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US citizens visiting USA Insurance questions and answers

Diplomat America plan for US citizen in the US
questionHi there,

My daughter is US citizen and will be coming to the US to stay there for 9-10 months a year. She is a dual citizen where she is US citizen and NewZealand citizen.

I have a few questions on the INF plans and the Diplomat plan.

(a) Firstly, with the INF plans, it would seem from the plan documents that these are straight fee-for-service plans where she can go to any Doctor/hospital/pharmacist she likes with the corresponding deductibles and plan maximums prescribed. Is this correct? However, I also see on your website that INF has a PPO network, First Health, which has many providers within good distance of where my daughter will be going to College.

Does the INF Standard Plan enable her to use this network, which would obviously keep costs down, while giving her the option to go outside of the network if necessary (but unlikely)? Also, what is the coverage for prescriptions on the INF plan, it is not clear from the plan brochure.

(b) The Diplomat America plan, same questions, it seems there is a PPO network, PPO network that is available and also has lots of providers in her College’s area? Prescription coverage for Diplomat America or no?

Lastly, with both plans I notice they require a passport number upon application. As a dual citizen, do we enter her US or her New Zealand Passport information? Again, thanks for all your help.

Glenda

questionDear Glenda,

Here are the answers to your questions:

a) Yes, the INF plans have the PPO network like the First Health network and you can get covered under that PPO network with the INF plan. For the prescription coverage, it covers 80% of the network charges up to the overall policy maximum.

This means that if you have a claim expense for instance say $4000, then you can go to any provider who comes under the First health and after the deductible, 80% of the expense is covered by INF. If you selected $500 deductible, then after paying the deductible for the first time expense, out of the rest $3500, 80% will be paid by INF and 20% should be your payment.

This is the co insurance factor. This is for the comprehensive plans like the Elite and Traveler USA. If you happen to go to a provider who does not come in the network, then 60% of the claim expense will be covered by INF.

For the INF fixed plans, like the Premier and the Standard, the brochure will have the specific amount that is covered for the prescription medication.

b) Diplomat also have their PPO network, their PPO network information is here: Diplomat America PPO network.

You will have to call the number given in this pdf to find out more. Regarding the prescription medication, there is coverage for that. Please see here: Diplomat America Plan Summary.

For more details, call them at (800) 513-2981 or (513) 533-1330. As a dual citizen, US citizenship will be considered.You can enter the US passport number as she is US citizen.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello,

Which travel insurance offers coverage for Covid19 for US citizens visiting USA?

Thanks,
Susan

questionDear Susan,

Thank you for contacting American Visitor Insurance for your travel insurance needs.

Given below are details of plans that will cover US citizens who reside outside of the US while they visit the US. The plan defines "home country" as where a person has a fixed residence, not necessarily their country of citizenship.

So, as long as you intend to return to your country of residence, they will cover you. This plan must be purchased for at least 90 days and can be renewed for up to 12 months.

This plan will cost you about $340 for 3 months with a $500,000 maximum and a $250 deductible. There are other maximum/deductible options available.

To view the details of the the plan use below links:

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello,

Explain the INF Standard visitors medical insurance for Covid-19.

Thanks,
Mary

questionDear Mary,

Thank you for contacting us for Covid-19 visitor insurance. The INF Standard is an excellent fixed benefit plan that will cover new sickness and accident including COVID 19 as long as it's not pre-existing condition and you are not incubating at the time of the purchase.

Below are the details of the plan in our website, from here you can get price quote, read the details an brochure of the plan, and buy the plan.

To view the details of the the plan use below links:

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello,

Do all the Travel insurance policies cover Covid-19?

Thanks,
Grace

questionDear Grace,

Thank you for contacting us for your US citizen travel insurance for visiting USA. Yes, US citizens residing outside the US can purchase the INF plans for their visit to the US.

Here is the link of the INF: Compare INF travel insurance for US citizens visiting USA.
From here you can get price quote, compare between plans and buy a plan.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello,

I am a US citizen living and working in Egypt. My wife and new born daughter (who are German citizens) will be travelling with me for a month vacation to the US this summer. How can I get an insurance plan that covers all of us during our stay in the US?

Thanks,
Eric

questionDear Eric,

Thank you for contacting us for your insurance needs. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. Recently, this company made changes to their plans which allow US citizens who reside abroad to purchase these plans for short trips back home to the US.

This company has another version of the policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. This is Patriot America Plus and in all the other ways this plan is like Patriot America.

To get a quote and/or buy Patriot America Plus insurance:

To get a quote and/or buy Patriot America insurance:

Here is another plan that can be purchased by US citizens coming to the US:

INF Elite network :
This is a comprehensive plan from INF and provides coverage for people up to the age of 99. This plan provides full pre existing condition coverage which is unique feature of this plan.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHi,

I am an American citizen and just moved to Nicaragua a month ago and planning to go back to USA for 3 weeks on JULY 02 . If I buy a worldwide health insurance would I be covered for this trip to USA ( 10 weeks after flying to Nicaragua to reside there).

