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Health Insurance for Pre-existing condition

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I want to bring my parents to US (both below 70 years and have pre-existing conditions) and want to buy insurance for $250,000, which covers pre-existing conditions. I understand that these traveler insurance cannot be used for regular doctor visits but rather can be used in emergencies. I heard that Atlas America has good options for folks below 70 years with pre-existing conditions for up to $1 Million. Has anyone used this insurance and do they really pay or held accountable in case the need arises. I want to buy the insurance upfront while they are in India and want to disclose the kind of pre-existing conditions they have. 

I would really appreciate if somebody can share their experience and findings in this area.


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You should do your due diligence and read up extensively on the topic. Most allow for acute exacerbations of a chronic condition.

If preexisting conditions have been stable for 90 days or so depending on the company , any new development even if linked to the preexisting condition is allowed for purposes of payment.

You should also have them consult their cardiologist or whatever specialist before planning a trip.

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