Here at American Visitor Insurance we are always striving to get you the best pre-existing conditions coverage options possible for your travels or for your visitors! We recently added a new policy to our line up and we'd like to introduce you to it! We have teamed up with Trawick International to offer a new array of traveler and student plans.
One of their policies we find quite note-worthy since it offers the highest coverage for pre-existing conditions that we have found for persons over 70 years of age. Their policy called, Safe Travels USA Comprehensive, is for non-US citizens visiting the United States. It boasts maximums of $50,000, $100,000, $250,000, $500,000, and $1 million dollars.
For persons under 70, coverage for acute onset of pre-existing conditions will go up to the maximum of the plan. For persons 70 and over, they are limited to purchase only a $50,000 maximum plan, and the coverage for pre-existing conditions is reduced to $25,000. However, this is the highest we have available for non-US citizens.
We are proud and excited to offer this option since we know there are many clients concerned about pre-existing conditions while in the US and we can now offer a significant benefit for this age group (up to age 89). The US is known for it's expensive healthcare system for visitors. The cost of routine physician visit is very expensive in the US.
The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018.
Therefore it is very important to make sure that our US Travel health insurance is taken care of to make us feel safe and secured in a new unknown place. Some visitor insurance plans from INF cover these pre-existing medical ailments. If you have questions or concerns, please contact our friendly agents who can step you through the process and help you find the right plan for you and your visitors!
We have US visa medical insurance plans from other reputed insurance companies offering pre-existing conditions visitors medical insurance coverage to older travelers as follows:
Safe Travels USA Comprehensive: This plan provides coverage for acute onset of pre existing conditions for people up to the age of 89. However the coverage reduces for people above age 65.
For people up to age 65 the plan covers up to policy maximum for acute onset of pre-existing condition and pays $25,000 for cardiac related conditions. For above 65, the coverage is reduced to $25,000 and $15,000 for cardiac related conditions.
As ever, we wish you safe and happy travels!
Travelling during covid pandemic is very risky, especially so for travelers who are senior citizens .The new variants Delta Plus and AY.4.2 is considered to be highly infectious and is affecting vaccinated person as well. However CDC has advised that all adults should get vaccinated as soon as possible as a preventive measure for COVID-19 While CDC advises to avoid all non -essential travel to be safe, sometimes in many unavoidable situations it is difficult to prevent travel.
The US authorities have announced that effective November 8th 2021, fully vaccinated international travelers will be allowed by air and land to the US. Travelers need to produce a poof of vaccination and proof of a negative Covid19 test report taken 72 hours prior to boarding the US flight. Along with preventive measures, a good travel medical insurance will certainly help in stress free travel for older adults.
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If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes â€“ INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes â€“ INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insuredâ€™s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
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 pre-existing condition health insurance for USA options to identify what fits your needs best.
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.
For seniors above the age of 70, many plans provide a lower policy maximum with a couple of plans providing a policy maximum of $100,000 and $50,000. Seniors visiting the US who are Non US citizens above 70 can purchase Atlas America, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Liaison Travel Plus.
Seniors above 80 and Non US citizens coming to the US can purchase Safe Travels USA Comprehensive, Safe Travels USA, Safe Travels USA Cost Saver
Travel insurance starts costing higher with age and is noticeable after the age of 65. Most of the plans start limiting coverage for acute onset of pre-existing condition after this age. Some plans continue to provide good amount of benefits up to age of 79. Very few plans pay flexible benefits up to age 89.
However, the policy maximum on the plans get limited to $10,000 or $20,000 with most of the plans. Few of them provide up to $50,000 and very few provide $100,000 as the policy maximum.
There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.
These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
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. Click here to Read 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.
Travel insurance plans usually cover unexpected or sudden sickness or injuries. Pre-existing condition is a condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Some international travel insurance plans offer coverage for acute onset of pre-existing conditions. Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately.
It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
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While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. The new Omicron and Delta Plus variants are considered to be particularly infectious even more than the previous variants and hence it is of vital importance that older travelers have good travel health insurance. 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 â€śfilterâ€ť 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.
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