Thanks,
Irma

questionDear Irma,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.Most companies will not allow US citizens (even dual citizens) to purchase Travel insurance for trip back to the US. IMG just recently changed their eligibility to allow this.

The company is IMG and they offer two products for travel into the US: Patriot America and Patriot America Plus. The Patriot America Plus plan is the same as the Patriot America plan, but it adds coverage for "acute onset" of pre-existing medical conditions for persons under 70 years of age. If there are not pre-existing conditions of concern, then purchase the Patriot America plan since it is cheaper than the Plus plan.

To get a quote and/or buy Patriot America insurance:

To search for providers in their PPO network.

If you are interested in good coverage for pre existing conditions, then here is a plan that provides coverage for full pre existing condition.

This is a comprehensive plan and provides pre existing coverage for people above the age of 70 up to the age of 99. Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionDear American Visitor Insurance,

I am a US Citizen living in India and now planning to visit USA. My age is 59 years. I see the following in your program details: Unique Benefits • For those under 65 years of age and visiting the US initial period of coverage must begin within 6 months of arrival and for those above 65 it must begin within 30 days of arrival. Question: Applicability of the above in my case, is I want the insurance to start on May 25, 2019?.

Thanks,
Sham

questionDear Shamprasad,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Most companies will not allow US citizens (even dual citizens) to purchase Travel insurance for trip back to the US. However, IMG offer two products for travel into the US: Patriot America and Patriot America Plus The Patriot America Plus plan is the same as the Patriot America plan, but it adds coverage for "acute onset" of pre-existing medical conditions for persons under 70 years of age. If there are not pre-existing conditions of concern, then purchase the Patriot America plan since it is cheaper than the Plus plan.:

To get a quote and/or buy Patriot America Plus insurance:

To search for providers in their PPO network. After your purchase, you will receive your documents right away. Just download and print your ID card and you are set to go.

There is another comprehensive plan from INF which is available for both US and Non US citizens visiting the US.

This plan has excellent coverage for pre existing conditions. Please see the above link for more details.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionDear American Visitor Insurance,

I have a 19 year old son, who resides with me in Spain. DANIEL is American, so he does not need a visa. From August 2019 to July 2020 it is planned that I studied at Manhattan College in NY. The College requires us medical insurance coverage without exclusions, or lack of deadlines for pre-existing diseases for the entire school year (August-2019 / July 2020), because although Daniel is in very good health, is Diabetic from 14 years of age (Melitin type 1).

What would be the most appropriate plan for Daniel's circumstances?

Marta,

questionDear Marta,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.Unfortunately we do not have anything that will fit what you are needing for your son while he is at Manhattan College.However, since he is a US citizen, he can apply for domestic coverage (so called, Obama Care plans) offered by private companies which you can compare from New York's insurance marketplace.

Ordinarily, you have to wait until what is called "open enrollment" periods (starting in November for plans to start the first of the year).However, his arrival into the US (whenever that will be) will constitute a "qualifying event" which will allow him to sign onto a plan mid-year.He will have a limited time in which to sign up, but domestic plans all have to meet the requirements you describe.

The other option is that the College may offer a plan for their students.This should meet all their requirements.Either of these options are not inexpensive, but they will be what he will need during his time at Manhattan College.

The visitor plans we offer (some of which can be purchased by US citizens for short term coverage while in the US will not cover pre-existing conditions and are only for sudden illness or accident (so there are many exclusions).Good luck with your preparations for what looks like a great opportunity for your son.Do let us know if you have further questions and we can help as bestwe can.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHi,

I am interested in obtaining health insurance through your company.I am a US citizen, currently living in Australia until the 30th of November.I will be travelling to Africa (South Africa, primarily) aswell as Europe and the US from 1 December 2018 until around 15 July 2019.Could you please recommend the best policy for me?

My trip will be beginning from Australia.I have seen some providers require a trip to start domestically within the US and just want to be sure this wouldn't be the case. Could you kindly confirm?

Cheers,
Michael

questionDear Michael,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!.You will have to buy 2 separate plans. One plan will cover you worldwide excluding US and the other plan for coverage within the US.

For traveling outside of the US to any other country like Europe and Africa, you can use one of these 2 plans which has world wide coverage.

Another version of this plan :Atlas Premium:
Atlas Premium insurance Plan Details Brochure Buy Online

For coverage within the US , during your stay in the US, you can buy this plan: Patriot America or Patriot America Plus:

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello!

I would like to purchase Travel Medical Insurance for my father who is a US citizen, resides out of US but traveling to US for holiday. Your website states I can put US address but when I am filling the form online, It does not give me the option to add USA as the country.

Please advise,
Alpana Jogia

questionDear Alpana,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Here are the links for the policy we spoke about over the phone: Here is the link on our website for the US citizens visiting the US.

Please scroll down to see the suitable plans and see the information for INF Advantage Plan . Here is the buy link for the INF Advantage Plan for your reference.

