Hi,
I have a visitor who is 87 yr old. He is coming to the Boston MA, US. Can I have suitable insurance to cover him in the US during his visit?
Thanks,
Azbel
Dear Azbel,
Thanks for contacting American Visitor Insurance with your inquiry! Here are 2 plans offered from the company INF:
1.INF Elite comprehensive plan:
The Elite plan offered by INF also has a $75,000 maximum but only covers pre-existing conditions up to $20,000. The deductible on the $75k is $250, but the deductible for pre-existing conditions is $1500. Also, this plan must be purchased for at least 3 months.
The plan costs about $988 per month with these options. The Elite plan has a fixed pre-existing condition maximum limit up to which The pre-existing condition would be covered. To get a quote and/or buy Elite plan from INF, go here:
2. INF Premier fixed plan :The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
To get a quote and/or buy Premier plan from INF, go here:
FIXED BENEFIT PLANS:
1.Inbound USA Basic plan:
Seven Corners have released 3 variants of Inbound USA plan. The Basic plan is one of them. This is a Fixed plan. This plan is available for people up to the age of 99. For people above age 70 up to 99 the policy maximum is available for $50,000, $75,000 and $100,000.
For people below age 70, $125,000 and $150,000 are the options available as policy maximum other than the options already mentioned here. Acute onset of pre existing condition coverage is available with this plan for up to $50,000 for age of up to 69 and up to $25,000 is available for the age range of 70 to 79.
2. Inbound USA Choice:
This plan is an affordable fixed plan and provides coverage for people up to the age of 99. This plan covers acute onset of pre existing conditions for $75,000 for people below the age of 69. The plan covers $25,000 for acute onset for people in the age range of 70 to 79.
1. SAFE TRAVELS USA COMPREHENSIVE(Comprehensive):
This plan is offered by Trawick International and provides a policy maximum of $50,000. For details on this plan, please visit the links below:
Our comparison tool below will show you available options for seniors 80+: Senior travel insurance for over 80.
To know the difference between fixed benefits and comprehensive plans, please have a look here: Fixed Vs Comprehensive plans.
Please let us know in case of further questions.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Dear American Visitor Insurance,
Please provide any insurance options for travel insurance for my parents (to come to the US from Canada for short trips - 2 weeks to a month). My dad is 85 and mum is 76. We're concerned about them traveling without insurance and wondered if any options exist given their age.
Thanks,
John
Dear John,
Thanks for contacting us with your inquiry for US travel insurance for your parents from Canada visiting USA!. For people above the age of 80, most of the comprehensive plans give a reduced policy maximum of around $20,000. However, there are 2 comprehensive plans that can be considered for your parent with above 80 years of age.
1. Safe Travels USA Comprehensive plan from Trawick International:
This plan provides a policy maximum of $50,000 and provides $35,000 for acute onset of pre-existing conditions and a $15,000 maximum for cardiac related conditions. Here you can find all the details on this plan:
2. INF Elite Network from INF:
This plan is a very good plan to cover pre existing conditions if any. The benefits do not change for the age range of 70 -99. SO both of your parents can buy this plan. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. They can buy one plan for both of them.
This plan provides a policy maximum of $75,000. This plan provides full pre existing condition coverage including doctor appointments, special care. A minimum purchase of 3 months is required for this plan.
Here you can find all the details of this plan:
For both your parents, here is one plan from IMG that is comprehensive and provides a higher policy maximum but does not provide sufficient coverage for pre existing conditions. Patriot Platinum:
You can get more information about travel insurance options for older travelers, as well as compare pre-existing condition visitor insurance plans for information about other plans.
Please let us know in case of further questions.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My aunt aged 89 years old is traveling to the US for a month. Please can you suggest the best visitors insurance for her along with maximum coverage available, and the availability of cover for pre-existing conditions. Please list all the available options, from the most basic to the very comprehensive visitor medical insurance plans.
Thanks,
Sunil
Dear Customer,
Here are the plans suitable for your aunt’s travel to the US.
1. Safe Travels Visitors to USA (Diamond plan):
Fixed benefits plan
This plan is available for people up to the age of 89. This is a fixed plan. The Diamond plan provides a policy maximum of $50,000 and the Diamond plus plan provides a policy maximum of $100,000.
This plan has provision for the well doctor visit where you need to pay $75/day. The plan covers acute onset of pre existing conditions. For people in the age range of 80-89, this plan provides $15,000. Please see more details in the above link. Plan costs $210.80 for 31 days for a $50,000 policy maximum plan.
2. Safe Travels USA Comprehensive:
Comprehensive benefits planx
This is a comprehensive plan from the company Trawick International. This plan provides a policy maximum of $50,000.
This plan covers the acute onset of pre existing conditions for a max of $35,000 and $15,000 for cardiac related conditions. This is for the age of 80 -89. Plan costs $620 for a policy maximum of 50,000 for 31 days of coverage.
3. Safe Travels USA:
Comprehensive benefits plan
This plan is a comprehensive plan. Recurrence of a pre existing condition is covered where the first $1000 of the covered expenses is taken care of.
This is available with a policy maximum of $50,000. Plan costs $440.82 for $50,000 policy maximum for 31 days of coverage.
4. Inbound USA:
Inbound USA plan from Seven Corners is a fixed plan that is popular among senior citizens for its coverage. Inbound USA Basic plan and Inbound USA Choice plan provide coverage for acute onset of pre existing condition up to the age 99.
