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Co-insurance and Deductible

International travel health insurance is now an integral requirement for international travel, and given the myriad options available online it is not an easy decision.

However, it is important to take care of this before you travel as healthcare and medical help is very expensive in foreign nations and your domestic health insurance plans travel with you overseas. There are many private insurance companies who offer visitor insurance also commonly known as visitor medical insurance.

factors which determine your travel insurance costs

With so many choices of plans online, it gets a little tricky to select the right plan for your specific situation and needs. This results in questions raised about the coverage regarding benefits, the maximum covered amount, the price, type of plan, age related questions, coverage in particular area with provider network...

Given these many questions, quite often travellers want to understand specific visitor health insurance terminologies among which "Co-Insurance and Deductible" are very relevant.

Normally, there are 2 kinds of visitor medical insurance plans namely Fixed or scheduled benefits plan and Comprehensive plan, with co-insurance perhaps more relevant in comprehensive plans.

Let us first understand what Deductible means. Deductible is the amount that the insured pays before the insurance company pays for any medical expense. This amount can be chosen by traveller while buying the plan. The Deductible value is inversely proportional to the premium price of the plan. Both Fixed and Comprehensive plans have a deductible applicable on them. This amount can vary from $0 to $2,500 in each plan. It is up to the insured to choose their deductible amount on the plan the same way they choose their policy maximum amount.

Coming to the Co-insurance, this is the percentage amount that the person pays after the deductible for any medical expense incurred. This is applicable only for Comprehensive plans even though it is applicable only for the first $5,000 of expense after which the insurance company pays 100% after the deductible is met. Fixed plans do not have Co-insurance.

Co-insurance percentage varies from one plan to other. Some plans waive the co-insurance when the insured goes to a doctor within the PPO network. Some plans reduce the percentage for expense within the PPO network. This knowledge of these two health care terms help in making an informed decision while selecting a suitable plan for ones needs.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Guide to buying the best international travel health insurance
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Travel insurance glossary

Commonly used international travel medical insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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General - FAQ's

01. What are the benefits of travel insurance?

Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared.

By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.

02. What travel insurance covers the USA?

US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. International travel insurance provides coverage for unexpected medical emergencies during the travel period.

Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US. American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.

03.Can a non-US citizen get medical insurance?

Yes, if the traveler is a non US citizen and needs medical insurance it can be purchased. The US travel insurance cover can provide the traveler with the medical coverage required.

How much does Visitor health Insurance USA cost?

The cost of best travel insurance for visitors to USA varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, type of health insurance usa for foreigners (Fixed vs comprehensive travel insurance), and the cost of travel insurance for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. The cost of US travel insurance for visitors can start from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

Average cost for travel insurance in USA

  • Patriot America Lite

    • Ideal for Non US citizens outside their home country.
    • $10,000 coverage per certificate period for travelers aged 80 years and above.
    • Available for US citizens living outside USA but visiting the US.
    • Patriot America Lite visitor visa insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    Estimate Plan Cost
    Price range $95 - $177
    Coverage range $50,000 - $1,000,000
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    Patriot America Plus

    • Insurance Coverage for non-U.S. residents traveling to the USA.
    • Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
    • Coverage for acute onset of pre-existing conditions up to policy maximum for travelers under 70 years.
    • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
    Estimate Plan Cost
    Price range $96 - $177
    Coverage range $50,000 - $1,000,000
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    Patriot America Platinum

    • Ideal for US citizens and Non US citizens.
    • $20,000 coverage per certificate period.
    • Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
    • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.
    Estimate Plan Cost
    Price range $215 - $362
    Coverage range $2,000,000 - $8,000,000
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    Visitors Protect

    • The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
    • The plan offers temporary medical coverage with pre-existing conditions up to 99 years.
    • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues.
    • Minimum purchase is 90 days.
    Estimate Plan Cost
    Price range $25 - $54
    Coverage range $50,000 - $2,50,000
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    Visitors Care

    • Ideal for US citizens and Non US citizens $20,000 coverage per certificate period Covers pre-existing conditions up to $2,500.
    • Add on option - Covers Stroke or Myocardial Infarction (Heart Attack).
    • It is a medical insurance useful for Non-US citizens travelling outside their home country.
    • This plan can be purchased for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
    Estimate Plan Cost
    Price range $24 - $52
    Coverage range $25,000 - $1,00,000
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  • Safe Travels USA - Cost Saver

