Visitor insurance final expense insurance forum

Hi,

I have a Patriot platinum travel insurance policy for my trip back to the USA on 11/26. It was purchased on 10/23/20. I have read conflicting info re whether Covid-19 is covered- one document sent to me said if USA is in alert level 4, it is not covered but then your website says that it is. I want to be sure about the coverage before I go to the USA.

Thank you,
Cara Hafner

Dear Cara,

Thank you for contacting us at American Visitor Insurance with your inquiry!

The Patriot Platinum America insurance covers Covid-19 in the US for the people visiting the US. For coverage outside of the US, the plan does not cover the Covid testing and related treatment. The request for testing should be from a doctor or medical practitioner to get the coverage.It will not be covered if it is requested by any country/airline.

For all details on the policy please use below links.

Please let us know if you need anything in further.

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

Hi,

I am traveling to Vegas for one week and I am interested in the Covid coverage, and at the disclaimer: it says that if you are at the incubation period etc. so how do you decide about the incubation period?

Thank you,
Edna

Dear Edna,

Thank you for contacting us at American Visitor Insurance with your inquiry!

The best thing you can do is document (write down) on a calendar for two weeks prior to your departure where you are, where you go, if you wear a mask, etc. If you can show that the most likely place you were infected was the airport or airplane after the start of your policy, then the illness should be covered (especially if there is no or low infection rate at your country of origin). Something in writing will be good to have just in case. This is the best anyone can do.

If you are ill before your plan starts, then the company will NOT cover it, so the more evidence you have to show that, the better you will be in the event you do get ill within the first 14 days of arrival.

I hope that helps answer your question.

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

Hi,

I will be visiting the United States soon, what visitor insurance plan do you have which covers Covid19 as well ?

Thank you,
Cecilia

Dear Cecilia,

Thank you for contacting us at American Visitor Insurance with your inquiry!

Currently these plans are providing coverage for Covid-19 for people who are visiting US and living in the US.

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

Hi,

I am a professional golfer from Canada planning on entering the United States in the upcoming days to play tournaments. I have been recommended this insurance company from a close friend. I have looked at the quotes, but my question is if there will still be coverage during the Covid-19.I want to make sure that when I purchase insurance coverage, that I'm being given full coverage of everything during these times.

Thank you,
Marc

Dear Marc,

There are a few companies that offer US visitor insurance with coverage for Covid-19. Note that you will not be covered for any injury sustained while playing golf, however.

I would suggest the Safe Travels USA plan for you, For all details on the policy please use below links.

Please let us know if you need anything in further

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

Hi,

Is Coronavirus covered by Visitors insurance?

Thank you,
Sam

Dear Sam,

Companies offering Visitors medical insurance coverage for coronavirus are:

Please let us know if you need anything in further

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

Hi,

Please find the below details for your reference and let me know the list of plans you have

1. Traveler’s age:  Adult: 40;   Child : 2 years 6 months
2. Maximum coverage requested: $100000
3. Deductible: 0
4. Type of coverage (Fixed versus Comprehensive): Fixed

Thank you,
Satish

Dear Satish,

If you opt for a fixed policy, then here is a plan from the company Trawick International that is a good plan:

Safe Travels Elite: You can purchase the Gold plan that provides a policy maximum of $100,000.
This plan has a deductible option of $0. This plan also covers a wellness doctor visit for one time where coverage is available for $75. This benefit can be utilized within the 21 days after the plan becomes effective.

You can find more details about this plan in the above page.

Please let us know if you need anything in further

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

Hi,

I am interested in buying the Atlas plan for my wife and child . But I wonder if I can give the mailing address of Washington.

On the other hand, the Patriot America Plus plan has a very high co pay of $250. Can you please clarify?

Thank you,
Rajesh

Dear Swathi and Rajesh,

You will not be able to buy Atlas plan if you give the mailing address of Washington. If you can give another mailing address, then you can buy the plan.On the other hand, here are the details of Patriot America Plus plan which is equally good as Atlas.This plan does not have co pay as we talked over the phone.

Only $25 copay is applicable for urgent care and if the $0 deductible is selected then you do not have to pay this co pay as well.

Walk in clinic there is a $15 co pay which is reasonable.

You can find the details of the Patriot America Plus in the below links:

Please let us know if you need anything in further

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

Hi,

Can I buy visitors traveler insurance for the person who has already arrived to USA ?

Thank you,
Zack

Dear Zack,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Yes! You can purchase a policy for someone already in the US. Of course, we suggest you purchase from the day they leave until the day they return home to be fully covered for any medical situation that should arise on their trip. If you purchase it later, of course, it will only cover future medical conditions. If your traveler is already sick, this illness will not be covered by the insurance you purchase.

Hopefully this is not the situation. The form when you make your purchase may be slightly awkward since it assumes the visitor has not left their home country. If the form does not allow you to put a past date for "date of departure" from home country, use tomorrow as the soonest date.

