The former Trump administration had proposed a rule which expected prospective new US Green card senior citizen parents to provide proof of having good US immigrant health insurance coverage for elderly immigrant parents in the US. This proclamation however has come under legal scrutiny with different cases filed against this Trump administration initiative.
This proposed rule will mostly impact green card parents of current US citizens who are and are applying for US Green cards. According to this new rule visas to enter the US can be denied if one is not able to provide proof of proper US immigrant health insurance for green card holders senior citizen parents.
While details of the new immigrant health insurance for green card parents requirements are still to be announced, the best US Green card holder insurance plans that we offer work well as short term health insurance which prospective Green card senior citizen parents can use till they are eligible for domestic US insurance plans.
COVID19 coverage 
Recent immigrants, green card holders, as well as short term visitors can purchase this plan
COVID19 coverage COVID19 coverage
Always eligible for purchase regardless of age and time spent in US. Green Card holders can buy INF medical insurance for parents as long as they have a residence outside the US.
COVID19 coverage
Always eligible for purchase regardless of age and time spent in US. Green Card holders can buy INF medical insurance for parents as long as they have a residence outside the US.
After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance.
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We really thank American insurance team for providing great assistance in taking the insurance. We were successfully.
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Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it.
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The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition. In the $50,000 range there are many fixed benefit and comprehensive plan options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.
Buy onlineVisitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
Buy onlineINF Elite plan This plan provides a maximum of $20,000 coverage for green card parents over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable and is the best health insurance for green card holders with pre existing condition as it is the full pre existing coverage plan.
Buy onlineINF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.This plan covers Urinary Tract infection for older green card parents above 70 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
Buy onlineGreen card holders who are in the US but also have a residence outside the United States can buy the following Covid19 health insurance plans. These are the top health insurance companies offering Covid-19 coverage for green card holders.
The Patriot America Plus and Patriot Platinum America insurance offer COVID 19 health insurance for green card holders up to the policy maximum. The Greencard holder should be living outside the US and have an international address.
INF Covid19 health insurance namely INF Premier, INF Elite, INF Standard and INF Traveler USA,INF Elite Plus insurance, INF Elite 90 insurance and INF Traveler USA 90 insurance offers Covid green card health insurance. Green Card holders can buy INF plans as long as they have a residence outside the US.
Yes. Green card holders can buy INF insurance, in fact many older Green card holder especially those who are above age 65 buy INF insurance. INF insurance plans also has the advantage of offering ancillary benefits such as dental and telemedicine that are usually covered under separate policies for domestic health insurance.
Following are the list of US travel insurance plans:
Green Card holders can buy the INF plans initially for One year at a time. They can however then renew the policy. There is no "term limit" for INF plans.
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders. Green Card holders can buy INF medical insurance for parents as long as they have a residence outside the US.
Yes, they can buy INF travel insurance.
Yes, they can buy INF travel insurance as long as they have a residence outside the US.
American Visitor Insurance works with reputed US travel insurance providers to give green card holders in USA a wide range of health insurance options. We have nearly two decades experience in understanding the diverse requirements of new immigrants and green card holders in US and in offering appropriate medical insurance options to them. Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate green card parents insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all health insurance for parents questions, reviews of different products, testimonials for customers as well as provide an user friendly US health insurance comparison tool where green card parents can compare different products based on price as well as the coverage benefits. All of these tools help parents make an informed decision while buying travel insurance.
If you have sponsored your parents visit and have completed the I-134 Form during their visa application, then you can be held responsible for any medical bills. The I-134 form is an Affidavit of Support declaring to the U.S. government that the visa applicant, in this case your parents, will be financially supported by the sponsor (you) in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government. As the sponsor, you will be responsible for any living and healthcare expenses of the visa applicant while in the United States.
In the event that the visitor visa holder needs healthcare services, the healthcare provider can hold you who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the visitor to the US. Given the high US healthcare costs it is important that you as the sponsor ensures that any parents has best health insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have excellent US travel health insurance for visitors visa applicants.
An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions. These conditions can include chronic illnesses such as diabetes, heart disease, or cancer, or any other condition that requires regular medical treatment or attention.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
The best visitors insurance for parents visiting USA is listed here:
Here are some travel insurance tips for travelers with pre-existing conditions
There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
The following are important factors for buying travel insurance for pre-existing conditions
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.
Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.