    • Foreign residents visiting US and worldwide are eligible to purchase this plan.
    • Coverage may be extended, at the rates in force at the time of extension, for up to 364 days.
    • Safe Travels USA Cost Saver plan does not cover Covid related illnesses.
    • The policy provides policy maximum options starting from $50,000 and provides coverage for $100,000, $250,000, $500,000, and $1,000,000
    Estimate Plan Cost
    Price range $81 - $134
    Coverage range $50,000 - $1,000,000
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    Safe Travels USA

    • Safe Travels USA plan wide range of policy maximum options starting from $50,000 and goes up as high as $1,000,000.
    • Deductible options start from $0 and goes on as $50, $100, $250, $500, $1000, $2500 and $5000.
    • Acute onset of pre existing condition or unexpected recurrence of the condition is covered for $1,000.
    Estimate Plan Cost
    Price range $91 - $167
    Coverage range $50,000 - $1,000,000
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    Safe Travels USA Comprehensive

    • The policy provides maximum options starting from $50,000 and options of $100,000, $250,000, $500,000 up to $1,000,000.
    • This travel insurance plan is available for Non-US citizens traveling to the USA and worldwide and is available for travelers up to 89 years of age.
    • Deductible options available on the plan are $0, $100, $250, $500, $1000, $2500, and $5000.
    Estimate Plan Cost
    Price range $92 - $167
    Coverage range $50,000 - $1,000,000
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    Safe Travels Elite

    • Available for Non US citizens coming to the US and worldwide.
    • This travel insurance plan is eligible for people from 14 days to 69 years of age to purchase.
    • Visitors insurance plan is renewable up to 24 months and has a maximum lifetime of 364 days.
    Estimate Plan Cost
    Price range $21 - $66
    Coverage range $25,000 - $175,000
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  • Atlas America

    • Available to both Non-US citizens and US citizens traveling outside their home country.
    • Deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
    • Eligible for coverage of acute onset of pre-existing conditions if you are younger than 80. This includes a $25,000 lifetime maximum for emergency medical evacuation.
    Estimate Plan Cost
    Price range $116 - $234
    Coverage range $50,000 - $2,000,000
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    Atlas Premium

    • Plan is ideal for family, tourists, business persons, vacationers and adventure travelers.
    • Provides coverage up to $250,000 for 70 to 79 year old travelers.
    • Deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period.
    • Trip Interruption coverage available for up to $15,000 not subject to deductible.
    Estimate Plan Cost
    Price range $196 - $329
    Coverage range $50,000 - $2,000,000
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    VisitorSecure

    • Available for people traveling to the US and abroad.
    • Visitor Secure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
    • Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
    • Emergency medical evacuation available for up to $50,000 lifetime maximum for age below 70.
    Estimate Plan Cost
    Price range $44 - $80
    Coverage range $50,000 - $130,000
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  • Travel Medical Basic

    • Available to the individuals traveling outside their home country.
    • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
    • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000.
    Estimate Plan Cost
    Price range $99 - $172
    Coverage range $50,000 - $1,000,000
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    Travel Medical Choice

    • Available for Non US residents and citizens traveling to the US or to other countries.
    • The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.
    • The policy has a medical maximum options available $50,000, $100,000, $500,000 and $1000,000 for ages 14 days to 69 years.
    • Deductible options are $0,$100,$250,$500,$1000,$5000.
    Estimate Plan Cost
    Price range $136 - $249
    Coverage range $50,000 - $1,000,000
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    Travel Medical USA Visitor Basic

    • Available for Non US citizens coming to the US.
    • Provides a policy maximum of up to $150,000 for people below 70 years and for people above 70 years up to the age of 99 this policy can provide a policy maximum of up to $100,000
    • Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $50,000 coverage and people above 70 years get $25,000 coverage for this benefit.
    Estimate Plan Cost
    Price range $54 - $67
    Coverage range $50,000 - $150,000
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    Travel Medical USA Visitor Choice

