WorlTrips Visitors insurance for older travelers, World Trips senior citizens travel insurance, Parents visitors insurance for USA

WorldTrips: Plans offering Older travelers plans

Atlas International

Plan Details Brochures Buy Online

Atlas International insurance Eligibility
- Only US Citizens and non-US citizens whose travel does not include the continental USA, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the USA, and who are at least 14 days of age are eligible for coverage under this plan.
Atlas International insurance Coinsurance
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas International insurance restrictions
- The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Atlas International insurance - Key Highlights
- This plan is a comprehensive international plan that is available for Non US citizens and US citizens traveling outside their home country.
- The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
- The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
- No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for up to $10,000 not subject to deductible.
- Travel Delay coverage is available for up to $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $1000 - not subject to deductible.
- Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas America

Plan Details Brochures Buy Online

Atlas America insurance Eligibility
- Non-US Citizens traveling outside their home country
Atlas America insurance Coinsurance
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas America Travel insurance restrictions
- The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Atlas America Travel insurance - Key Highlights
- This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
- This plan is available to both Non-US citizens and US citizens traveling outside their home country.
- The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
- The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
- You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25,000 lifetime maximum for emergency medical evacuation.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for upto $10,000 not subject to deductible
- Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $1000 - not subject to deductible.
- Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Premium

Plan Details Brochure Buy Online

Atlas Premium insurance Coinsurance
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas Premium Travel insurance restrictions
- The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Atlas Premium Travel insurance - Key Highlights
- The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
- The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $20,000.
- No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for up to $15,000 not subject to deductible.
- Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $2000 - not subject to deductible.
- Political Evacuation available up to $150,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

VisitorSecure

Plan Details Brochures Buy Online

VisitorSecure insurance Eligibility
- Travelers traveling outside their home country and who are over 14 days of age.
- US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.
- For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.
Acute Onset of Pre-Existing Condition
- The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy.
- Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
- A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.
VisitorSecure Travel insurance restrictions
- The VisitorSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

VisitorSecure Travel insurance - Key Highlights

Visitor Secure is available for people traveling to the US and abroad.
Visitor Secure plan has four types of plans namely Plan A, Plan B, Plan C and Plan D.
The plan has the following deductible options and overall policy maximum options for people of different age groups:

Deductible options	Plan A	Plan B	Plan C	Plan D
Age 14 days to 59 years	$0, $50, $100	$0, $50, $100	$0, $50, $100	$0, $50, $100
Age 60 to 69 years	$0, $50, $100	$0, $50, $100	$0, $50, $100	NA
Age 70 to 79 years	$100 or $200	$100 or $200	NA	NA
Age 80 and above	$100 or $200	NA	NA	NA

Overall policy maximum options	Plan A	Plan B	Plan C	Plan D
Age 14 days to 59 years	$50,000	$75,000	$100,000	$130,000
Age 60 to 69 years	$50,000	$75,000	$100,000	NA
Age 70 to 79 years	$50,000	$75,000	NA	NA
Age 80 and above	$10,000	NA	NA	NA

Visitor Secure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
The plan covers Inpatient Intensive Care Unit, Private Duty Nurse, Physician visits, Consultant physician, Surgery and price varies between the types of plans.
Outpatient treatment facilities such as surgical facility, pre admission testing, diagnostic x-ray and labs,prescription drugs, Urgent Care are covered with this plan.
He Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
Emergency medical evacuation available for up to $50,000 lifetime maximum for age below 70.
Repatriation of remains is covered upt o $25,000 per member.
Emergency Quarantine Indemnity for Covid-19 is available with this plan with $50 a day for up to 10 days.

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance

Choose a travel health insurance with pre-existing conditions coverage..
Review the policy carefully to understand what is covered and what is not.
Be aware of any waiting period for coverage of pre-existing conditions.
Consider buying a visitors travel insurance policy with higher coverage limits.
Keep a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Be well informed about accessing emergency medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude 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 have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.
The renewability of the policy and its implication for pre-existing condition coverage.

Pre-existing conditions coverage - FAQ's

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.

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

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.

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines 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.

WorldTrips’s Atlas America and Atlas Premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor Secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

Chronic condition or congenital condition.
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.

WorldTrips: Senior Citizen Insurance Plans

Compare and buy USA visitors insurance for seniors over 70

What does visitor travel insurance cover?

WorldTrips: Plans offering Older travelers plans

Atlas International

Atlas America

Atlas Premium

VisitorSecure

WorldTrips Travel Insurance - Frequently Asked Questions

Travel Insurance for travelers with Pre-Existing Conditions

Why is travel health insurance for pre-existing conditions coverage important?

How does travel insurance for acute onset of pre-existing conditions work?

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

What are the factors for visitors insurance with pre-existing conditions coverage?

Pre-existing conditions coverage - FAQ's

01. What does "acute onset of pre-existing conditions" mean?

02. Do WorldTrips travel insurance plans really cover pre-existing conditions?

03. What is the difference between Full Pre-Existing & Acute Onset Insurance?

04. How do I know if my pre-existing condition is covered by travel insurance?

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