IMG

Senior citizen travel medical Insurance by IMG

Globe hopper Senior citizen Insurance

International Medical Group Senior travel insurance

International Medical Group(IMG) provides best travel insurance for over 60 years based on the factors like the travelers age, length of travel, maximum coverage required, deductible and the need for pre-existing conditions and covid coverage. IMG plans offers coverage for acute onset of pre-existing conditions up to policy maximum for travelers under 70 years of age.

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Age
Start Date
End Date
Coverage
Citizenship

Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Plan Details
  • Add on option - Covers Stroke or Myocardial Infarction (Heart Attack)
  • It is a medical insurance useful for Non-US citizens travelling outside their home country
  • This plan can be purchased for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
  • Travelers under 65 years visiting US, the initial period of coverage must begin within 6 months of arrival in the US. While travelers 65 years and above, it must begin within 30 days of arriavl. These requirements will be waived with proof of previous valid international travel insurance.
  • Limited coverage for medical expenses
Plan Options
  • Select Traveler's Age
  • Maximum Coverage   
  • Deductible Amount    
  • $37.54 PER MONTH BUY
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Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum

Plan Details
  • Insurance Coverage for non-U.S. residents traveling to the USA.
  • Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years
  • Coverage for acute onset of pre-existing conditions up to policy maximum for travelers under 70 years
  • Co-Insurance
    For treatment received within the U.S :
    In the PPO Network: The plan pays 100%.
    Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    For treatment received outside the U.S : No coinsurance. Plan pays 100%
Plan Options
  • Select Traveler's Age
  • Maximum Coverage   
  • Deductible Amount    
  • Pre-Existing Coverage up to 70 years
  • $133.75 PER MONTH BUY
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Plan Details
  • Ideal for US citizens travelling outside US
  • $10,000 coverage per certificate period
  • Satisfies Schengen Visa Requirements
  • Covers pre-existing conditions up to $2,500
Plan Options
  • Select Traveler's Age
  • Maximum Coverage   
  • Deductible Amount    
  • $26.40 PER MONTH BUY
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Plan Details
  • Ideal for US citizens and Non US citizens
  • $20,000 coverage per certificate period
  • Covers pre-existing conditions up to $2,500
Plan Options
  • Select Traveler's Age
  • Maximum Coverage   
  • Deductible Amount    
  • $127.05 PER MONTH BUY
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Plan Details
  • Ideal for US citizens and US permanent residents aged 65 years or older
  • Single trip plan, renewable up to 12 months
  • Coverage up to $1,000,000
Plan Options
  • Select Traveler's Age
  • Maximum Coverage   
  • Deductible Amount    
  • $26.40 PER MONTH BUY
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Travel Insurance tips for travelers with Pre-Existing Conditions

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

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

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

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

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

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
  2. Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02.  What does full coverage for Pre-Existing Conditions mean?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

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

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

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

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What services are covered under visitors insurance full pre-existing coverage?

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

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

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

special-coverageIMG Insurance Restrictions

  • IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Covid 19 IMG travel insurance coverage for Coronavirus

If the travelers visits a country that the Center for Disease control (CDC), World Health organization (WHO) or US Department of State has issued an alert to not visit, the coverage for Coronavirus will be excluded. The Patriot travel insurance will not offer coverage benefits if the traveler visits the country after the alert has been issued. If the traveler is already in the country before the alert was issued, then the insured may be covered.

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