They provide a policy maximum option of $50,000, $75,000 and $100,000 for people in the age range of 70 to 99. For people below this age range, they have policy maximum options up to $150,000. Inbound USA Elite plan provides coverage for acute onset of pre existing condition up to the age of 69 and no coverage is available above the age of 70.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I have a visitor who will turn 90 when he will visit me here in the US. What are the insurance plans that you can suggest for him?
I see the Inbound USA plan and want to know if this is available?
Thanks,
Jacek
Dear Jacek,
Thanks for contacting us for your older traveler US health insurance needs!
Inbound USA plan from Seven Corners is one of the popular fixed plans available for visitors and they have released 3 versions of Inbound USA plan. Two of them provide coverage for people above 70.
Inbound USA Basic plan:
This plan provides coverage for acute onset of pre existing condition up to age 99. This also has the highest policy maximum option available up to $100,000.
Inbound USA Choice:
This plan also covers acute onset of pre existing condition up to age 99 and provides highest policy maximum coverage of up to $100,000
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
I have US Medicare and am 75 years old. can you give me a quote on medical insurance that will cover me for my one month trip to New Zealand?
Thanks,
Mike
Dear Mike,
Thank you for contacting us for your Older traveler US health insurance needs! Here are suitable plans for your trip outside the US:
1. Globe hopper plan from the company International Medical Group:
You can see all the details about the plan in the above link. You can ‘buy Globe hopper Senior insurance here’.
To purchase the policy, use this link:
If you are a frequent traveller, you can ‘Buy Globehopper Senior Citizen Multi trip travel insurance’.
2. Patriot Platinum International plan from International Medical Group:
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
My parents who are in their 70’s are traveling to London for 3 weeks. They are both US citizens and have Medicare coverage here in the United States. What is the best travel insurance option for them while they are in the UK?
Thank you,
Jhon
Dear Jhon,
The GlobeHopper Senior plan offered by the International Medical Group (IMG) works very well in your parents situation. The plan offers $ 1 million coverage for travellers up to 79 years, and $100,000 cover for travellers over 80 years.
GlobeHopper senior also provides $2,500 coverage for sudden unexpected recurrence of a pre-existing condition and has a $25,000 cover for emergency medical evacuation.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
My mother and aunt are visiting US in a week and I wanted to get health insurance for them. My mother is above 70 and my aunt is 65.
I want to get the best coverage for both of them and wanted to get your suggestion on which one I should get.
Please let me know.
Thank you,
Adithya
Dear Aditya,
Thank you for contacting us for your Older traveler US health insurance needs!
Here is a plan that you can consider: Atlas Travel plan from the company WorldTrips:
This plan have upgraded to cover the acute onset of pre-existing condition up to the age of 80.You can see the details of this plan in the above link. The plan provides a policy maximum of $50,000,$100,000 and $250,000 for people even for the age above 70 and for below 70 this plan provides up to a $1,000,000 maximum coverage.
Amongst the other excellent comprehensive plans, this plan provides the best policy maximum with coverage for acute onset of pre-existing condition. Here is the BUY link for this plan: Know more
There is a new version for this plan which is similar to the Atlas travel but has higher coverage for political evacuation, trip delay and interruption. This is the Atlas Premium plan:
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I want to get a quote for how much it would be for 3 traveler's insurance from Mexico to US (Houston). Ages 96, 83, 61.
Thank you,
Estrella
Dear Stacey,
Thank you for contacting American Visitor Insurance with your inquiry!
You do have a few choices for travelers 90 years old and over. There are few comprehensive plans available for people above the age of 90 and more fixed plans available with higher policy maximum options.
To know the difference between fixed benefits and comprehensive plans, please Know more
For your visitor who is above 90, here are some comprehensive and fixed plans available:
1. INF Elite Network:
This is a comprehensive plan from INF and provides full pre existing condition coverage including doctor appointments, urgent care...This plan provides coverage up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
2. INF Premier plan:
This is a fixed plan but provides full pre existing condition coverage similar to INF Elite network plan and covers people up to the age of 99. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
3. Inbound USA Basic plan:
The Inbound USA Basic plan covers acute onset of pre existing condition up to age 99 and provides highest policy maximum of $100,000 for the age range of 70 to 99.
4. Safe Travels USA Comprehensive:
This is a comprehensive plan from the company Trawick International and is available for people up to age 89.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
My mother is 74 yrs old and I am looking for a travel insurance plan for her to travel to Japan. Can you please help me with that?
Thank you,
Yogi
Dear Yogi,
Thank you for contacting us for your Older traveler US health insurance needs!
Here are the links for the policy we spoke about over the phone:
1. ATLAS INTERNATIONAL:
In this page you can get all the information about the plan and you can also take a quote.
For 10 days trip to Japan, this plan costs $72.70 for a policy maximum of $50,000 and a deductible of $0.
This plan has a policy maximum options for both $50,000 and $100,000. This plan does NOT cover the pre-existing condition for people above 70. Outside of the US this plan will pay 100% after the deductible up to overall policy maximum.
To purchase this plan, please use the below BUY link: Buy Atlas International Insurance
2. SAFE TRAVELS INTERNATIONAL:
You can get all the information about the plan in the above link:
This plan also covers 100% after the deductible and provides good coverage for acute onset of pre-existing condition. This plan also has the option of $50,000 and $100,000 for the policy maximum.
This plan costs $94.51 for the policy maximum of $50,000.
To purchase this plan online, please use the below BUY link: Buy Safe Travels International Insurance
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My parents who are 90 and 84 years are visiting me in the US. I am having a difficult time finding any plans using your quote comparison facility. Please help.
