Travel Insurance India to USA
Indians form a significant and successful community in the USA. They contribute to various sectors, including education, technology, and entrepreneurship. Indian-Americans have made notable cultural contributions and celebrate their traditions and festivals. The Indian diaspora adds to the diverse fabric of American society. This vibrant Indian American community often have family and parents visiting the US from India.
Along with visiting family, the US offers Indians a wide array of travel experiences. From iconic landmarks like the Statue of Liberty and the Golden Gate Bridge to diverse cultural traditions and cuisines, there is much to explore. Indians can witness the country's multicultural society in person and visit popular cities such as New York City, Los Angeles, Chicago, as well as tourist attractions like Disneyworld, Las Vegas, Niagara falls and the Grand Canyon.
If you are traveling from India to the USA, it is very important that you buy the best travel insurance for US from India. Our licensed agents in American Visitor Insurance have been helping thousands of Indian travelers to the US buy the best Visitors insurance for USA from India for over 20 years. Simply having US travel insurance plans will reduce hospital bills since the visitors travel insurance offered on American Visitor Insurance work with US preferred provider networks (PPO networks).
US hospitals have lower billing for customers with insurance working with these PPO networks. The US travel insurance for Indian visitors coverage is ideal for older travelers visiting family members for three to six months. American Visitor Insurance offers a wide range of US visitors insurance options ranging from cheap fixed benefit plans to more expensive comprehensive US travel insurance. Customers can compare quotes and benefits using our compare visitors insurance tool, to find the best US travel medical insurance plan for your specific needs.
Entry requirements travelling to USA from India
- Visa requirements: Travelers from India to the U.S check the specific visa requirements for the visit. The type of visa required depends on the purpose of travel, such as tourism, business, work, or study.
- Visa Application Process: For individuals requiring a visa, the application process involves submitting the necessary documents, attending a visa interview, and meeting specific eligibility criteria. The process can vary based on the type of visa.
- ESTA for Short Visits: For short visits (up to 90 days) for tourism or business purposes, Indian citizens may be eligible to apply for an Electronic System for Travel Authorization (ESTA) instead of a visa. This applies if traveling under the Visa Waiver Program (VWP).
Advantage of US visitors insurance over Indian travel insurance
- Lower medical costs due to PPO network with US hospitals.
- Local customer support for claims and during hospitalization.
- Direct billing easier and widely accepted by US healthcare facilities.
- More comprehensive visitors insurance options for all age groups.
- Pre-existing condition travel insurance for Indian parents visiting usa available.
Advantages of Buying overseas travel Insurance in the US rather than in India. Purchasing US travel insurance provides coverage that is tailored to the US healthcare system. Local US knowledge and network ties are very beneficial in navigating the California healthcare system. US travel insurance are priced in US dollars, and all your expenses, including medical costs, will be in US dollars. This helps avoid currency conversion issues and potential fluctuations. US travel insurance companies usually have a network of healthcare providers and facilities within the US. This network will significantly reduce the medical bills and will also facilitate direct billing and provide easier access to medical services.
A US-based travel insurance provider has a better understanding of the local laws and regulations governing insurance in the US, potentially simplifying claims processes. US travel insurance plans also come with comprehensive global assistance services, offering 24/7 support, including emergency medical evacuation, travel assistance, and coordination of services. US travel insurance providers also offer specialized coverage options for specific needs of international travelers, such as coverage for pre-existing medical conditions or for extending one’s trip. For all these reasons, it is recommended to buy an US travel insurance when traveling from India to California.
USA - General Information
Capital
Washington, D.C.
Language
English
Currency
US Dollar
Population
Around 340 million
Best time to visit
During Spring or Autumn
Location
North America
Vacation spots
New York, San Francisco, Los Angeles, Las Vegas, New Orleans, Chicago, Orlando, Washington D.C.
Popular travel destinations in the USA
US Territories
U.S Virgin Islands
The U.S. Virgin Islands are a popular tourist destination, known for their beautiful beaches, crystal-clear waters, lush rainforests, and rich history.
American Samoa
Popular for its marine biodiversity, beaches, breathtaking pristine sights. It has evolved as one of the most famous and affordable travel destinations for US citizens.
Guam
Guam is a country with night markets of Chamorro Village, World War monuments, attractive churches, and magnificent Pagat caves attract millions of travelers to the country.
Puerto Rico
Puerto Rico is known for its beaches, forests, skies, architecture, and culture. Old San Juan is one of the most iconic and treasured places in Puerto Rico.
USA travel insurance coverage highlights
What does Travel Medical Insurance cover?
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitors medical insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best health insurance for tourists in USA medical varies based on the tourist health insurance USA plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.
Doctors visit
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the chosen health insurance for USA travel, travelers do have the option of No Co-pay and $0 deductible.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.
