Pre-Existing Conditions Insurance Plans for US Visitors What does Pre-Existing condition Insurance mean? Pre-Existing condition Insurance means that any pre-existing condition for In-Patient, out-patient, urgent-care, and specialist visits is covered in the health insurance for visitors to the USA with pre-existing conditions. For example, In a situation, a visitor has heart-related problems. In case he may begin experiencing heart pain, he can visit the cardiologist for an immediate cure. Pre-existing coverage would cover such conditions underneath it. The presence of a Pre-Existing Condition usually excludes or prevents coverage for the particularized conditions under a policy. It holds to medical conditions affecting the insured, their traveling companion, or their family members. It's always advisable to go for the best medical insurance for pre-existing conditions, especially for your visiting parents.