The soonest you can start a policy is tomorrow. Please let us know if we can help you in any further.

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

Dear American Visitor Insurance,

I have my parents who are 78 and 73 years and are visiting the United States from the UK next month. Please suggest the best visitor medical insurance options for them.

Thank you,
Tony

Dear Tony,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. We are always striving to provide the best and most options for international travelers. There is now a plan called Atlas Premium America which can be purchased by persons younger than 80 for $50,000 $100,000 or $250,000 maximum and it offers $100,000 coverage (or maximum of the plan, whichever is lowest) for coverage of "acute onset" of pre-existing conditions. (At age 80, the maximum of the plan goes down to only $20,000). This plan cannot be purchased from Canada, Australia and some US states (MD, WA, NY).

Another great option is from Trawick International. Their Safe Travels USA Comprehensive plan can be purchased for either $50,000 or $100,000 for persons up to 80 years ($50,000 for 80 to 89 years) and it has a coverage for "acute onset" of pre-existing conditions of up to $25,000 (up to $35,000 for the $100k max plan) for ages over 69 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. The policy is available from any state in the US or can be purchased from abroad.

Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!

We wish you and yours safe and happy travels!

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

Hi,

My family from Bangladesh are planning to travel to America and South East Asia for a total period of no more than 60 days around 12th Aug 2018. My wife is a house wife 48 years old and my Three sons are 18, 17 and 12 years old. All of them are in good health . I like you to quote a Premium for Travel and comprehensive Medical cover excluding Dental during their travel. Please communicate with me by email only, as I may not answer the mobile device. Please send me this enquiry by email for my file purposes.

Thank you,
Mohammed

Dear Mohammed,

Dear Mohammed, Here at American Visitor Insurance, we pride ourselves on getting you the best plan for your particular situation. The Liaison Travel Series is available for all who travel outside their home country. The company offers three levels of the plan: Economy, Choice, and Elite with improved benefits for each. All plans are comprehensive and economical for their coverage. You will get a table comparing each plan in the "buy" link and you will get to choose your maximum and deductible after you choose which tier of plan you want to purchase.

Do let us know if we can assist you further.

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

Hi,

I am resident of Washington State, trying to buy visitor medical insurance (Atlas Travel Insurance) for my mother she is in India. She is planning to visit USA in August for 2 months. In the form it said "This insurance is not available if individual is residing in US". My mother is not residing in US but I am who is buying insurance for her. I assume it is covered individual should not be in Washington which is true in this case. Please confirm I am ok to buy this insurance for mother who is currently in India.

Thank you,
Mohan

Dear Mohan,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The Atlas plan cannot be purchased if you are giving Washington address as the mailing address. Here is another comprehensive plan from Trawick International that you can consider for your mother. Safe Travel USA Comprehensive plan: It is unique in offering coverage for "acute onset" of pre-existing conditions for up to $25,000 for persons over 70 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years.
To purchase the policy, use these links:

Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you! We wish you and yours safe and happy travels!

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

Hello,

I am a US citizen living in Canada for 7 months. You had mentioned Geo Blue and IMG. However I have Parkinson's disease and need insurance to cover that. Do they cover that. Also, I have a question regarding renewal of the plan. If I buy insurance for some time and then need to renew, is there a new deductible amount that I need to meet?

Thank you,
Ben

Dear Ben,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Here are the details about what we spoke about over the phone: I am sorry, I do not have good news as far as coverage for Parkinson’s disease. Neither GeoBlue or International Medical Group will provide coverage for Parkinson’s disease. I also asked them that if you were eligible to any coverage which was not related to your condition but the answer was the same, that they would not cover it.

We are sorry for not being able to provide a better response.

To answer your question regarding the deductible while renewing the plan, IMG responded by saying it was one time deductible and is not considered again while renewing.

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

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

Hello,

I need health insurance for my child who is 9.5 years old. I plan to travel to the US this summer and will be seeking medical treatment with a paediatric endocrinologist. Could you suggest what plans would be right for me?

Thanks!
Stacey

Dear Stacey,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Please note that these insurance plans provide coverage only for the acute onset of pre-existing condition. If your child has any condition that has already been diagnosed, these plans do not cover any routine maintenance for the condition including medications.

Here is a visitor insurance plan that you can buy for your son.

You can find all the information about the plan in the above link.

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

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

Hello,

I’m visiting the US for 6 months, I want to buy visitor medical insurance, please can you help me in getting quotes for insurance plans and how much it would cost?