Thank you,
Anne
ear Anne,
Thank you for visiting American Visitor Insurance for your family travel insurance needs. Given your parents age, there are limited insurance options, and you need to choose a low medical maximum to find the options for your elderly parents. The reason is that with older travelers, the maximums of policies that are available go down.
So, the first thing you must do is look up results for each person separately. If you don’t then the younger traveler ends up with the same limitations as the older one.For people above 80 and 90, the best option currently is provided by the company INF.
INF Elite network short term plan is a comprehensive plan and INF Premier short term plan is a fixed plan that provides full pre existing condition coverage up to age 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Elite Network:
INF Premier short term: The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
For the 90 yr old visitor, the highest maximum you can get is only $20,000 from the Patriot Platinum plan. It will cost about $559 with a $250 deductible for the dates of the trip. You can choose a higher deductible to reduce your premium cost. Here are the details of the Patriot Platinum plan from IMG:
For your 84 yr old traveler you can purchase up to $50,000 maximum. The best option is a comprehensive plan called Safe Travels USA Comprehensive. It will cost about $375 with a $250 deductible. Here are the details of the Safe Travels USA Comprehensive.
Inbound USA plan from Seven Corners:
Inbound USA Basic plan: This plan provides a highest policy maximum of $100,000 for people above 70 up to the age of 99. The plan covers acute onset of pre existing condition up to the age of 79 up to $25,000.
Inbound USA Choice plan: This plan provides a highest policy maximum of $100,000 for people above 70 up to the age of 99. This plan similar to the Basic plan covers acute onset of pre existing condition up to the age of 79 up to $25,000.
I hope this breakdown helps you decide on the best option for your visitors. You can make your purchase online or give us a call if you run into any issues or have additional questions.
Wishing you and yours safe and happy travels,
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am in New Zealand, which is 15-19 hours ahead, so please do not call in the middle of the night :)
I am looking at purchasing SAFE TRAVEL USA from June 11 - July 07. I am 70 years of age. Is it possible to buy more than one policy in order to increase the insurance
cover from $50k. One reads of disasters, where people are hospitalised, with bills of $550k+.
Thank you!
Ray
Dear Ray,
Thank you for contacting us for your Older traveler US health insurance needs!
1. Patriot Platinum: If you need a higher policy maximum with comprehensive plan, then here is a plan from IMG that can give a higher policy maximum of $100,000
Here are the details on the Patriot Platinum plan from IMG:
2. INF Elite network: This plan from INF is a comprehensive plan and can provide a policy maximum of $75,000. They have good coverage for pre existing conditions. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of the plan:
INF Elite Network:
3. Inbound USA Basic plan: This is a fixed plan from Seven Corners that can provide a policy maximum of as high as $100,000.
4. Inbound USA Choice plan: This is also a fixed plan from Seven Corners that has highest policy maximum option of $100,000 but the specific benefits are available for more compared to the Basic plan.
5. INF Premier plan: This is a fixed plan from INF and provides the highest policy maximum of $75,000. They provide full coverage for pre existing conditions. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of this plan:
Please look under the comprehensive plans tab in the below link for more plans in case you are interested: travel insurance over 70 years.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am interested to buy the visitor insurance for my parents but I have a few questions.
What are the restricted plans in the state of New York?
What plans pay the bill directly to the provider?
Which PPO network is good? United Health Care or First Health network?
If you can answer them that will be great!
Thank you!
Harish
Dear Harish,
Thank you for contacting us for your Older traveler US health insurance needs!
Following our conversation, I spoke to International Medical Group (IMG) insurance company regarding their plans(including Patriot plans).
Their plans do not have state restriction for the state of New York.
As I already mentioned, the Atlas plan specifies in the brochure that they do direct billing with the provider if you go to a facility within the PPO network. IMG also said that they have contract with some providers in their network where they do direct billing with them. So, you need to check that with the provider during your claim.
Regarding the First Health and the United Healthcare network, both are large networks across the country. There is not much specifically that we can differentiate about them.
Here are the details on the Patriot America Plus plan from IMG:
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My mother is visiting me for 2 weeks and coming from Spain. She is 85 years old. Please suggest medical insurance plans for her as she has high blood pressure.
Thank you!
Clara
Dear Clara,
Thank you for your email and your query over the phone. I would recommend that you use our comparison tool on our website home page for insurance for your mother at
Given your mothers' age and high blood pressure, I would select 'yes' to her having pre-existing conditions. I would choose one of the available plans based on your budget and specific coverage requirements.
Here are some good plans that cover pre existing conditions better compared to the other plans that cover pre existing conditions.
1. INF Elite network plan: This is a comprehensive plan from INF and covers pre existing conditions up to the age of 99. For people above 70, pre existing conditions are covered for up to $20,000 with a deductible of $1,500.
A policy maximum of $75,000 is available with this plan for people above 70. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Here are the details of this plan:
2. INF Premier plan: This is a fixed plan from INF that provides coverage for pre existing conditions up to $15,000 with deductible of $1000 and $20,000 with a deductible of $5000. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of this plan:
To understand the difference between the fixed benefits and comprehensive plan, please see here: Fixed vs Comprehensive.
Please call us or email us if you need specific clarification..
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
To whom can help me: I am trying to secure travel insurance for my parents aged 64 on June 23 and 70 who will be taking a cruise one way from Southampton, England to NYC from July 21-28th. Essentially I want something that will refund their tickets in case they have to reschedule.
