Pre-existing Coverage Insurance

Pre-existing Condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising there from, whether or not previously manifested or known, diagnosed, treated, or disclosed. Most of the plans cover only Acute onset of a preexisting condition. The restriction on how acute onset of a preexisting condition coverage is based on the insurance carrier which we choose. But the common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs.

The following plans designed to covers Acute onset of a preexisting conditions.

Patriot America Plus Group

Carrier/Underwriter: Lloyd's of London

HIGHLIGHTS

Low cost fixed benefits/pre-existing condition coverage
Plan Pays fixed amount per incident

  • Non-US citizen traveling to the U.S
  • Eligible Ages 14 Days to Age 69 years
  • Basic coverage, low cost, less benefits
  • Coverage from 5 days to 1year.
  • Policy Medical Maximum Choices from $50,000 to $130,000
  • Physician's Non-Surgical/Urgent Care Visits Up to $60 - $115/visit, 1/day, 10 visits
  • No PPO network visit any doctor
  • Covers Acute Onset of a Pre-existing Condition(s) up to 130,000
Patriot Platinum America

Carrier/Underwriter: Lloyd's of London

HIGHLIGHTS

Low cost fixed benefits/ pre-existing condition coverage
Plan Pays fixed amount per incident

  • Non-US citizen traveling to the U.S
  • Eligible Ages 14 Days to Age 99 years
  • Basic coverage, low cost, less benefits
  • Coverage from 5 days to 180 days.
  • Policy Medical Maximum Choices from $25,000 to $120,000
  • Physician's Non-Surgical/Urgent Care Visits Up to $40 - $100/visit, 1/day, 10 visits
  • No PPO network visit any doctor
  • Covers Acute Onset of a Pre-existing Condition(s) up to 120,000
Patriot America Plus Group

Carrier/Underwriter: Lloyd's of London

HIGHLIGHTS

Scheduled Benefit Protection
Plan Pays fixed amount per incident

  • Non-US citizen traveling to the U.S
  • Policy Medical Maximum Choices from $50,000 to $130,000
  • Physician's Non-Surgical/Urgent Care Visits Up to $60 - $115/visit, 1/day, 10 visits
  • No PPO network visit any doctor
  • Coverage for ages 14 days through 99 years
  • A coverage length from 5 days to 364 days, and it is renewable  for up to 5 years! 
  • Maternity Coverage
Patriot America Plus Group

Carrier/Underwriter: Lloyd's of London

HIGHLIGHTS

Low cost fixed benefits/ pre-existing condition coverage
Plan Pays fixed amount per incident

  • Non-US citizen traveling to the U.S
  • Eligible Ages 14 Days to Age 69 years
  • Basic coverage, low cost, less benefits
  • Coverage from 5 days to 1year.
  • Policy Medical Maximum Choices from $50,000 to $130,000
  • Physician's Non-Surgical/Urgent Care Visits Up to $60 - $115/visit, 1/day, 10 visits
  • No PPO network visit any doctor
  • Covers Acute Onset of a Pre-existing Condition(s) up to 130,000
Patriot America Plus Group top seller
HIGHLIGHTS

Carrier/Underwriter: Lloyd's of London

Comprehensive Coverage Plan
In Network plan pay 90% of first $5,000; then 100%
Outside Network: Pays 80% for first $5000, then 100% up to policy max

  • Individuals and families traveling outside their home country
  • This plan has 3 products- Economy, Choice & Elite.
  • Covers from 5 Days to 3 years
  • Eligible ages from 14 days to 69 years
  • Covers during international travel
  • Deductible options from $0 to $5000
  • Covers Acute Onset of pre-existing conditions
Patriot Platinum America

Carrier/Underwriter: Sirius International

HIGHLIGHTS

Comprehensive coverage plan
In the PPO Network: No Coinsurance
(Outside the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits)

  • This plan covers during USA visit and non-USA
  • Coverage from 10 days to 36 months
  • Deductible options from $0 to $25,000
  • Maximum limits from $1,000,000 to $8,000,000
  • Sudden and Unexpected Recurrence of a Pre-existing Conditions - <65, pay up to a $50,000
Patriot Platinum America

Carrier/Underwriter: GBG Insurance Limited

HIGHLIGHTS

Low-cost Schedule of Benefits Plan

This Plan Plays fixed amount for incident.

  • For persons traveling to USA and other countries
  • Eligible Ages 14 days to 89
  • Deductible options (per Incidence) $0, $50 $100 or 200
  • Well Doctor $75 for one Visit per person per Policy Period
  • 5 days to 1 year, renewable up to 1 years
  • Age up to 69 years: Covers Cardiac disease or conditions is up to $25,000
Patriot Platinum Americatop seller

Carrier/Underwriter: GBG Insurance Limited

HIGHLIGHTS

Comprehensive plan covers Acute onset of Pre-Existing Condition

In Network pays - 100%
Out of Network - 80% of the first $5,000 then 100% up to the policy maximum

  • Non-US citizens traveling to USA
  • Eligible Ages 14 days to 89
  • $75 Doctor Wellness Visit Benefit
  • Deductible options from $0 to $5,000
  • Urgent Care co-pay$30
  • Coverage from 5 days to 1 year
Patriot Platinum America

Carrier/Underwriter: Lloyd's of London

HIGHLIGHTS

Comprehensive Coverage Plan

IN PPO-Network, Plan pays 100%

  • Non-US citizens traveling to USA
  • Deductibles from $0 to $5,000per certificate period
  • Eligible Ages 14 days to Ages 80 or older
  • Maximum Coverage from $50,000 to $2,000,000| Age 70 to 79: $50,000, $100,000 or $250,000. Age 80 or older: $10,000
  • Urgent care visit co-pay $15
  • walk-in clinic visit co-pay $15
  • Acute Onset of Pre-existing Condition for Age 70 to 79: Up to the overall maximum limit or $100,000
Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.