones near you.
How to Enter Any US National Park for Free
If you plan your trip right, your entire family can visit any one of the most famous US National Parks for free, but only on certain days. The US National Park Service sets aside entrance fee-free days every year, allowing visitors to relish natural splendor and see incredible monuments without spending anything at all.
These fee-free days often fall on US holidays, or on days that are significant to the National Park Service. For 2025, the National Park entrance fee-free days are:
How Free is “Free?”
Before your family sets off to visit a National Park on one of these fee-free days, remember that the only fee actually waived is the park entrance fee. If you want to go camping, access a boat launch, take a guided tour, etc. you’ll still have to pay whatever fees that particular park charges for those amenities.
Don’t Forget the Right Insurance for US National Parks
Every member of your visiting family should be covered by visitors insurance while visiting you in the United States. If one of them were to get sick or hurt, your domestic insurance won’t cover them. Visitors insurance is the only way to ensure they can receive necessary care with a predictable bill.
However, if you plan to visit a National Park with your family, keep in mind the activities you’ll be participating in. Standard visitors insurance plans may not cover higher-risk activities like mountain climbing, whitewater rafting, or horseback riding.
Be sure to read the insurance policy’s certificate carefully before purchase. If it will not provide coverage for the activity your family member wants to take part in, consider getting hazardous sports travel insurance.