Eligibility for buying visitor health insurance, Can I buy travel insurance after arrival

Compare and buy US travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date
*Travelers who are already in the US will need approval from INF insurance provider before buying it. Customers who wish to purchase any of the INF plan after arrival in the USA must complete this approval request form mail INF with relevant information such as date of arrival, name of the plan wanted and a statement stating that the person is not currently sick and needing immediate healthcare. On completing this form, we will get back to you on the approval request soon.

Testimonials - From Our Customers

Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was looking for.
Know more »

Moshe

I am pleased to say that your company is very professional in the field of Insurance.
Know more »

Ethan

Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company.
Know more »

Cinnia

visiting usa

Can I buy travel insurance after arrival in the USA?

After a long period of closing border to international travelers, the United States has again opened its borders after the Covid19 pandemic. There are now no Covid related restrictions, be it the Covid test or proof of Covid vaccination.

One of the more crucial requirements for international travel is visitor medical insurance since medical expenses in a foreign country can be crippling in countries like the US where cost of healthcare is very expensive.

Having sufficient and best international travel insurance makes your international travel an enjoyable experience taking care of your hard earned money in the event of any unexpected injury or sickness.

While buying travel insurance USA for travelling to USA it is important to understand visitors insurance purchase process, that it has to be bought before arriving in the foreign country. There are many insurance companies who have excellent plans for covering unexpected sickness and injury but they stress that the customers purchase the policy before they arrive in their international destination.

Buying US visa medical insurance early is important to ensure that the travel health insurance is used legitimately for incidents that occur after the insurance has been purchased as opposed to buying travel insurance after one has a specific need of a medical treatment. However there are legitimate instances where travellers are compelled to buy the travel insurance after reaching the destination country. Some of these reasons include the inability to renew an existing travel insurance plan purchased from their home country, or students who finish their school work and are not eligible to buy student insurance, but need health coverage for the Optional Practical Training (OPT) status. It is very important to understand that even without an eligibility timeframe, you cannot buy the insurance after having an medical ailment which needs treatment. Any existing medical ailment before you buy the insurance will be considered as a pre-existing condition, and the coverage will be considered under the Pre-existing condition visitor insurance coverage criterion.

Different insurance providers have different eligibility time limits after reaching the destination country for travellers to buy their travel insurance products. Listed below are the criteria for some popular insurance providers.

The International Medical Group (IMG) offers popular fixed and comprehensive visitor insurance plans for all budgets. They have an eligibility criteria which is inbuilt in their online application. Customers will not be allowed to buy their plan once they have exceeded the eligibility time frame of being in the destination country.

Some of the other companies that do not have arrival time restriction in the US are highlighted below:
WorldTrips travel insurance does not have any eligibility time limits to buy their visitor travel insurance plans.

Trawick International is another company that has plans for visitors and they do not have any arrival time restrictions as well. Their comprehensive plans have very good coverage for acute onset of pre-existing condition for even people who are above 70 which makes these plans unique from other comprehensive plans.

Travel Insurance Services has excellent comprehensive plans for Green Card holders and visitors. Their Visit USA Healthcare plan has good sports coverage as well. Their student plans are quite popular as well for their benefits. The plans from this company have a unique advantage where they do not have state restriction in the US where, purchasing of plans while located physically in some states is prohibited although the coverage is still available when purchased in a different unrestricted state in the US.

Global Underwriters is another popular provider and their Diplomat America plan is suitable for visitors as well as US citizens visiting US for brief time. They provide a year coverage with the plan for US citizens visiting US.

Different types of US Visitors insurance

Fixed Benefit US visitor insurance

A fixed benefit or scheduled benefits US travel health 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 plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive US visitor insurance

Comprehensive US travel medical insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are so limits for each benefit. It is much more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Factors that determine the cost of US travel insurance plans

Age of the traveler

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.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Duration of travel insurance for USA

The longer the duration of visitor insurance for US required, the higher will be the cost.

