Covers hospital medical expenses for sickness or accidents during travel.
Covers Doctor visits in case of sudden injury or sickness.
Expenses from Doctor prescribed eligible pharmacy drugs.
Some plans cover acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility if needed.
Repatriation of remains expenses to home country in case of death.
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Enjoy your golden years by keeping active and visiting other countries! There are different options available for you from several companies.
Fixed benefit optionsFixed benefit options are from Seven Corners in the form of their Inbound USA Basic and Inbound USA Choice policies. Inbound USA Basic and Inbound USA Choice has a $50k max limit. Inbound USA Basic and Inbound USA Choice have a $100 and $200 deductible per injury/illness. You may choose to increase the maximum limit for the Inbound USA Basic and Inbound USA Choice plans to $75k and $100k respectively. Safe Travels Elite Diamond offers $50,000 annual policy maximum coverage for travelers up to 89 years. This plan offers coverage for pre-existing conditions and treatment for Cardiac conditions.
Comprehensive optionsThere are two companies who offer comprehensive coverage to this age group. One is the Diplomat America or Diplomat LongTerm policy underwritten by AIG. The max coverage is for $20,000 with a $250 deductible. Diplomat LongTerm must be purchased for at least 3 months. Premiums will be $500+ per month. Liaison Travel Elite is the other option and it is offered by Seven Corners. The maximum for this policy is $20,000 and you can choose a deductible from $0 to $2500. Safe travels USA, Safe Travels USA Comprehensive plans are available for travelers up to the age of 89 years and offer a maximum coverage of $50,000. Safe travels USA comprehensive plan offers $25,000 coverage for acute onset of pre-existing conditions and $15,000 coverage for traeatment of Cardiac condition.
Click here to find difference between fixed and comprehensive benefit plansFixed benefit options
Travelers in this age group still have quite a few options available to them. Fixed benefit options are: Visitor Secure Plan A/B, Visitors Care, Inbound USA Basic and Inbound USA Choice. Premiums for $50k (some at $75k or $100k) and $200 deductible are around $100 per month. A $100 deductible is available on some plans. Visitors Care is available with a $100,000 maximum which is the highest value available to this age group. If you are interested in lower maximum coverage, Visitors Care is available at $25,000. Safe travels for visitors to USA Diamond plan offers maximum coverage of $50,000 for travelers aged between 70 to 79 years.
Comprehensive policies available are: Atlas America (unfortunately you are not eligible for coverage of acute onset of pre-existing conditions at this age level), Patriot America, Liaison Travel Basic, Liaison Choice, Visit USA Health Care, and Diplomat America. Premiums are around $250 per month. Safe travels USA, Safe Travels USA Comprehensive plans offer a maximum coverage of $50,000. Safe travels USA comprehensive plan offers $25,000 coverage for acute onset of pre-existing conditions and $15,000 coverage for traeatment of Cardiac condition.
Click here to find difference between fixed and comprehensive benefit plansTravelers aged 60 to 69 years have the same policies available as listed for travelers in their seventies; however, they are available at a much wider range of options. Maximum coverage can vary from $25,000 to $130,000 and deductibles can range from $0 to $200 for fixed policies.
Comprehensive optionsComprehensive policies can range from $50k to $1 million in maximum coverage and deductibles from $0 to $2500. Premiums for this group with $50k max coverage and $100 deductible (fixed) or $250 deductible (comprehensive) are well below $100 for fixed policies and around $150 for comprehensive policies. Premiums will be greater for greater maximum coverage and lower deductibles.
Click here to find difference between fixed and comprehensive benefit plansFor travelers aged 50 to 59 years The same full range of options are available for this age group with the same ranges in maximum coverage and deductibles. However, more policies offer $1 million maximum coverage for this age group than the previous group. Comprehensive policies still cost about double that of fixed benefit policies. The range of cost for a $50k max coverage and $100 (fixed) or $250 (comprehensive) deductible is around $50 for a fixed and $100 for a comprehensive policy per month.
Travelers in their forties enjoy a full range of fixed and comprehensive policy options. Comprehensive policies can range up to $1 million. The range of cost for a $50k max coverage and $100 (fixed) or $250 (comprehensive) deductible is around $35 for a fixed and $70 for a comprehensive policy per month.
For travelers in their 30's Travelers aged 30 to 39 years continue to enjoy a full range of fixed and comprehensive policy options. Comprehensive policies can range up to $1 million. The lowest of cost for a $50k max coverage and $100 (fixed) or $250 (comprehensive) deductible is around $33 for a fixed and $55 for a comprehensive policy per month. At this age range and younger, it may make the most sense economically to choose the comprehensive plan for its better coverage and relatively low cost.
For travelers in their 20's and younger At this age group, the comprehensive policies and fixed policies are fairly closely priced, so clients should consider comprehensive plans since they offer much more complete coverage. Don't forget that full time students can qualify for lower cost student insurance products which offer better coverage in many situations and often lower coinsurance rates if the student uses university health center resources.
Be aware that travelers may often get hazardous sports riders for policies which will cover them should they intend to engage in such activities (please note that otherwise insurance companies will NOT cover accidents incurred while doing these activities). Policies for which such riders may be purchased include Atlas Series products, Liaison Insurance products, and Patriot Insurance products to name a few.
Also, if you are purchasing insurance for two individuals who fall into two different decades, you should consider purchasing separate policies (especially if one is greater than sixty years old). If you purchase one policy, both spouses will be forced to buy a policy with the restrictions of the older person. In that case, it may make more sense to purchase separate policies and give the younger individual better coverage and more options as they might need. Also note that there is really no advantage to having one policy as opposed to two; there is no cost savings in placing two people on one policy (with the exception that minor dependents may be free on certain policies), so you can always purchase two policies in case one person wishes to return home earlier than the other and therefore you can cancel one policy and hold the other until the trip is completed.
Whatever your age, we have a plan that is right for your needs. Please call us with any questions or concerns you have (1-877-340-7910).
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments:
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.
Doctors visit:
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.
Pharmacy drugs:
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.
Surgery:
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
Medical Evacuation:
The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains:
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.
Emergency dental coverage:
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.
1. Routine check-up and preventive care: Visitor insurance plans do not cover routine check-ups, preventive care, and other non-emergency medical services.
2. Mental health and substance abuse: Some visitor insurance plans exclude coverage for mental health services and substance abuse treatment.
3. High-risk activities: Certain high-risk activities, such as extreme sports or adventure activities, may not be covered under regular visitor insurance plans. It is possible to get an add-on benefit to coverage sporting activity
4. Acts of terrorism and war: Visitor insurance plans may exclude coverage for injuries or illnesses that result from acts of terrorism or war.
5. Pre-existing conditions: Some visitor insurance plans do not cover medical expenses related to pre-existing conditions while other may provide limited coverage for pre-existing ailments.
Please use the Visitors insurance compare tool on American Visitor Insurance to review the coverage benefits as well as read the policy brochure to understand what is not covered.
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.
Complete the travel insurance quote request form by providing details of the traveller 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 needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
For Pre-existing medical conditions and covid
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 cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.
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