Thanks,
Kim

Dear Kim,

Before you get quotes for the insurance plans, there are some important aspects of insurance that determine the coverage and cost of an insurance plan which are as follows:

• Visitor insurance is broadly classified as Fixed and Comprehensive plans.Fixed benefit or Scheduled benefits offer limited coverage and have specific benefit limits on medical expenses.These plans are cheaper compared to comprehensive plans which do not have specific limits and cover expenses up to the plan maximum. Review the differences between fixed and comprehensive plans to know more.
• The next factor is the plan maximum, this is maximum coverage that a plan will offer to pay your medical expenses. Higher the plan maximum, higher will be the premium.
• Deductible is amount you need to pay first before the plan starts to pay. Higher the deductible, lesser the premium.
• Coinsurance is the percentage of amount the plan will pay after the deductible and the remaining you will have to pay. Only a few plans give you the options to choose the coinsurance.
• Your age, travel dates will also affect the premium of the plan. Older travellers have to pay more and the coverage may be limited.
• Some other important factors like special coverage for pre-existing ailments, maternity, adventure sports… also affect the price of the insurance.
• If you need extra coverage you may have to pay more. For some plans these extra benefits are optional and may be expensive than the ones that do not offer these benefits.

You can review more factors that determine the cost of an insurance plan here: Factors to consider

To find the best insurance plans please use our quick “find the best coverage” tool: Find the best coverage

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

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

Hello,

I have come to visit US with my wife and child and we are on B1 and B2 Visa. We have a new born baby here who is born in the US and the baby is 17 days old. We need insurance coverage for the baby until March for 2 months and then we are going back to our country. The baby is returning to the home country after 2 months.

Thanks,
Sharfu

Dear Sharfu,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Here are the links for the policy we spoke about over the phone:

Here is the plan that is suitable for your baby. This plan covers people starting from 14 days old baby.

Patriot America: plan from IMG

Be sure you put her "home" country as your foreign address to which you will be returning. You can choose from many deductible and maximum options. Enjoy the rest of your stay and have safe travels home!

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

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

Hi there,

Me and my family including my wife 30 years old and a baby 1 year old and I am 47 years old want to travel for USA and EU for visits. I need to know a decent health insurance plans. Kindly give us some best ideas I mean best plans.

What is PPO?

Thanks,
Riaz

Dear Riaz,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Since you mention both the US and EU, you will need a plan to cover you in both locations. The below mentioned plan will provide coverage worldwide including US for you and your family. Make sure that you select the option "worldwide, including US" in the buy page of this plan.

Here is a plan that you can buy for you and your family:

Atlas Travel plan: You can get all the information about this plan and to buy this plan, please use the below BUY link -

This plan has a very good US PPO as well as a good international PPO network. Look here in this link for PPO info: PPO Network

Do you need a visa letter to visit EU? You should be able to enter the EU destination where you are traveling to and here is the Schengen visa letter download link for this plan in case you need it.

Question: What is PPO?

Answer: PPO(Preferred Provider Organization) is a type of health insurance arrangement that allows the plan participants to choose doctors and hospitals.

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

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

Hi,

I'm interested in doing an internship in New York City from the UK for 3 months. I have a mental illness and am on medication what kind of insurance do I need whilst I'm there?

Thanks,
Emma

Dear Emma,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. You can purchase any visitor policy that we offer. However, no policy will cover your current medication; you should bring with you enough for your trip (I'm not sure our pharmacies will honor international prescriptions). The policies we offer are for sudden illness and/or accident while you are visiting with us.

Below is a general link to policies. The cost will depend upon your age, the maximum and deductible of the plan.

American Visitor Insurance

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

Hi,

My son is coming to visit from Canada and I want to get him insurance. I have been reading reviews and some say the insurance is not available till 72 hrs after the purchase date . I am currently looking at IMG insurance. What the the wait time for them?

Thanks,
Theresa

Dear Theresa,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. You can buy the insurance online and the plan coverage can start as early as the following day.

You can use our travel insurance comparison tool on our website and once you decide on which plan to buy, you can use the "Buy now" or the "Buy online" button which will take you to the online application for this. This application will need the first and last name of the applicant, the date of birth information, duration until when you need the plan and basic information such as email address, phone number and mailing address. You need to complete the purchase transacton online by giving the necessary information and pay through your credit card. After the successful transaction you will receive a confirmation email from the insurance company which will have the policy details and the ID card attached to it. You can download that and print that for our future use. There is no wait time for the confirmation. It is available instantaneously. Hope this helps!

We recommend the comprehensive plans from company IMG(International Medical Group travel insurance).
Here is one popular comprehensive plan that we recommend for you from IMG:

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

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

Hello,

I have a visitor who will be visiting from Philippines and she will be visiting Canada and USA. I need a health insurance plan that will cover her in both Canada and USA. Do you have plans which satisfies these requirements?

Thank you,
Joseph

Dear Joseph,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Here are the links for the policy we spoke about over the phone:

1. Safe Travels USA Comprehensive:

We have recently added this policy by Trawick International. It is unique in offering coverage for "acute onset" of pre-existing conditions for up to $25,000 for persons over 70 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years.

2. Atlas America from WorldTrips:

Below is the link to our product page on our site:

You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.

This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to the maximum of the plan for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.

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

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

Dear customer support,

Please call me. I have been trying to get a quote and Insurance..