I am currently in Germany with them and my cell doesn't cover the UK or outside the EU. Please let me know what is available as soon as possible as I would like to book their cruise.
Thank you!
Simonne
Dear Simonne,
Thank you for contacting us for your Older traveler US health insurance needs! Insurance plans start reducing their benefits after the age of 70 and above. For your parents we can recommend comprehensive plans. These plans are among those which provide good benefits even for people 70 and above.
1. INF Elite Network: This is a comprehensive plan from INF and provides coverage foe people above 70 up to the age 99. This plan provides full pre existing conditions. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are all the details:
2.Patriot Platinum plan from IMG:This plan has a policy maximum of $100,000 available for people of 70 and above. This plan also provides a maximum of $2,500 for an acute onset of pre-existing condition. To buy this plan, please visit the below BUY link :
3 Safe Travels USA Comprehensive from Trawick International. This plan provides a policy maximum of $50,000 for people above age 65. This plan provides a $25,000 for acute onset of pre-existing condition. For heart related issues, this plan provides $15,000 for acute onset of pre-existing condition. To get quote and buy this plan, please visit the below BUY link :
For refunding the trip cost in case you need to reschedule, you will have to buy a separate trip insurance. For that please look at our trip quote facility at the below link :
To see the difference between trip insurance and travel/medical insurance, please visit the below link :
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
I am planning to buy medical insurance for my parents visiting in US. Is there a combined plan or I have to buy for each individual?
Thank you!
Prathmesh
Dear Prathmesh,
You can put married couples together on a policy although each has their own deductible and maximum. However, you can also purchase separately if, for example, one person has a pre-existing medical condition and the other doesn't OR if they are from different age groups (70 year old has more limitations on their plan than a 60 yr old, so you should buy separately).
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
I am helping a friend find travel health care insurance. He is wanting to visit Canada for approximately 6 months, which is his allotted time here. He is 75 in May, He is on the usual old age blood pressure pills, asthma meds. Also meds for Alzheimer's disease. In Febuary he was hospitalized for his asthma, which had turned into bronchitis.
I would think he would not need insurance coverage for the asthma as we are not that far from a US hospital. You consider that a preexisting condition? Can you give me a quote for this & any other particulars he should know. If accepted does he pay in US currency?
Thank you!
Beverley
Dear Beverley,
Thank you for contacting us for your Older traveler US health insurance needs!
Following our conversation on phone, the plans that are suitable for your visitor who is US citizen visiting Canada are given below:
For a policy maximum of $50,000 and a deductible of $250 and for the specified time period from May 10, 2017 to Nov 1, 2017, here are the plan details and price information:
1) Travel Medical plan series: There are 2 kinds of this plan which comes as Choice and Basic. The price of these plans go high in the order given. The Choice and Basic plan covers up to $10,000 for people age 65 to 79 for acute onset of pre-existing condition. These plans cover US citizens and Non US citizens traveling outside their home country. You can buy Travel Medical plan series online.
2) DIPLOMAT AMERICA Plan A: This plan does not cover pre existing condition for the age of 75. To get quote on the buy page and purchase this plan online, please visit the below BUY link: This plan costs $1,592.80 for a period of 176 days for the all the criteria specified above.
For a policy maximum of $100,000 and a deductible of $500, here are the plan details:
3) DIPLOMAT AMERICA Plan B: This plan does not cover pre existing condition for the age of 75. To get quote on the buy page and purchase this plan online, please visit the below BUY link: This plan costs $1,937.23 for a period of 176 days for the all the criteria specified above.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
How much would be total cost for buying health insurance for couple(Senior citizen) going USA for 6 months. Please let us know
1. What is the procedure?
2. How to claim?
Thank you
Ankur
Dear Ankur,
Thank you for contacting us for your Older traveler US health insurance needs!
I tried calling the number you provided with no success. If you are looking for plan that will cover people who are over 60, you may use link below:
From here you can compare prices between insurance plans, read the brochures and buy the plan.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My in-laws have come to the Uk for visiting purposes. can they still get medical insurance from here to protect them against any emergencies. Both are over 80 with the normal health issues of this age.
Thank you
Dear Customer,
Thank you for contacting us for your Older traveler US health insurance needs!
For your in-laws visiting the UK, here are the comprehensive plans with highest policy maximum available.
These plan will cover them for new sickness and emergency while they travel outside their home country. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
This plan provides full pre existing condition coverage as well apart from covering any emergencies. This plan provides a policy maximum of $75,000.
2. Inbound USA Basic plan:
This plan provides a policy maximum of $100,000. This plan provides coverage for acute onset of pre existing conditions.
3. Diplomat International plan:
The first option is the Diplomat International by Global Underwriters. Below you can find the details, brochure of the plan and purchase the plan:
4. Patriot Platinum Insurance plan:
The second option is the Patriot Platinum by IMG:
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
What happens after 70 years of age. And the quotes are in US dollars?
Noah
Dear Noah,
All quotes on our website are in US dollars. I'm not sure which plan you are looking at. At 70 years of age, most plans only offer $50,000 maximum coverage which is reduced further at 80 yrs of age. Also, for some plans, the "acute onset of pre-existing condition" coverage is no longer valid once a person is 70 years old.
One little trick is that if you purchase a plan while you are 69, you get to pay the 69 rate for the whole time (even if you hit your birthday); but the "acute onset" benefit does go away on your birthday.
However, next time you purchase it, the price and maximum options will reflect a new price and limitations.