The Advantage Plan covers 80% of all eligible medical expenses. Advantage provides the highest amount of acute on-set pre-existing coverage on the market. This plan protects for any new sickness or accident

Other option for US citizens who want coverage for pre-exiting conditions is Patriot America Plus from International Medical Group. The Patriot America Plus plan is particularly good for persons under 70 years of age with pre-existing medical conditions that could become an unexpected emergency during their travels.

This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan.However, for persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello!

My name is Muhaddisa Ali and I am a 16 year old US Citizen. I live in Pakistan and will be visiting the US from 22nd June to 14th August. I am going to be attending a 6-week summer Pre-College Program at Rhode Island School of Design.

Firstly, I don't fully understand how the Insurance Plans work. I would appreciate if you could brief me on that. I have questions like, How does a deductible work? Are there specific requirements for universities? What will be covered? etc.

Secondly, I would appreciate help in choosing a plan that works best for me and my needs.

Since I am budget oriented, I would like to be as conservative with my costs as possible for this short trip.

Thank you
Muhaddisa

questionDear Muhaddisa,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Given below are details of plans thatwill cover US citizens who reside outside of the US while they visit the US.

These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship.So, as long as you intend to return to your country of residence, they will cover you.

Here is the plan that is available for US citizens coming to the US for short term. Universities sometimes ask for specific benefit coverage. That is something that you might want to check with your university.

INF Advantage

The Advantage Plan covers 80% of all eligible medical expenses. Advantage provides the highest amount of acute on-set pre-existing coverage on the market. This plan protects for any new sickness or accident

Regarding how these policies work:

You can buy them online and you will receive a confirmation email with the ID card and policy details attached. You can use them for your future use.

The deductible is the initial amount that you will be paying in case you incur claim expense after which the company will pay the remaining expense.

There is a 20% co insurance amount that is applicable after the deductible amount for the first $5000 of the expense after which the insurance company will pay 100%.

The other option is Patriot America insurance from International Medical Group. The policy maximum range from $50,000 to $1 million. The traveler must have resided outside US continuously for the past 6 months and must have a current health plan in force.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHi,

My fiance and I are traveling to the US for two week in January. I am a US citizen and he is a foreign national with a visitor visa. We are looking at travel insurance plans for the time we are in the States, but are having trouble because I am a US citizen traveling to the US.

We have also found out the we are expecting, which has also hindered finding appropriate travel coverage.

We have looked into your plan and understand the terms. It seems to be linked to the ACA, but not entirely PPACA approved. Despite being a US citizen, do I still qualify to for this travel insurance?

Thank you and we hope to hear from you soon.

Sincerely,
Joyce

questionDear Joyce,

Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance needs!. Here at American Visitor Insurance, we pride ourselves on getting you the best plan for your particular situation.

Unfortunately, none of the plans that will cover US citizens in the US have any coverage for maternity expenses. While the Atlas plan would cover only complications, it is not available for US citizens while in the US. You can, of course, purchase Atlas for your fiancee (you dont need to purchase the same plan), but obviously the maternity coverage is irrelevent in his case. Do let us know if we can assist you further. We are happy to assist you with your purchase or answer remaining questions you may have. We wish you safe and happy travels!

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHi,

I am an American citizen living in Australia.

I will be travelling in the US for about 1 month and need to get insurance that I can use while I am home for both emergency cover and a few Doctors appointments. I am wondering which plan would be best for this. Are these plans for only emergency medical coverage or do they also cover the general check-ups?

Thanks, Christine

questionDear Christine,

Thank you for contacting American Visitor Insurance for your travel insurance needs.

Given below are details of plans that will cover US citizens who reside outside of the US while they visit the US. These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship.

So, as long as you intend to return to your country of residence, they will cover you. Here are the 2 options. These insurance plans cover the new unexpected sickness and injury both emergency and non-emergency medical coverage as long as it has not existed before but they do not cover the general check-ups.

INF Advantage from the company INF: The Advantage Plan covers 80% of all eligible medical expenses. Advantage provides the highest amount of acute on-set pre-existing coverage on the market. This plan protects for any new sickness or accident

Patriot America Plus from International Medical Group: This plan is ideal for travelers who want coverage for pre-existing conditions. This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan.

For persons over 70 or without such pre-existing medical conditions, the Patriot Americaplan has a greater option of maximums with better pricing.

Please let us know if we can help you any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910
questionHello,

I am looking at the insurance that I can buy for multiple trips from Canada to US. I am a US citizen currently in Canada. I am 71 and I need information on the pricing of the plans. Are they monthly payment plans? In this page /insurance/annual-multitrip.asp, is the price the correct price? Can you let me know if this is the right plan for me?

Thanks,
Cheryl

questionDear Cheryl,

Thank you for contacting us at American Visitor Insurance for your US visitor medical Insurance needs!
You are right! The price information is right. It is the same price for people through age 75. You can also check the Patriot Multi Trip travel insurance brochure for more information.

Please have a look at the rates in page 6.

and yes, the trip duration is calculated for 30 days per trip OR 45 days per trip.

You can buy the Patriot Multi trip insurance plan here. Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877)-340-7910

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Frequently asked questions

What is the best health insurance for visitors to USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ...

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

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