Thank you,
Sangram

Dear Sangram,

Thank you for contacting us at American Visitor Insurance for your visitor medical 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. The coinsurance is only 10% of the first $5,000 after the deductible within the PPO network.

Feel free to call or email us with any questions or comments you may have.

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

Dear customer support,

Please call me. I have been trying to get a quote and Insurance.

Thank you,
Sangram

Dear Sangram,

Thank you for contacting American Visitor Insurance with your inquiry!

We have student plans that offer pregnancy and maternity coverage. Please refer to this link: Maternity Coverage, Latest benefits of Maternity Coverage

Please remember that there is a waiting period to cover pregnancy. Only if pregnancy occured after the plan is effective and the waiting period is satisfied, pregnancy coverage will become effective.

www.americanvisitorinsurance.com
Customer care
(877) 340 7910

Dear customer support,

I'm leaving Tennessee next week visiting Toronto, Canada for 33 days and need some type of health insurance. If I'm reading your website correct your company will cover medical issues if something happens?

Thank you,
David

Dear David,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The Patriot International by IMG is an excellent comprehensive plan for US citizen traveling outside the US.

Your online fulfillment kit will be sent to your email address electronically, just print your ID card and you are ready to go.

We wish you a safe travel!

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

Dear customer support,

I want to buy insurance for my mom who travel from Vietnam

Thank you,
Phuong

Dear Phuong,

The Visitors care policy by IMG is very affordable and makes it a hugely popular choice short term medical insurance for visitors to USA.

Feel free to call or email us with any questions or comments you may have.

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

Dear customer support,

I am looking for a basic insurance that would cover my husband in the event of an illness or accident while we are in Canada. We have air ambulance services for anywhere in the world and would just need a coverage to get him stable and onto a transport back to the states

Thank you,
Diane

Dear Diane,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Here are the 2 comprehensive plans I recommend for your husband while you travel to Canada. Both of these plans will provide him with medical coverage for new sickness and emergency, medical evacuation and among many other things.

The first option is the Patriot International by IMG. You can find the details and BUY the plan using the link below:

Buy Patriot International Plan

The second and last option is the Atlas International by WorldTrips.Atlas International Plan Details

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

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

Dear customer support,

I am a Canadian national traveling to the US. When trying to complete the application I am unable to use my Canadian address.

• Why am I unable to use my Canada address while filling the form, what is the reason for this limitation?
• Is this policy direct billing or is it reimbursement. The brochure seems to indicate that it is reimbursement, please clarify.
• What are the alternate policies for our needs?

Thank you,
Shirley

Dear Shirley,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Here are the answers to your questions:

• Issue with Canadian address while filling out the application form:
  On the first page of the application form you were asked what state in the US to which you were traveling. They want THAT address in the next part of the application and that is why Canada does not appear on that list (they know you are traveling from there, not TO there). You will be able to put in your Canadian citizenship and a Canadian billing address as needed further along in the application form.
• Reimbursement question:
  The reimbursement depends on the provider you use. If they are willing to make the phone call to the insurance company, you will be able to get direct billing and only pay your deductible and your portion to the provider and the insurance company will pay their part directly to the provider. However, if they are not willing to make the call, then you may have to pay the bill in its entirety and submit a claim for reimbursement from the company. It usually takes 10-15 business days to get a reimbursement check from them. The claims form is relatively painless and available for download on our site. It is something anyone can fill out (don't have to be a doctor with special codes or anything).
• Alternate policies:
  You can use any of the policies which come up on our search engine. Be aware that the inbound policies are fixed policies and may not cover 100% of any medical bills. Comprehensive plans offer more complete coverage, but will be more expensive. If you can dovetail this insurance with a Canadian plan, then I would feel better about going with a fixed plan.
  You can use this link: Older Traveler Plans
  Play around with the maximum of the plan to get different options and be sure you enter the time you wish to be covered for since some plans are only available for a few months time.

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

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

Hi,

My father is visiting us here in Maryland. He is 84 years old. Can I get health insurance for him?

Thanks,
Sri

Dear Sri,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Safe Travels USA Comprehensive plan from the company Trawick International is available for Non US citizens visiting the US. This plan does not have any state related restrictions. Therefore, this plan is available for the state of Maryland. This plan provides a policy maximum of $50,000 for people above the age of 65. This plan covers acute onset of preexisting conditions up to the age of 89 for a max of $35,000 and for cardiac related expenses this plan covers up to $15,000. This makes this plan more attractive and preferable amongst the others.

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

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

Hello,

I have purchased the Visitors Care plan from IMG through you previously for my parents. I wanted to purchase the same plan but I am not able to use the old links. Can you please send me some info as well as any other plans that might be useful? Please let me know if I can go to the facility near me where I am comfortable? This is important for me as we find good doctors in specific facilities.