    • Available also for Non US citizens coming to the US.
    • Provides a policy maximum of up to $150,000 for people below 70 years and for people above 70 years up to the age of 99 years this policy can provide a policy maximum of up to $100,000
    • Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $75,000 coverage and people above 70 years get $25,000 coverage for this benefit.
    Estimate Plan Cost
    Price range $81 - $98
    Coverage range $50,000 - $150,000
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  • Diplomat America

    • Available for Non Us citizens and Non US residents visiting the US.
    • plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.
    • Plan is not available for citizens of Australia and Iran.
    • plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible.
    Estimate Plan Cost
    Price range $155 - $266
    Coverage range $50,000 - $1,000,000
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  • WorldMed

    • Available for people traveling outside their home country and is available to both US and Non US citizens.
    • Worldmed Inbound plan has a overall policy maximum of $500,000, $1,000,000 and $2,000,000.
    • Deductible options are $0, $250, $500, $1000 and $2500.
    • Accidental Death and Dismemberment coverage is available for $50,000.
    Estimate Plan Cost
    Price range $199 - $225
    Coverage range $500,000 - $2,000,000
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    Visit USA

    • Available to Non-U.S. residents while visiting the U.S.
    • Coverage is available for the main insured party and spouse, unmarried adult dependent children, or for children traveling alone.
    • The policy maximum for accident and sickness medical coverage limits with Plan A is $50,000. For people above 80, the policy maximum is $20,000.
    • The deductible options in Plan A and Plan B are $0, $50, $100 or $250 per incident.
    Estimate Plan Cost
    Price range $49 - $187
    Coverage range $50,000 - $250,000
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  • INF Traveler USA

    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico.
    • This plan is not available to US residents and is only available to non-US residents.
    • Sickness & Accident Plan with 80% in network coinsurance.
    • Minimum purchase of 30 days is required for this plan.
    Estimate Plan Cost
    Price range $183 - $203
    Coverage range $150,000 - $300,000
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    INF Safe Traveler USA 90

    • Covers 90% of elgibile medical expenses.
    • Minimum purchase of 30 days is required for this plan.
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico.
    • This plan is not available to US residents and is only available to non-US residents.
    Estimate Plan Cost
    Price range $210 - $234
    Coverage range $150,000 - $3,000,000
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    INF Elite

    • Available for Non-US Citizens.
    • Coverage for Pre-Existing Conditions to $1,000,000.
    • Minimum purchase of 90 days required to buy this plan.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    Estimate Plan Cost
    Price range $652 - $748
    Coverage range $150,000 - $1,000,000
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    INF Premier

    • Available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
    • Coverage for Pre-Existing Conditions to $1,000,000.
    • Acute Onset treated like New Sickness.
    • Covers age up to 99 Years.
    Estimate Plan Cost
    Price range $285 - $485
    Coverage range $100,000 - $1,000,000
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    INF Premier Plus

    • Available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • plan provides 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.
    Estimate Plan Cost
    Price range $1026
    Coverage range $3,000,000
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    INF Elite 90

    • plan is available for Non-US Citizens.
    • Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    • Stable pre-existing conditions are covered as new sickness.
    Estimate Plan Cost
    Price range $752 - $865
    Coverage range $150,000 - $1,000,000
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    INF Elite plus

    • Available to US residents and is only available to non-US residents.
    • Acute onset is considered new sickness. 90% of eligible medical expenses.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    • Stable pre-existing conditions are covered as new sickness.
    Estimate Plan Cost
    Price range $1387 - $1550
    Coverage range $150,000 - $300,000
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    INF Standard

    • Available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • This is a fixed plan and is not available to US residents and is only available to non-US residents.
    • Plan has a minimum purchase requirement of 30 days.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    Estimate Plan Cost
    Price range $210 - $234
    Coverage range $50,000 - $150,000
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Different types of US Visitors travel insurance

Visitors Medical insurance in USA

Fixed Benefit vs Comprehensive plans

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

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Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

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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 onset of pre-existing conditions up to 70 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
  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.
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Resourceful travel medical insurance information

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Factors for travel insurance

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Important factors to consider while deciding on the best travel medical insurance.

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Types of visitor insurance

Types of travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.

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Claims Procedure

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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More international travel insurance categories

 

Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance
 
 

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance
 

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