Know more





  • Policy Maximum#1
  • Deductible#2
  • Available for green card holders.
  • Key Features:  This plan provides accident and sickness medical coverage with Acute onset of pre-existing conditions coverage up to 69 years.
  • Policy Maximum#1
  • Deductible#2
  • Pre-existing Coverage
  • Key Features: Great coverage for a great price.
  • Policy Maximum#1
  • Deductible#2
  • Best for travelers expecting first-class medical coverage
  • Key Features Covers Acute onset of pre-existing conditions coverage up to 70 years.
  • Policy Maximum#1
  • Deductible#2
  • Covers Acute onset of pre-existing conditions.
  • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US

INF Standard

PER MONTH

by INF inf logo
  • Policy Maximum#1
  • Deductible#2
  • Fixed benefit plan for parents visiting the USA
  • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan for new sicknesses & accidents.
  • Policy Maximum#1
  • Deductible#2
  • Covers Acute on set of pre-existing conditions.
  • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
  • Policy Maximum#1
  • Deductible#2
  • Available for green card holders.
  • Key Features: Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage.Cheap US visitor medical insurance plan.

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

Resourceful visitors medical insurance information

visitors insurance
Visitors travel insurance for medical emergency outside home country. Know more
Home-dollar
Understanding different types of travel health insurance plans. Know more
Grenada
Important factors while deciding on the best travel insurance for USA.Know more
US Flag
Travel insurance online claim process for getting medical care in hospital.Know more
agreement

Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

Best health insurance for tourist in USA, Best travel insurance for USA

Which is the best visitors travel insurance in USA?

Best health insurance for visitors to USA - Comprehensive plans
  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers acute onset of pre-existing conditions up to policy maximum.
  • It offers coverage for visitors up to 89 years.
  • Atlas America Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Available for US citizens visiting USA
  • Travel Medical Choice Covid insurance offers coverage for coronavirus sickness
  • Covers treatment of acute onset of pre-existing conditions (up to 79 years)
  • Diplomat America Covid insurance offers coverage for coronavirus sickness
  • Available for US citizens visiting USA
  • Visit USA Covid insurance offers coverage for coronavirus sickness
  • Visit USA travel insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA
Best travel insurance for USA – Fixed benefit plans
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
  • Plan can be renewed up to 2 year.
  • Offers coverage for acute onset of pre-existing conditions up to 79 years.
  • Renewable up to 364 days

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance with pre-existing conditions coverage.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of look back period for coverage of pre-existing conditions.
  4. Consider buying an US travel health insurance plan with higher medical coverage.
  5. Keep a copy of your medical records and list of medications when you travel.
  6. Take your Doctor's prescription and medications during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US traveler insurance provider immediately in case of a medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a 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 an 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. This 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 which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

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.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

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

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

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

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

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.

02. What does full coverage for Pre-Existing Conditions mean?

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.

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

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.

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

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.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

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.

06. Do INF travel insurance plans really cover all pre-existing conditions?

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 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa 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 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.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

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 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Travel Insurance - FAQ's

01. Is there any pre-existing exclusions for INF plans?

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnoea.

02. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

03. Can I purchase INF travel insurance plans if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note: Hop Travel Assist plans are not available if visitors are already in abroad

04. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 plans that travel insurance with pre existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

05. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers best health insurance for visitors to USA with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

06. What is the INF insurance cost for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

07. What are the different types of INF insurance for visitors to the USA?

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

08. What is the difference between the three INF Elite insurance plans?

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

09. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

10. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

11. For which countries can I buy INF visitor insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

12. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

13. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

14. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

15. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

16. Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.

17. Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.

15. WIs visitor insurance the same as travel insurance?

Yes, visitors insurance is the same of travel insurance. However there are several types of travel insurance one can purchase for a trip. Some policies are long-term and meant for a frequent international traveler who wants to choose where they get their medical care (global medical plans). Some are annual travel insurance that require a home plan that will cover for medical expenses while away from home for short (generally under 45 days) trips (annual multi-trip plans). There are trip cancellation plans that allow you to insure the value of your trip should you not be able to take your trip as well as cover your unexpected medical expenses should you go on your trip (trip plans) which are available from US companies for US residents only. And, finally, there are single trip travel insurance which do not insure your trip, but cover you medically while on your trip and are usually completely refundable if you cancel your trip (travel insurance).

16. How much is visitor insurance in USA?

The cost of the travel insurance for US visitors is based on the age of the insured, the maximum of the policy, the deductible on the policy, and the number of days of the trip. With visitor insurance, you can choose a fixed or a comprehensive plan. A fixed or limited benefit plan is generally much cheaper than a comprehensive plan because the plan has limits on what it pays out for each medical expense. The comprehensive plan is more expensive because it offers more complete coverage of medical expenses to the medical maximum.

