To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitors travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury.
We come across many travelers especially older travelers, who along with visitor insurance are suffering from common existing medical ailments. In other words they need international travel medical coverage for acute onset of an pre-existing medical condition. Obviously, this condition is of higher concern while traveling to a foreign country.
Visitor health insurance plans only cover the acute onset or sudden recurrence of pre-existing condition and not any kind of routine check-up or any prescription medication that is used to maintain the condition.
Not all visitor health insurance plans offer coverage for acute onset of pre-existing conditions. Some visitor health insurance plans do provide reduced coverage for pre-existing ailments and this varies with the age of the traveler.
For travelers above 70 and 80 years the coverage gets reduced or might even be excluded completely. However in the case of international students, some student medical insurance plans offer pre-existing condition coverage after a waiting period as indicated in the plan.
American Visitor Insurance has a created a quote comparison tool specifically to compare prices of visitor insurance plans that provide coverage for acute onset of pre-existing conditions.The pre-existing compare facility uses relevant customer details
such as the age of the traveler, ages of the spouse and dependents if applicable, the travel start and end date which is the insurance coverage period, the country of citizenship and the destination country (required to validate that the traveler is outside one’s home country), preferred medical maximum coverage amount, preferred deductible. These visitor medical insurance plans are further classified as either Fixed Benefit or Comprehensive based on their coverage.
Fixed Benefit visitor insurance plans provide coverage for acute onset of pre-existing conditions up to the policy maximum subject to the sub-limits for each benefit. Fixed Benefit plans provide coverage for acute onset of pre-existing conditions up to the policy maximum subject to the sub-limits for each benefit.
Only the plan offered by Trawick International - Safe Travels Elite Diamond provides any pre-existing condition coverage after the age of 70 years. This plan has reduced coverage up to the age of 89 for acute onset of pre-existing condition. It must be noted that while Fixed benefit plans are cheaper they are limited in their benefits beyond the coverage limit for every benefit.
INF Travel insurance gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. These plans cover all pre existing conditions including blood test, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. There fixed and comprehensive plan options available. However, comprehensive plans are the most recommended due to their flexibility in benefit coverage.
INF Elite plan: This is a comprehensive plan and is the plan with excellent coverage. Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
INF premier: This is a fixed benefit plan and offers excellent coverage for pre-existing conditions.Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years. For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
Comprehensive visitor insurance plans on the other hand are the most sought plans for their flexibility of benefit coverage. They cover acute onset of pre-existing condition and are flexible with their coverage. Most of these plans cover acute onset of pre-existing condition up to age of 65 or 70 with reduced coverage after 70. Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.
The available comparison of visitor medical insurance plans listing summary provides brief information on each plan along with details of the Underwriter, Coinsurance, Maximum plan period, Preferred Provider network, AM rating, Acute onset Pre-existing condition coverage availability along with the premium price for the selected policy maximum, deductible, duration and age.
The column with the price provides links to the product page of the plan details and the brochure of the plan. The customer has provision to edit the input and get a price quote for different input before deciding to buy the plan. There is a BUY button that is highlighted below the price information, for the customer to purchase the plan. The online application and the payment has to be completed using a credit card. Once the transaction is successful the policy letter and ID Card is emailed to the customer.
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The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need. "
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy.
Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Know more .
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions.
You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company.
If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor.
This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here .
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While travelling in the midst of a coronavirus pandemic,with several mutations of the coronavirus around .The new Delta and Omicron variant is considered highly infectious affecting individuals worldwide.one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.
We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.
Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.