Thanks,
Gaytri

Dear Gaytri,

Thank you for your inquiry regarding insurance for visitor between 70 and 79 years old. For this age group, some plans have come up with improvised benefits and here are the details: Safe Travels USA Comprehensive: Here is the plan from Trawick International which is a comprehensive plan and offers very good coverage for acute onset of pre-existing condition. This plan provides a policy maximum of $50,000 for people above 65 and provides $25,000 for acute onset of pre-existing condition and $15,000 for cardiac related pre-existing diseases.

Here are other 2 comprehensive plans which recently updated their benefits for the age range 70 -79 and provide excellent coverage for acute onset of pre existing conditions. Atlas America: This plan provides a policy maximum of up to $250,000 and covers acute onset of pre existing condition for people up to the age of 79 up to policy maximum or $100,000 whichever is lower.

Atlas Premium America:

This is another new version that provides similar coverage as the Atlas America plan and has higher coverage for a few other benefits like evacuation...

There are other Travel health insurance plans that have pre-existing conditions coverage available for visitors aged 70 to 79 years

Here is the link for the PPO network of IMG as per your request: Provider Network

Here you can enter your zip code and search for facilities nearby.

Below are the plans of your interest:

The only plan which offers coverage at the $100,000 coverage is the Patriot Platinum. It is an excellent high end plan which also covers up to $2,500 for acute onset of any pre-existing condition with an additional $25,000 for emergency medical evacuation for the pre-existing condition. You can use these links to view details:

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

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

Hello,

I am looking for a visitor health insurance that covers regular doctor visit and checkups like complete physical checkups. Anything available that has these provisions?

Thanks,
Shabahat

Dear Shabahat,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The insurance we sell is not for routine checkups. It covers sudden illness and accident only. If you purchase a global medical policy, after 12 months of coverage, it will cover wellness visits and will work anywhere in the world you travel.

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

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

Hi,

I am 26 year old visitor visiting US on visitor visa. Are there any good comprehensive plans available for me?

Thanks,
Arturo

Dear Arturo,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
Please find links for Atlas America below:

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

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

Hello,

My mother who is 62 is visiting me in US for 6 months. I am looking for comprehensive coverage. Can you suggest me some plans?

Thanks,
Manish

Dear Manish,

It was nice talking to you a short while ago. Thank you for calling American Visitor Insurance with your inquiry. We work with several highly rated health insurance companies to offer a wide choice of medical policies for visitors to the US. The plan cost (or premium) will depend on:

• Traveler’s age
• Maximum coverage requested
• Deductible
• Type of coverage (Fixed versus Comprehensive)

To view the plans you may be eligible for please go to our compare facility at:

Best Coverage

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Fill in the information requested, hit 'Get Quote' and you will be able to view a list of policies. Along with policy information you may also access plan brochures, compare prices and purchase a plan online.

Patriot America plan (This one will be a little more than what I quoted you, but it will include medical evacuation coverage. If you do not want medical evacuation coverage, you can choose the Patriot GoTravel plan. Use the link above and you will find it among the options.)

Patriot America Plus: This plan is similar to Patriot America except it covers acute onset of pre-existing condition up to the age of 70 which is not available in the Patriot America plan.

If you have any further questions about a plan or if you need help making a purchase online please contact us.

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

Hi,

My mother is visiting me in US. She is 48 years old. Can I buy a health insurance for her while she is here in US?

Thanks,
Rama

Dear Rama,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Atlas America is an excellent comprehensive plan that is economically priced and is popular among people visiting the US. This is also a great option because if you use in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills).

Please feel free to contact us if you have any more questions.

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

Hi,

My wife needs health insurance during her stay in Poland for 1 year. Do you have a plan for my wife?

Thanks,
Amjad

Dear Amjad,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Here is the link to our product page on our site:

You can get all information about Atlas insurance, see the brochure, and buy the policy in the website.

To buy the plan, you can use this secure link: Buy Atlas International

This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smallest) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease. The plan will satisfy Schengen visa requirements and you can print out the visa letter from their client zone about 45 minutes after your purchase.

Please let us know if we can help you further

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

Hi,

I am an Indian citizen working in US. I will be traveling to India this month. How can I buy a travel insurance?

Thanks,
Vidyadhar

Dear Vidyadhar,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

We work with several highly rated health insurance companies to offer a wide choice of medical policies for visitors to the US. The plan cost (or premium) will depend on:

1. Traveler's age
2. Maximum coverage requested
3. Deductible
4. Type of coverage (Fixed versus Comprehensive)

To view the eligible plans please go to our compare facility. Fill in the information requested, hit 'Get Quote' and you will be able to get quotes of eligible policies. Along with comparing quotes, you can review the detailed plan brochure as well as purchase the selected policy online.

Review the difference between the fixed and comprehensive plans.

Please let us know if we can help any further.

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

Hi,

I just purchased the Global Underwriters policy from your site, after inputting that I am a US Citizen but non-resident, visiting the USA for 16 days. But once I downloaded the policy it states eligibility is " benefits to Non-US citizens while traveling outside their Home Country to the United States. " - ??? I bought this from your site because I found it on their site but found their wording unclear, but now maybe I have the wrong policy. Please advise!.