If you have more specific questions I was not able to decipher, please email us back.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
My father is a Pakistani citizen. He is coming to UK AS A VISITOR. He is 84 years old. He is coming to visit UK for 3 MONTHS. Can you please quote me how much it costs to cover him for TRAVEL HEALTH INSURANCE. I am his son living in UK. And I will pay you in STERLING. Plz ring me to provide me a quote.
Thank you
Hamid
Dear Hamid,
Thanks for contacting American Visitor Insurance with your inquiry!
Here are the comprehensive and the fixed plans that provide the highest maximum coverage for people above 80 years of age.
To know the difference between fixed benefits and comprehensive plans, please refer to Fixed vs Comprehensive.
We usually recommend comprehensive plans over the fixed option, but for this age group the cost and low maximums do not seem to justify the very high price. All the policies below require a US address which can be a hotel where you are staying during your trip or a relative's home.
Also note that with a fixed benefit plan, the higher the maximum of the plan, the higher the amount that will be paid for each medical expense, so it is worthwhile to consider the higher options since they are still a tremendous savings over the comprehensive plans.
This plan provides a policy maximum of $75,000 for the age range of 70 to 99. This plan provides coverage for full pre existing conditions. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. This is a comprehensive plan. Here are the details:
This plan provides a max of $75000 coverage for your visitor above 80. This is a fixed plan and provides coverage for acute onset of pre existing conditions.
Our comparison tool below will show you available options for seniors 80+:
Visitors Insurance for 80+ travelers
When you are ready, you can use the links above to make your purchase. You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day.
Once you make your purchase, you will get a policy or certificate number. To see more options for the 80+ visitor, use our special website here. You can click on "Fixed Plans" or "Comprehensive Plans" to compare what the prices and coverage available:
Please let us know if we can help you any further. We wish you safe and happy travels!
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am trying to arrange insurance for my 84 year old father who will be travelling with me to the USA in July 2016, for 2 weeks. He had a coronary bypass about 4 years ago and has had no further problems with his heart. Are you able to provide cover for him?
Thanks,
Maxine
Dear Maxine,
Thank you for contacting us for your Older traveler US health insurance needs! For people above 80 years of age, we have few fixed For people above 80 years of age, we have few fixed plans which offer maximum coverage starting from $50,000 to $100,000.
INF Elite Network:
This is a comprehensive plan with full pre existing condition coverage available up to the age 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the product link for more details:
INF Premier plan:
This is a fixed plan and covers full pre existing condition up to age 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see below for more details:
Inbound USA Basic plan:
This is a fixed plan and provides coverage for acute onset of pre existing conditions.
If you are interested in other fixed plans with higher policy maximum, please visit the below link and have a look at the plans:
Popular plans for travelers over 80 years
Please let us know if we can help you any further.
Regards,
www.americanvisitorinsurance.com
>Customer care
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Hello,
I am having my parents over for a visit and they are 71 and 68 yrs old. I am looking for good health insurance plan for them for 2 months.
Are there any plans available?
Thanks,
Kumar
Dear Kumar,Thank you for contacting us for your insurance needs.
You can buy the following visitor travel insurance plans:
This is a comprehensive plan from INF and has good coverage for pre-existing conditions as well.
Inbound USA Basic plan:
This is a fixed benefits plan from Seven Corners and provides good coverage maximum up to the age of 99.
Here is the link to our product page on our site:
Plan Details
This policy is popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
To purchase the Atlas America plan, you can go directly to this site:
Buy Online
Feel free to call or email us with any questions or comments you may have.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My parents are visiting me in US from Iran. Their ages are 86 and 73. Can you recommend visitor insurance plans suitable for them. I think I have to buy 2 separate plans for them? Please advise
Thanks,
Kamran
Dear Kamrani,
Here are the visitor medical insurance for older travelers above 80:
We usually recommend comprehensive benefits visitors insurance over the fixed option, but for this age group the cost and low maximums do not seem to justify the very high price. All the policies below require a US address which can be a hotel where you are staying during your trip or a relative's home.
Also note that with a fixed benefit plan, the higher the maximum of the plan, the higher the amount that will be paid for each medical expense, so it is worthwhile to consider the higher options since they are still a tremendous savings over the comprehensive plans.
Inbound USA Basic: For your visitor who is above 80, this is the plan that provides a $100,000 max coverage.
Inbound USA Choice:
This is a fixed plan and covers full pre existing condition up to age 99. Please see below for more details:
Our comparison tool below will show you available options for seniors 80+.
When you are ready, you can use the links above to make your purchase. You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day.
Once you make your purchase, you will get a policy or certificate number. To see more options for the 80+ visitor, use our special website here. You can click on "Fixed Plans" or "Comprehensive Plans" to compare what the prices and coverage available.
For people above 70, below are the options available
For this age group, the options are limited, so we have put this detailed email together for you. The only plan which offers coverage at the $100,000 coverage is the Patriot Platinum. It is an excellent high end plan which also covers up to $2,500 for acute onset of any pre-existing condition with an additional $25,000 for emergency medical evacuation for the pre-existing condition.You can use these links to view details:
You can also buy the Patriot Platinum Insurance plan online by perusing the Patriot Platinum insurance brochure. Please let us know if we can help you with any queries regarding Patriot Platinum Insurance plan details.
Most plans available offer coverage up to $50,000 maximum for the travelers between 70 and 79 years of age. You can use our general search engine to view these options, however do note that if you choose a very high maximum (over $100,000), there won't be any options displayed, because high coverage are not available for this age group.