Visitors medical insurance coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the us holiday insurance for visitors coverage. Conditions that are considered as pre- existing diseases include ailments like Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is difficult to find health insurance for tourists in USA that covers pre-existing conditions.Only some tourist health insurance cover pre-existing conditions with INF being one company that offers greater coverage for pre-existing ailments. INF visitor insurance in USA with pre-existing conditions coverage insures in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. This includes pre-existing conditions ranging from blood pressure, diabetes, kidney complications to arthritis and are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions before actually buying the travelers insurance.
Surgery
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
Medical Evacuation
Provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the tourist health insurance chosen, one can get repatriation coverage up to $50,000.
Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
Visitor medical insurance while visiting USA
Visitor medical insurance is a short-term health insurance that provides medical coverage for illness and injury during travel or stay in the USA. It is a mandated type of coverage for foreign nationals who come to the USA temporarily, for any reason, business or personal. It can offer protection from accidental injury or sickness that can arise during the stay in the host country.
It can also provide financial protection in the event of an unexpected medical emergency while visiting the USA. The cost of visitor medical insurance varies depending on criteria such as the insured’s age and health needs, as well as the length of the trip to the USA. The typical cost of visitor medical insurance is between $200 and $400. It is easy to find the best visitor medical insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
Importance of holiday insurance USA
Expensive US Healthcare: The United States has perhaps the best healthcare facilities in the world, but it is also perhaps the most expensive globally. The cost of an average daily hospital stay is over $2500 in the US. Even outpatient doctor visits are prohibitively expensive. It is financially very traumatic when a visitor travelling for a short visit to the US has to pay a huge bill in case of an unforeseen injury or illness.
Therefore it’s important to buy the best US travel health insurance, so that any sudden injury or illness expenses are covered by the visitors medical insurance. US travel insurance along insuring medical expenses of travelers will also reduce the medical expenses, as US travel insurance providers through their preferred provider organizations (PPO) network have a working relationship with hospitals which result in lower healthcare bills.
Protection for entire family: US travel medical insurance can be either purchased individually, or for an entire family if traveling together. Any illness or injury faced by the insured family members will be covered during the trip.
A support system for travelers in a new country: Traveling to a new destination like the US can be very stressful as the healthcare system will be different from your home country. If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor. Having US travel health insurance will act as a support system as the insurance providers have tie-ups with various Preferred Provider Organizations (PPO) who have networks with many hospitals and doctors in the US.
Ease of navigating US healthcare facilities: The hospitals in the PPO network of the US travel insurance will bill the insurance company directly so that travelers need not worry about paperwork and about paying the bill up front. In case of any emergency visitors can refer to the list of hospitals with the PPO network and get help from the nearest medical care center. Travel insurance for USA will help you make the most of the trip and explore new destinations without the worry of your health related expenses.
Best Travel Insurance for USA from India
Travel health insurance for foreigners in USA
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Best travel medical insurance
Compare and buy the best visitor health insurance plans. The best visitors insurance for USA plans that we display are specially designed to match the needs of international travelers.
Best health insurance for visitors to USA - Comprehensive plans
- Available for US citizens visiting USA
- Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
- Plan is suitable for Green Card holders as long as they reside outside the US.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- This plan is available for Non-US citizens traveling outside their home country
- Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
- This plan is for Non Us citizens and Non US residents visiting the US.
- This plan have 24 months waiting period for pre-existing conditions.
- Covers acute onset of pre-existing conditions up to policy maximum age up to 89 years.
- This plan is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
- This plan is available for green card holders.
- For ages 14 days to 89 years.
- Coverage for minimum 5 days to maximum up to 364 days.
- Covers treatment of acute onset of pre-existing conditions (up to 79 years)
- For the acute onset of pre-existing condition coverage with Cardiac Condition and/or Stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.Other than Cardiac Condition and/or Stroke it covers for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Best comprehensive plan that covers all pre-existing conditions up to 99 years.
- There is a minimum purchase of 90 days required to buy this plan
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Best comprehensive plan that covers all pre-existing conditions up to 99 years.
- Covers 90% of eligible medical expenses.
- There is a minimum purchase of 90 days required to buy this plan
- INF Safe Traveler USA 90 covers 90% of elgibile medical expenses
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- INF Safe Traveler USA covers 80% of elgibile medical expenses
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Covers Preventive & maintenance care and coverage for full body physicals.
- Comprehensive plan with full pre existing condition coverage up to 99 years which is unique.
Best travel insurance for USA – Fixed benefit plans
- Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
- Offers coverage for acute onset of pre-existing conditions up to 79 years.
- Renewable up to 364 days
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- Plan can be renewed up to 364 days.
- This plan is available for for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Minimum Enrolment should be 30 days.
- It offers coverage for acute onset of pre-existing conditions up to 89 years.
- Available for Non US citizens coming to the US and worldwide.
- This plan is available for green card holders.
- Acute Onset treated like New Sickness
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- This plan covers Full pre-existing conditions up to 99 years.
- Covers preventive & maintenance care
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- This plan covers Full pre-existing conditions up to 69 years.
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Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage
A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers and very important is to select pre-existing condition for medical insurance. It is recommended to to find good visitor insurance with Pre-existing conditions coverage, which is particularly important for older travelers and parents.