Karla

Dear Karla,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Please note that the Diplomat America plan CAN be used by US citizens for short term travel to the US if they intend to return to their foreign address afterward.

So this is correct on the site although it is not fully obvious given the application form. They have updated their online forms .If you were able to purchase using "US citizen" then there's no problem. If you put some other nationality, then we will have to inform the company so that it is all correct on your application.

Hope this is helpful!

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

Hi,

Say I have a policy of 100,000 $ coverage. I would like to know will the plan will cover the following medical expenses (occurred without admitting to the hospital):

1. Doctor visit.
2. Lab test/diagnosis.
and what is the maximum limit for different types of expenses?
Thanks
Suman

Dear Suman,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The policy you have chosen, Atlas America, covers expenses for any sudden illness or accident. Covered expenses would include doctor visits and any lab tests prescribed or asked for by the doctor. The policy also covers "acute onset of pre-existing condition" up to the maximum of the plan, so any emergency due to a pre-existing condition for a person under 70 years old, would also be covered either in hospital or doctor visit. The maximum amount that the company will pay for medical expenses is the maximum of the plan (in your case $100,000). Medical expenses include hospital stay, doctor visit, medication, diagnostic tests, etc. And all medical expenses are subject to the one-time deductible and co-insurance amounts. There are a few other "pots" of money in your policy, specifically, emergency medical evacuation, repatriation, and an accidental death/dismemberment benefit. These are in addition to the maximum although they cover only specific costs and situations.

Hopefully, this is purely academic and you enjoy a safe and healthy trip!

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

Hi,

I am an Indian Citizen currently working in AUE and is looking for a health insurance. One of the criteria that I am looking for is the coverage for lost luggage. Waiting for your reply and recommendations.

Sincerely,
Alok Shag

Dear Alok,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. If you are a non-US citizen and traveling outside the US and looking insurance plan that has coverage for lost luggage's,there are a couple of options for you.The Atlas International by WorldTrips and Patriot America by IMG are excellent comprehensive plans that will work for you.The coverage for lost luggage's is limited to 50 per article; up to a maximum $250.

Please let us know if we can help you further.

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

Hi,

I have a US passport but am a permanent resident of Istanbul Turkey. My husband is a Turkish citizen. We hare both 37 years old and have a 3 month old baby son. We are in the US for a nine month period and would like to buy a family insurance package. Can you please advise for what family packages we qualify given our citizenship status.

Thanks,
Nora

Dear Nora,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Given below are details of plans that will cover US citizens who reside outside the US while they visit the US. These are good plans for your husband and child as well.

Here is a link for more information about these plans:

If we can assist you any further with your purchase or should you require help after your purchase, feel free to give us a call or send an email.

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

Hi,

I am travelling outside of United States for 5 months and I am US citizen. When I return to US, I will need coverage for a brief period of time which is 3 weeks. I am looking for a plan that can provide me domestic coverage as well as cover me outside of US. I was curious about GeoBlue plans. Can you let me know if GeoBlue has any options for me?

Thanks,
Howard

Dear Howard,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

Geoblue Voyager Choice Insurance is an excellent option for US citizens traveling outside. Coverage is available both inside and outside of the US. There is no waiting period for coverage of pre-existing conditions. Initial payment must be made in the home country before departing. Home country must be in the US.

Here are the details of Geoblue Voyager Choice Insurance.

Another plan that does provide domestic coverage is Atlas International. This plan provides 15 days of coverage in US for US citizens for every 3 month period of coverage outside of US. This plan details are available at this link:

Atlas International. You can get all information about Atlas insurance, see the brochure, and buy the policy in the website.

To buy the plan, you can use this secure link: Buy Atlas International Insurance. This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smallest) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.

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

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

Hello Again,

Thank you for your reply and providing me different options. I will check them out.

I have heard that insurance companies in USA sometimes don't pay back to you incase if any claims due to emergency for the visitors in Canada unfortunately. I would appreciate if you can please clarify on this before I decide to buy.

Please let me know the insurance company name through which this policy is covered (IMG?).

Best regards,
Pinky

Dear Pinky,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Thank you for reminding me of that. The plan I mentioned (Visitor's Care) is NOT for travel to Canada.

The plan that offers would be IMG’s (International Medical Group) Patriot America plan which is for persons traveling outside their home country. Here is a link for more information about this plan:

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

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

Hello,

My brother is visiting me in US from Mexico and he will be participating in Marathon. Can I get a plan that will cover him for Marathon?

Thanks,
Alex

Dear Alex,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The only coverage available for marathon is the Diplomat America plan offered by Global Underwriters. This plan provides coverage for Marathon when the plan is purchased with the SPORTS RIDER included. While purchasing the plan you have to select the "Athletic, Sports and Hazardous Activity Rider" but do not pick any of the activities in the given options and proceed further.