Also, if you are also purchasing for another individual who is under 70, you should consider purchasing separate policies AND putting their information into the compare engine separately so that you get the most options for the younger traveler. Enter the traveler's age, travel dates and other information to get a free comparison of travel medical insurance quotes using: Compare tool.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
I am 26 year old visitor visiting US on visitor visa. Are there any good comprehensive I am trying to buy an insurance for my grandmother who is 73 years old and is travelling from Colombia to USA from july 6 2015 until july 21 2015 . Do you have any suggestions?
Thanks,
Lilian
Dear Lilian,
Here are some options for visitors above the age of 70.
INF Elite Network:
This is a comprehensive plan from INF and provides the full pre-existing condition for people above 70. This provides the policy maximum of $75,000 for people in the age range of 70 to 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Here are the plan details:
Inbound USA Basic:
This is a fixed plan from Seven Corners and provides a good policy maximum for people above 70. This plan also covers acute onset of pre-existing conditions.
Safe Travels USA Comprehensive:
This is a comprehensive plan from Trawick International that provides a policy maximum of $50,000.
The Visitors care policy by IMG
is affordable and makes it a popular choice short term medical insurance for visitors to USAThis is a fixed benefits policy which has a set amount that it will pay for each medical expense (see brochure for details). The higher the maximum, the higher the amount paid, so I recommend getting the $100,000 maximum.
It also has a heart care rider which will pay up to $2,500 in the event of a heart attack or stroke. The price with the rider is $142 and without is $110 for the $100k maximum with a $100 deductible. The price for the policy with a $50,000 maximum with the rider is $60 or $46 without the rider with a $50,000 maximum.
you can get all details about Visitors Care insurance policy and buy the Visitors Care insurance policy online.
Feel free to call or email us with any questions or comments you may have.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
I would like a quote about travel insurane for someone who is 83 years and is coming from Pakistan to the US.
Thanks,
Sam
Dear Sam,
I have emailed you the results of a search for plans that meet your requirements from our website. Unfortunately, the highest maximum for the 80+ traveler outside US is $20,000. Here is a link also where you can search different options for the older traveler:
Travel Health insurance options for travelers above 80 years
A fixed plan with a $10,000 maximum will cost about $157 per month. A comprehensive plan with a $10,000 or $15,000 maximum will cost about $400 per month. A comprehensive plan with a $20,000 maximum will cost about $933 per month.
Please feel free to contact us in case of any further questions
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My parents are visiting US for 23 days. My mother is 80 and my father is 78. Can you suggest a good plan for them?
Thanks,
Manisha
Dear Manisha,
Thanks for contacting us with your inquiry!
Below are the details:
Given your parents ages of 78 years and 80 years, here are the fixed plans available at $100,000 medical maximum coverage is the Inbound USA Basic offered by Seven Corners Inc.
Here are some suggestions:
For a $100,000 max coverage:
Inbound USA Basic
For your mother since she is 80 years you can purchase the Inbound USA Basic:
Inbound USA Choice:
This is similar to the Inbound USA Basic plan with some small difference in the coverage.
This is also fixed plan from Seven Corners that provides coverage for policy maximum of $100,000.
For your father given his age of 78, you can purchase INF Elite Network Comprehensive plan offered by INF.
INF Elite Network: This is comprehensive plan and provides pre-existing condition coverage up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Here are the details of the plan:
INF Elite comprehensive plan:
To know the difference between a Fixed and a Comprehensive plan, visit this link: Fixed vs Comprehensive Coverage. We hope this will help you make an informed decision.
Please feel free to contact us in case of any further questions.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am very interested in your webpages' several plans for my mother, 74 years old, this summer traveling from China to US for 6 month's visit . Could you answering my following questions:
1. This plan has a "deductible $250 per period", what's this meaning?
a) does this imply that I need to pay the first $250 each period ( monthly or 6 months??) for sickness, and then the coinsurance pays 90% of the left amount up to the first $5,000?
b) Who pays the 90% of the first $5,000? ( The plan or me?)
c) after the $5000, then plan pays 100% up to policy max $50,000. Does this include all the medical cost (Doctor visit, medical treatment, hospital, and drugs...)
Dear Amjad,
hanks for contacting us with your needs!
a) Deductible $250 per policy period: This means that for the entire policy period, you pay the amount of $250 only once regardless of the number of times you get sickness/injuries during the policy period. In your case, if you purchase insurance for 6 months, you pay this amount only the first time you incur an expense for the entire 6 months irrespective of how many times you incur expense.
b) For the coinsurance, when you incur an expense, for the first $5000 of the expense incurred, the 90% of the incurred expense is paid by the plan after deducting the deductible amount. The rest needs to be paid by you the customer.
c) Once, the incurred expense goes beyond $5000, the plan pays 100% up to $50,000. We highly recommend viewing the brochure of the policy that has the details.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
Rx. Drugs $250 per period.
a) Does this mean the plan cover $250 drug expenses for each period and the plan pay pack the customary expenses of $55 for each doctor visit?
b) how to claim back the customary expenses if the amount excesses the "deductible amount" ? since my mother does not have a bank account in US, so you will pay to my account?
c) How to claim back some customary medical expenses? by calling your 7/24 claim department (operator) or by mailing the bill or swiping your (health)card issued my mother?
d) Does "Patriot American" have such coverage?