17. What happens if a tourist gets sick in USA?

Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance plan for the duration of their stay.

18. What is Visitor Insurance USA?

Visitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.

19. How long before you travel can you get insurance?

If you are buying travel health insurance where the focus is on the health of the traveler and not on the trip expenses, then buying the travel insurance just before you start the journey will suffice. If you trying to buy the insurance after your travel, please contact American Visitor Insurance at 877-340-7910 and talk to a licensed agent about your options.

If you are buying trip cancellation insurance, where you are insuring your trip expenses, then the answer regarding when you buy insurance, is "as soon as possible", so that you can get the expenses refunded if you cancel your trip for a insured reason. Ideally, it is good to buy insurance 21 days prior to the trip which gives some additional coverage for trip cancellation plans.

20. Can I buy travel insurance after departure?

If you are buying travel insurance to insure the health of the traveler and not on the trip expenses, please contact American Visitor Insurance at 877-340-7910 and talk to a licensed agent about your options to buy insurance after your departure.

21. Can I get travel insurance before booking a flight?

You can buy coverage before you book the flight, however it is good to wait until the flight is booked and the seat is reserved on the plane. This way we know the ticket price and we can make sure that the travel insurance will cover the full cost of the trip in case we need to file a claim later. The more information you have about the trip and estimated expenses, it is easier to buy coverage that suits your needs.

22. Is flight insurance and travel insurance the same?

Flight Insurance is a type of travel insurance policy where it covers some of the things a travel insurance covers although they are not the same and they cover different aspects of the trip:

  • Flight Insurance: Flight insurance, also known as flight cancellation insurance or flight protection plan, specifically covers the cost of your flight in case it is canceled, delayed, or interrupted. This type of insurance focuses on the risks associated with your flights, such as airline bankruptcies, severe weather conditions, or personal emergencies that may prevent you from traveling. Flight insurance typically reimburses you for the cost of your flight tickets or provides alternative transportation arrangements.
  • Travel Insurance: Travel insurance on the other hand, is a broader type of insurance that covers various aspects of your trip beyond just flights. It typically includes coverage for trip cancellation or interruption, medical expenses, emergency medical evacuation, lost baggage, travel delays, and other potential risks you may encounter while traveling. Travel insurance offers more comprehensive protection and can be tailored to fit your specific travel needs.
23. Does flight ticket include travel insurance?

In general, the flight ticket does not include travel insurance in it. The purchase of the flight ticket, you are paying solely for the transportation service provided by the airline. But you will have the option to add the insurance to your ticket with additional cost which you will have to opt for while purchasing the flight ticket.

There will be an option to add the insurance during the booking process at an extra cost for the insurance apart from the premium that is paid for the insurance. It is important to understand and carefully read the policy terms and conditions in order to see what it covers, exclusions, limitations. You can buy Travel insurance on American Visitor Insurance by comparing the best US travel insurance plans and selecting what works best for your needs.

24. What information is required to purchase a visitors or travel insurance policy?

To purchase a travel insurance policy, you will typically need to provide the following information:

  • Personal Information: This includes your full name, date of birth, gender, and contact details (address, email, phone number).
  • Trip Details: You will need to provide information about your trip, such as the destination(s), travel dates (departure and return), duration of the trip, and the purpose of your travel (e.g., vacation, business).
  • Number of Travelers: You will need to specify the number of travelers you want to include in the insurance policy. This includes providing the personal information of all individuals who will be covered by the policy.
  • Pre-Existing Medical Conditions: You will need to opt in or out for coverage of pre-existing conditions by looking carefully into the benefits of the plan to see how much is covered under this benefit and up to what age limit.
  • Beneficiary Information: Depending on the insurance plan and policy, you may be asked to provide a beneficiary in case of Accidental death and dismemberment.
  • Coverage Options: While choosing the coverage options, you can pick the policy maximum and deductible options on the application form. To decide on a plan, you need to look at the coverage options for emergency coverage, coverage for unexpected sickness and injury, trip interruption benefits...

Most of the insurance policies can be purchased online at American Visitor Insurance. Filling out an online application with all the information mentioned above and making the transaction online is the common process of purchasing the travel insurance. After the transaction is complete the customer will receive a confirmation email with the policy details attached with the email.

USA visa health insurance, Visitor visa health insurance USA


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!