Here is the link to get a quote for the policy and look over the brochure:

Please feel free to call or email us with any further questions or concerns you may have. We wish you safe and exciting travel!

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

Hello,

I need some clarifications regarding your suggestions.

1. Is the maximum coverage amount mentioned in the application to each individual on the plan separately?
2. When u recommend Patriot Platinum daily premium rate is $14.87 compared with a fixed plan, what is the superiority of the Platinum plan to justify such a high premium?
3. As I mentioned we want maximum available protection in the event of major sickness leading to hospitalization.

Thanks
Narendra

Dear Narendra,

1. Is the maximum coverage amount mentioned in the application to each individual on the plan separately?
Answer: Yes, each of you will have a policy maximum of 100,000 when you buy a combined policy. You may choose to buy a separate policy if you want to which will have two policy documents with separate policy numbers, but the coverage is identical if both of you are covered by one policy or two.

2. When u recommend Patriot Platinum daily premium rate is $14.87 compared with a fixed plan,what is the superiority of Platinum plan to justify such a high premium?
Answer: Patriot Platinum by International Medical Group (IMG) is a "comprehensive" plan, therefore the cost is higher than that of the Seven Corners plan which is a "fixed" or ‘Scheduled benefits” plan.
Since Patriot Platinum is a "comprehensive" plan, it has better coverage in terms of medical coverage. To learn more about the difference between "fixed" and "comprehensive, please find this link: Fixed vs Comprehensive Coverage.

As I mentioned we want maximum available protection in the event of major sickness leading to hospitalization.
Answer: If you are looking for better protection, then Patriot Platinum is the best option. It is a comprehensive plan and has the highest policy maximum available.

We hope you find this information useful.

Please feel free to contact us in case of any further questions.

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

Hi,

I am having difficulty finding an appropriate plan for my upcoming trip to the US. I am a US citizen, as well as my 1 year child, however my husband is a non-US citizen. I have not resided in the US for over the past 6 months and I do not have US health insurance. What can I do? My trip will be from 8/24-10/15, primarily in Michigan, then San Francisco for the last two weeks. Please advise on what are my options?

Also regarding the foreign residence, do I need to have a foreign residency document or does my passport with entry and exit stamps suffice?

Thanks
Sarah

Dear Sarah,

Thank you for contacting us at American Visitor Insurance for your visitor medical 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. You need to enter your country of residence for the mailing address.This plan is available for Non US citizens visiting the US as well. You will need your passport number while purchasing the plan and nothing else.

Here is the plan:

Patriot America Plus:

Plan is available for both US citizens and Non US citizens living abroad visiting the US.
You can find all the details about the plan in the below link.

Please let us know in case of any further questions.

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

Hello!

I need some help.

I am trying to find insurance for my parents who live in India. They are NOT US citizens. Ideally, I am looking for a comprehensive global health insurance plan that covers them in INDIA AND THE UNITED STATES and possibly OTHER countries they might visit for a period of ONE YEAR.

My father is 72 - good health.
My mother is 62 - type II Diabetes
I want as much coverage as possible.
Can you help?

Thank you,
Amanda

Dear Amanda,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. We work with several health insurance companies to offer the largest choice of international health insurance plans. These plans will cover your parents globally (India, USA and in other countries). These plans are comprehensive in their coverage, but they need to be underwritten (the application is reviewed along with required medical documents), and the approval is not guaranteed.

The plan cost (or premium) will depend on:
1. Age of applicant
2. Maximum coverage requested
3. Deductible
4. Type of coverage (Fixed versus Comprehensive)

We have provided a friendly insurance comparison page at Global Travel Compare. In the above link you can compare various insurance policies, download policy brochures, obtain online quotes and also purchase plans.

Please also review our Frequently Asked Questions (FAQs) section to understand the distinction between a "fixed benefits program" and a "comprehensive program". This information is at FIXED VS COMPREHENSIVE. Thank you for providing us an opportunity to be of service to you!

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

Me (63 Years), and My wife (69 years), intend to visit USA from 5th July to 17 th Oct 2013, from India, on tourist visitor Visa. Kindly inform the lowest premium for buying Travel Health Insurance for a sum assured of 100,000USD, and for 200,000USD, for each of us, with terms and conditions.

Rajendra

Dear Mr Rajendra,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The below plan will work well for your requirements: Atlas America insurance You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy here. This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease. You can buy the plan online and enroll for coverage:

Buy Atlas America Insurance

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

Dear Sir/Madam

My wife (DoB 28 April 1953) and myself (DoB 11 March 1947) are planning to purchase a plan from below link for our visit to USA covering 3 July 2013 to 9 October 2013 travel medical insurance policy. From your web site, I understand that the cost for a policy of $100,000/- is $1273/- for the two of us. (In comparison, a policy of $100,000/- will cost $668/- if purchased only for myself). I would appreciate it very much if you can clarify whether the above policy costing $1273/- for the two of us will cover $100,000/- *per person* and *not* $100,000/- *together **for both of us*.
Arvind

Dear Arvind,

The policy maximum amount applies to each of the individual separately. So, if the policy maximum is $100,000 then it $100,000 for you and $100,000 for your wife. The premium or the price listed in the quote is the total for all the individuals on the policy.