Dear Li Rong,
T2. Some plans (say WorldTrips/ Visitor Care) cover reasonable cost, they pay $ 55 for each doctor visit and Rx. Drugs $250 per period.
a) Yes. This means that the plan will cover up to $250 for prescription drugs for the policy period. Yes, also that the $55 for doctor visit is for each doctor visit. Again we recommend to see the brochure of the policy for the number of doctor visits allowed per policy period.
b) You can fill the claim forms that is available on our website for specific Insurance companies and attach the invoices and statements and can receive the money. For precertification, which is usually needed in case of hospitalization, surgery etc. you can call the toll free number of the company given in the ID Card. These details are also available in the brochure of the policy.
c) The answer for this is same as b mentioned above.
d) Patriot America is a good plan from IMG and has all of the coverage.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Comparing to "Visitors Care" and "Inbound USA", where two plan pay 100% of covered amount after the deductible $250 and pay $55 each doctor visit.
a) What's the meaning?
b) are these two above plans "Fixed Benefits" or "Comprehensive", since the web page only shows "Fixed vs Comprehensive plans"
c) Are these two plan better than Patriot America? In Patriot America, there the plan does not pay $55 for doctor visit, and does not cover 100% of covered amount, even should be after the first $5,000
d) do you recommend me to buy "Visitor Care" or "Inbound America", or other plans.
Dear Li Rong,
a)Visitor's Care and Inbound USA do not have a co-insurance amount associated with them like Patriot America. This is because they are both scheduled or fixed benefit plans Therefore it says that the plan covers 100% after meeting the deductible amount. But this does not mean that they are better than Patriot America. We recommend Patriot America over these two policies.
b) Visitor's Care and Inbound USA are fixed or scheduled benefit policies. Patriot America is an excellent comprehensive policy.
c) Patriot America is better than the other 2 fixed benefit policies. In fixed policy the coverage amount is defined and limited. For instance, if you incur an expense of $10,000 and the fixed policy limit has been set to $5000, the policy provides only the specified $5000. The fixed benefit policy does not flexibly adjust the coverage amount depending on the incurred expense.
Fixed benefit policy works fine when you incur small expenses. Comprehensive policies on the other hand provide flexible coverage up to policy max limit and is always a good option for larger expenses even though they might not cover doctor's visits. And also, most comprehensive plans have some coverage for pre existing condition.
d) If you want a cheaper plan and need limited coverage you can choose a fixed policy, otherwise we always recommend comprehensive plans.
Atlas America
is also another excellent Comprehensive plan.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
Please let me know what are the available options for travelers who are older than 80 years.
Thanks
Raffaela
Dear Raffaela,
You do have a few visitors insurance for older travelers above 80 years. There are few comprehensive plans that can provide a high policy maximum for people above 80 years of age.
The fixed benefits plans provide higher policy maximum option for people above the age of 80. We usually recommend comprehensive plans over the fixed benefits coverage option, but for this age group the cost and low maximums do not seem to justify the very high price.
Inbound USA Basic plan:
This is a fixed benefits plan that provides coverage for acute onset of pre-existing conditions up to the age of 99. Here are the details.
For your visitor who is above 80, this is the plan that provides a $100,000 max coverage. you can get the information regarding to the plan
Inbound USA Choice:
This is similar to the Basic with some differences on coverage.
The details are here:
INF Premier plan :
This is a fixed plan from INF and provides full pre existing condition coverage up to the age of 99. The details of the plan are included here:
Here are the comprehensive plans for above 80:
INF Elite Network
This provides full pre-existing condition coverage up to the age of 99. This plan provides a policy maximum of $75,000. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Safe Travels US Comprehensive:
This is a comprehensive plan from Trawick International. This plan provides a policy maximum of $50,000. Here are the details:
Our Visitors medical compare tool will show you all available options. Please select "less than $25,000" for the maximum comprehensive plans that you can get. The $50,000 to $100,000 maximum coverage will show the fixed benefit plans.
You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day. Once you make your purchase, you will get a policy or certificate number.
Let us know if we can help you any further with insurance for your visitor.
We with you all safe and happy travels!
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
My mother aged 85 years intends to visit Australia on family sponsored visa for one year. Can you provide a health cover for her.
Thank you,
Aneep Kumar Dewan
Dear Aneep,
Please could you tell us where she is traveling from (her country of residence)? We do haveinternational travel health insurance options for seniors above 80 years
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi
I am an USA citizen
My mother is coming to visit us soon.
She is 96 years old & in good health .
I will like to get coverage for her in case of any emergency.
I understand that the best one for her will be the Inbound Immigrant plan ?
She will need coverage from 12/16/2014 the 3/31/2015
Please, give me information on what definitely will be the best plan for her & what the cost will be.
Thanks
Isabel Orihuela
Dear Isabel,
Thanks for contacting American Visitor Insurance
INF Elite Network can provide a policy maximum of $75000 and Inbound USA Basic can give you a policy maximum of $100,000.
Here are the costs for the plans and the details for your reference:
INF Elite Network:
This is a comprehensive plan from INF and covers people for a maximum of $75,000 up to the age 99. This plan covers full pre-existing conditions. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.Here are the details:
Inbound USA Basic plan:
This is a fixed benefits plan from Seven Corners and provides a policy maximum of $100,000 and covers people up to the age of 99. This plan covers acute onset of pre existing condition.
Here are the details.
Please let us know in case of any further question.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hi,
Can I get insurance of USD 100,000 (Plan L) for age 81 and spouse age 79.
