Student Insurance Pre-Existing Condition


International students with pre existing medical conditions need not have to worry for medical insurance coverage. There are prominent insurance companies who offer coverage for pre existing medical conditions under student medical insurance plans. Travelers can compare the sum assured for pre existing medical condition under student health insurance and make an informed choice.

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American Student Insurance

Browse the list of Student Plans covering Pre-Existing Condition Benefit:


Plan Name Coverage Review and Buy

Patriot Exchange Insurance



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  • Standard Short-Term Travel Plan:
    • Pre-Existing Conditions(For U.S citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted): $500 per year;$50,000 lifetime maximum - after 12 months of continuous coverage
    • Sudden Recurrence of a Pre-existing Condition(U.S. citizens):
      • Medical: Up to $5,000 of eligible expenses
      • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses
  • Basic Short-Term Travel Plan:
    • Sudden Recurrence of a Pre-existing Condition(U.S. citizens):
      • Medical: Up to $5,000 of eligible expenses
      • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses

Up to $5,000 will be paid for Pre-existing Condition while traveling outside of the U.S., Up to $25,000 will be paid for the expenses of an Emergency Medical Evacuation of a Pre-existing Condition.

  • Underwriter: Sirius International Insurance Corporation
  • Administrator: International Medical Group

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Patriot Group Exchange Insurance



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  • Standard Short-Term Travel Plan:
    • Pre-Existing Conditions (For U.S citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted): $500 per year;$50,000 lifetime maximum - after 12 months of continuous coverage
    • Sudden Recurrence of a Pre-existing Condition(U.S. citizens):
      • Medical: Up to $5,000 of eligible expenses
      • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses
  • Basic Short-Term Travel Plan:
    • Sudden Recurrence of a Pre-existing Condition(U.S. citizens):
      • Medical: Up to $5,000 of eligible expenses
      • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses
  • Long-Term Annual Plan:
    • Sudden Recurrence of a Pre-existing Condition(U.S. citizens):
      • Medical: Up to $5,000 of eligible expenses
      • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses

Up to $5,000 will be paid for Pre-existing Condition while traveling outside of the U.S., Up to $25,000 will be paid for the expenses of an Emergency Medical Evacuation of a Pre-existing Condition.

  • Underwriter: Sirius International Insurance Corporation
  • Administrator: International Medical Group


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Student Health Advantage Insurance



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  • Pre-existing Conditions: After 12 months of continuous coverage
  • Six Month Pre-existing Condition Rider: (Available only if the insured's destination is Florida, Hawaii, Idaho, or Massachusetts)

The six Months Pre-Existing Condition Rider is available for those individuals whose destination is the United States, to the states of Florida, Hawaii, Idaho, or Massachusetts only. The rider will replace the 12 month pre-exixting condition waiting period with a six month pre-existing condition waiting period. If this rider is selected, a 10 month waiting period on Maternity will apply.

  • Underwriter: Sirius International Insurance Corporation
  • Administrator: International Medical Group

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Liaison Student Insurance



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  • Unexpected Recurrence of a Pre-Existing Condition:
    • Non U.S. Students: N/A
    • U.S. Citizens: Up to $500

Liaison Student Insurance shall pay up to $500 subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the United States.

  • Underwriter: Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual Fire Insurance Company.
  • Administrator: Seven Corners, Inc

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Student Secure Insurance



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  • Limit-Select:
    • 180-day waiting period
  • Limit-Budget:
    • 180-day waiting period
  • Limit-Smart:
    • 364-day waiting period; Up to $25,000 for acute onset only

A pre-existing condition is generally defined as any injury or illness which, within the 180 days prior to the effective date of coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted.

  • Underwriter: Lloyds
  • Administrator: HCC Medical Insurance Services

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