Hope this helps!

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

Hi,

Does your travel medical insurance cover medications?
Ann

Dear Ann,

You would be covered for any medications prescribed for a covered illness, as you would any doctor visit, medical procedure, tests, etc. However, if you take medication regularly for some condition, these would not be covered. Travelers should carry enough medication to get through their trip (with extras just in case), if possible and be aware that prescriptions may not be accepted in the country they are visiting. Over the counter medications are not covered. Visitors may be able to take advantage of prescription savings at places like Walmart that offers many prescriptions for only $4 per month (they will need valid prescriptions, however).

Hope this helps!

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

I am a dual citizen with passports from Sweden and Israel. I’m planning a trip to the US for 15 days and then I will go to Israel for 10 days before returning to Sweden where I live and work. I have purchased the Patriot America plan. Will it cover me while in Israel or will I have to buy something else?

Issac

Dear Isaac,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The issue of dual citizens is a complicated one. The policies we sell generally are for travel outside your “home country” only. Most companies define your “home country” as where you principally reside and where you have citizenship. However, you are in luck because the Patriot America plan offers a “return to home country” coverage which, for an additional about 5% to the premium price, would cover you for your entire trip from the USA and in Israel.

Happy travels!

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

I am a US citizen, but I live in France. I am planning a visit for 3 weeks to the US. Do you have a plan that will cover me?

Jenny

Dear Jenny,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Most plans will NOT cover US citizens in the US. However, there are two plans which only consider where you live to be your "home country". You will be asked your citizenship and it will be a part of your application. However, so long as you reside outside the US and put this address down as your "home country" address and you intend to return to that foreign address, these plans will cover you.

If you need coverage for acute onset of pre-existing condition, you can choose Patriot America Plus option shown below:

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

Hi there,

I am booking medical insurance through your site. i have found an insurance policy which suits me needs.
I am a UK citizen , and i will be visiting the USA from June 7th to Oct 1st. Although a UK citizen, i will be arriving from and returning to Indonesia, after my time in the USA, ie not leaving from and returning to the UK. I have booked travel insurance a couple times with you before and i was told this does not matter, however as i am filling in the online form for the insurance policy, it does not give me an option to change the 'leaving from' and 'returning to' box, giving only the option of 'leaving from' and 'returning to' home country.

Does this matter?

Will it affect my coverage?

This will not impact your coverage in any way. You should enter the dates that you are in the USA (June 7th to Oct 1st).
Again you can compare quotes and buy the insurance plan using our compare tool: Visitors Medical Insurance Compare

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

I am in California and I am trying to buy an Atlas Travel Insurance policy. However, I get a warning message just before my purchase which says something like the insurance is not valid in California. Can I buy and use this insurance if my visitor is coming to visit me in California?

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. The Atlas insurance is good for anyone who is not a US citizen while visiting any state in the USA. This message (there for legal reasons) states (in legalese) that the State of California will not pick up any bills if the insurance company were to go bankrupt. This is an unlikely event and, anyway, the company is underwritten by Lloyds of London who has promised to pay out claims if that should happen. Don’t let that legal notice worry you, you have chosen a very good plan for your visitor(s)!

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

I would like to purchase insurance for my family members from Iran to come visit me in the US. Do you have any options for them?

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Due to US sanctions, most companies will not sell insurance for Iranian citizens. Trawick International company has plans that are available for Iran citizens. To name a few of their plans, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels Visitors to USA ...can be purchased by Iranians visiting the USA.

Please call one of our representatives in case of any questions and we can arrange for you to purchase a policy for them. Our number is (877) 340 7910

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

My son is disabled. Autism, ADHD, epilepsy. Can I still buy him a health insurance covering a three-month stay in New York next spring?

Dear Lena,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. I am sorry to inform you that none of our insurance plan will cover your son.

If you are interested with plans that will cover emergency sickness, please find link below: Visitors Medical Compare

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

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

My wife and I are interested in purchasing health insurance for our 3-year-old daughter to cover her during our upcoming visit to the United States. I notice that the policies limit eligibility to non-US citizens, no matter the covered individual's Home Country. In this case, our daughter has both US and Spanish citizenship; her home country is Spain. Would she be eligible for coverage? And to be clear, my wife and I would not be purchasing coverage for ourselves, only for our daughter.

Thank you,
Richard Browning

Dear Richard,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Your daughter is eligible to purchase any of our visitor insurance. When it is time to purchase the policy put your address in Spain as her "Home Country"

To get a quote please find link below: Visitors Medical Compare

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

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