Thanks
Vasant
Dear Vasant,
For your visitor who is 79,the comprehensive plans provide policy maximum of $50,000 and $75,000. Here they are:
Safe Travels USA Comprehensive:
This plan pays $50,000 as the policy maximum. Here are the details:
INF Elite Network:
This is from INF and pays $75,000 as policy maximum.
Here are the details:
If you prefer a fixed benefits plan option with $100,000 max coverage for your visitor who is 79, you can choose Inbound USA Basic for them. This plan offers $100,000 coverage for all above 70. Here are the links again for your reference:
For details on this plan, please visit the this link:
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am comparing Atlas America, Atlas Premium America and Patriot Platinum America. Looking for $100,000 policy.
Question: Can you suggest is 100K policy too much or too less for 73 and 75 years of parents? What are the key difference between these three policies?
I am okay to pay max $250 deductible, if it is worth saving those few $$.
Parents' are intended to stay 6 months (175 days) but not 100% sure. What is the downside of buying 1 month policy and keep extending 1 month in a chunk? V/s buying 6 months and cancelling it, if required?
Regards,
Rajesh Chug
Dear Rajesh,
Thank you for your email. I sent you the details for three different plans for your comparison. They are all comprehensive plans with a policy max of $100,000 and $250 deductible. These are from three deterrent insurance companies. Both Atlas America and Diplomat Long Term do not cover pre-existing condition. While Patriot Platinum covers pre-existing condition up to $2,500.
One of the advantages for Atlas America is the co-insurance. As long as they go within the PPO network co-insurance will be waived. Diplomat and Platinum have a co insurance of 20% and 10% of the first $50,000 respectively.
These plans are renewable. Please refer to the brochures of the plans for renewal requirements. There may be a small renewal fee when you renew the plan each time. So, it is better to buy the plan for the required entire time period.
And as far as the policy maximum is concern, I would say $100,000 for 6 months is more that enough.
If you wish to search for plans at a $50,000 level, you may use this link:
Visitors Medical Compare
Hope this answer your questions. If you have any more questions in mind, feel free to email us.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Hello,
I am looking for maximum coverage for my mother (89 years old, perfect health record proven with medical reports), an Israeli citizen living in Israel and she will visit me from 5/4-7/12/16. It looks that the maximum coverage is $75,000 with INBOUND IMMIGRANT.
My wish will be to get a higher coverage, can you suggests anything? Also about purchasing 2 different policies I was thinking that if I have a primary one and a secondary one which let's the max coverage for the first is $75,000 and the second is $50,000 then hypothetically if I have an incident for which the cost can add up to more than $75,000 I can kick the secondary one to complete the rest of the amount. Your thoughts will be appreciated.
Thanks,
Hedy Iancu
Dear Hedy Iancu ,
Thank you for contacting us for your US visitor travel health insurance needs for traveler of 89 years from Israel !
I've been reading up on this issue of two policies. Of course, you cannot do more than one policy with a company, but if you have policies from two different companies, they should dove-tail together. They will fight about who is "primary", etc. because they will both say that they are secondary (but she will have no other insurance, so...).
Since the policies are fixed ones, it will not work as simply as you suggest in your email ($75,000 max and a $50,000 max). However, if one covers $3,350 for a surgery, and the other $2,000, then together, you WILL get $5,350 for that surgery. So, in that sense I think it will work as you suggest.
Just be sure that are from different companies (we offer several policies which are slightly different from the same company (Inbound Immigrant and Inbound USA)).
Here is one plan that you can try that gives more coverage than $75,000 as maximum coverage.
Inbound USA Basic:
This plan covers up to age 99 and provides policy maximum of $100,000 and covers acute onset of pre-existing conditions up to the age of 99. Here are the details:
Again, good luck to you and we hope your visitor has a safe and healthy stay!
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers
Hospitals and Urgent care – the Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.
Prescriptions– The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.
Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.
American visitor insurance works hard to offer travelers some of the best visitor health insurance options for senior citizens. Buying visitors insurance is easy at American Visitor Insurance and travelers can compare several plans both for prices and benefits according to their requirements.
The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give a call or email and one of our customer support licensed agents will be able to help further.
There are some USA Covid travel medical insurance for old age plans that cover covid19 as a new illness. Senior citizen travel health insurance can be compared for Covid travel insurance with coronavirus coverage and bought online.
These US covid travel insurance plans are available for senior citizens traveling to the US, US senior citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the ttravel insurance for seniors visiting usa before departing.
The claim will be invalid if the traveler attempts to buy the travel insurance and file a claim for an ailment after it occurred during the travel.
All travel health insurance policies are priced by age and the number of days needed, so your age does determine your cost. The price difference between 69 and 70 IS a big jump. If you are traveling at age 69 and will turn 70 during your trip you get to pay the whole time like a 69 yr old (a real bargain).
However, some coverages which end at age 70 (like some pre-existing medical condition coverage) will end on your birthday. At American Visitor Insurance, we offer many policies for people 70+ and are adding policies all the time to improve our offering to our traveling seniors!
It depends on the company and the type of policy you are looking for. Many policies do not have a cut off age, but some do. Also, the main difference for older travelers is that the maximum of the policy available goes down with higher age.
You may only find options in the $50,000 maximum or less, but you may still find something suitable for your situation.
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
The best US visitors insurance with pre-existing conditions coverage is listed here :
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Factors for Travel Insurance
Important factors to consider while deciding on the best travel medical insurance.
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Types of Visitor Insurance
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
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Travel Claims Procedure
Travel medical insurance online claims process for getting medical care in a hospital.
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Covid travel insurance - Know more