The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders
Perfect for people planning on immigrating to US but not yet left their home countries. Click here to read more »
Green card holders who travel frequently to their home country. Click here to read more »
New US immigrants who can be parents or family members or Fiancee (K visa) visitors. Click here to read more »
Compare Green card holder insurance plans who may not immediately qualify for US domestic health insurance. Click here to read more »
Parents who have applied for Green Card and are waiting for approval can buy these insurance plans. Click here to read more »
Can buy health insurance for elderly Green card immigrant parents from a few days up to 5 years.
Available as monthly, quarterly, semi-annually or annual increments.
Health insurance for elderly immigrant parents available even 24 months after arriving in the US.
Health insurance for green card holders senior citizen parents till they are eligible for domestic US health plans.
In this situation, it might be most appropriate to buy short term Visitor insurance till you understand your domestic insurance option. You can compare and buy Visitor Insurance using our compare tool. If you are under the age of 65 or working in a corporate environment, it is best to get insurance through your employer. Alternatively you can buy the Blue Cross/Blue Shield insurance available in your state.
If you are looking for health insurance for non U.S. citizens over 65, unfortunately you are not immediately eligible for the Medicare program benefits for green card holders over 65. This is available to US residents on reaching 65 years if they have paid US taxes for 40 quarters (minimum of 10 years). As a new immigrant, you will not be immediately eligible for Obamacare for green card holders over 65 for at least three years of continuous living in the US. However, we have health insurance for seniors with green card, new immigrants over 65 years can buy till they are eligible for Medicare. The most affordable Fixed benefits health insurance for immigrant parents over 65 plan is Inbound USA Choice Insurance.
Pre-existing Condition Coverage
Under the Affordable Care Act (ACA) also popularly known as Obamacare, it is mandatory for all US residents (including Green card holders) to have health insurance, failing which they will have to pay a fine which increases annually. This mandatory health insurance for elderly parents on green card is however waived for those who have lived more than 330 days outside the USA. In this situation, where Green card holders usually live outside the US, and are visiting the country, they can buy many of our visitor insurance plans as health insurance for elderly parents on green card.
International Medical Group's (IMG's) Patriot America Lite is an option if they have a permanent address outside the US. Alternatively, you can buy the Visit USA or WorldMed plans offered by TravelInsure. The most affordable fixed benefits plan is the Inbound USA Choice which can be renewed for up to Three years. INF offers health insurance for pre-existing conditions which works well as health insurance for immigrant parents over 65. Green Card holders can buy INF medical insurance for parents as long as they have a residence outside the US.
These are certainly uncertain times for international travelers with corporate travel being particularly vulnerable to the Covid pandemic, the war and labor shortages in airlines and airports in Europe and the Geo-political tension in Taiwan. Even though international travelers are allowed to the US without any restriction the risks of the Covid pandemic still remain. In this context it is still very important to buy the best annual travel insurance with Covid coverage. If you are an international traveler without health insurance or if it will run out soon, do consider buying an alternative annual travel insurance with coronavirus coverage. At American Visitor Insurance we are committed to getting you the most appropriate international travel insurance covid policy you need even under these difficult circumstances.
Green Card holders visiting USA that covers pre-existing conditions
Dear Sir,We two my wife and myself will be reaching USA with green Card and will stay in Florida.
Will like to know which is the best health insurance for new immigrants over 65 ?
We both are in fairly good health but must cover pre-existing conditions.
We have no income source in US.
Thanks,
Dear Shakti,There is one fixed option renewable for up to 3 years:
Inbound USA Choice :This plan is designed for immigrants who intend to stay on in the USA. The plan is renewable for up to 3 years.
"INF insurance offers coverage for pre-existing conditions. The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. INF Premier and INF Elite plans should be purchased for minimum 3 months." Green Card holders can buy INF medical insurance for parents as long as they have a residence outside the US.
There is one comprehensive benefit insurance:
If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Patriot America or Patriot PlatinumSimilarly, the Patriot Platinum plan has some coverage for pre-existing conditions. Please see the brochure for details. This plan has more options available for persons over 70.
Please let us know if we can help you in any further.
Regards,There are many US Green card holders either without proper health insurance for permanent residents, or have medical insurance for Green card holders over 65 but without any Covid19 coverage. Even though Covid related fatalities have come down, Covid remains a threat due to the increase in the Covid sub-variants.
Any hospitalization due to Covid can be very expensive and having good medical insurance for permanent residents has become essential. At American Visitor Insurance, we are committed to getting the best Covid Green card travel insurance. The covid-19 coverage plans treat coronavirus related illness like any other illness irrespective of the variant.
The following US insurance providers offer Green card holder health insurance including the best health insurance for Green card holders over 65 years old.
Compare popular US immigrant insurance plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards...
Click here to read more »Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!...
Click here to read more »The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage ...
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