Best travel insurance with pre-existing condition coverage - Comprehensive plans
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
- Patriot America Plus Covid insurance offers coverage for coronavirus illness.
- Available for US citizens visiting USA
- Plan is suitable for Green Card holders as long as they reside outside the US.
- This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
- This plan is available to both Non-US citizens and US citizens traveling outside their home country.
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 89 years).
- Available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
- Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
- Covers unexpected recurrence of a pre-existing medical conditions up to $1000
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
- The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
- Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25K up to 65 years; $5K for 65 to 79 years.
- This plan offers full pre existing condition coverage.
- Elite plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
- Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
- Covers Preventive & maintenance care and coverage for full body physicals.
- This plan offers full pre existing condition coverage.
- Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years.
- Policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
- This plan covers 90% of eligible medical expenses.
- This plan offers full pre existing condition coverage.
- Elite 90 plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
- Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
- There is a minimum purchase of 90 days required to buy this plan
- The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
- Acute onset of pre-existing condition coverage for Worldwide including US with Cardiac Condition and/or Stroke - $50K up to 69 years; $5K for 70 to 79 years.Other than Cardiac Condition and/or Stroke - $75K up to 64 years; $7.5K for 65 to 79 years.
- For Worldwide excluding US - $50K up to 64 years; $10K for 65 to 79 years.
Best travel insurance for USA – Fixed benefit plans
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
- It is an affordable plan for visitors visiting the US.
- This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
- Covers full pre-existing conditions up to 99 years.
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- Safe Travels Elite Covid insurance covers coronavirus illness.
- Plan can be renewed up to 364 days.
- This fixed plan Covers preventive & maintenance care.
- Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
- Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
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Senior Citizen travel insurance for above 60 years
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.WorldTrips gives the best plans with extremely good coverage.- The best travel health insurance for 60 year old travelling to the US is Atlas America.
- With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 70.
- Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
- You can compare Atlas Travel insurance plans.
- This plan provides coverage up to $250,000 for 70 to 79 year old travelers.
Seven Corners gives the best plans with extremely good coverage- Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
- The Travel Medical USA plans (Travel Medical USA Visitor Basic, Travel Medical USA Visitor Choice) cover acute onset of pre-existing conditions for people up to age 79.
- Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
- The age availability is 14 days to 80+years.
- Covers acute onset of pre existing conditions up to the age of 79.
International Medical Group gives the best plans with extremely good coverage.- Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America Lite with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
- US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
- Visitors Protect Plan offer maximum limits from $50,000 to $250,000.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
- Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
- Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
INF Travel gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. There are fixed benefit and comprehensive health insurance for non us citizens over 65 years options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.- This is a comprehensive plan and is the plan with excellent coverage.
- This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
- Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years
- This plan need to be purchased for a minimum of 3 months.
- This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
- Pre-existing complications from covid-19 covered
- Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years
- This plan need to be purchased for a minimum of 3 months.
- This fixed plan from provides full pre existing condition coverage.
- In-patient, out-patient, specialist care covered for pre-existing.
- Minimum purchase of 90 days is required for this plan.
- This is another comprehensive plan from INF.
- Covers preventive & maintenance care
- Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
- Covers Preventive & maintenance care and coverage for full body physicals.
- Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years .
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Older traveler medical insurance for above 70 years
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.- Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
- For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
- Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
- There is also a higher policy maximum option available for people above 70 up to the age of 79.
- Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
- There is also a higher policy maximum option available for people above 70 up to the age of 79.
- The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
- Travelers must be at least 14 days old and under 99 years to be covered by this plan.
- Offers coverage from 90 days to 12 months.
- This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
- The age availability is 14 days to 80+years.
- Covers acute onset of pre existing conditions up to the age of 79.
- Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
- This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- Pre-existing complications from covid-19 covered.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- Covers Preventive & maintenance care and coverage for full body physicals.
- Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
- Covers 90% of elgibile medical expenses and minimum purchase of 90 days is required for this plan.
- INF Safe Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
- This plan does not cover pre existing conditions including acute onset of pre existing conditions.
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Senior Citizen travel insurance for above 80 years
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- INF Safe Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
- This plan does not cover pre existing conditions including acute onset of pre existing conditions.
- Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
- INF Safe Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
- This plan covers Urinary Tract infection for older travelers above 80 years.
- This plan does not cover pre existing conditions including acute onset of pre existing conditions.
- This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
- For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
- The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
- Travel medical insurance plan covers Covid-19 as any other illness.
- Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
- It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
- This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
- This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
- This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
- Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- It is available for travelers of ages 14 days to 99 years
- Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
- Travel Medical USA Visitor Choice is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
- Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.
- Covers Preventive & maintenance care and coverage for full body physicals.
- Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
- Covers 90% of elgibile medical expenses and minimum purchase of 90 days is required for this plan.
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Senior Citizen travel insurance for above 90 years
Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- INF Safe Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
- This plan does not cover pre existing conditions including acute onset of pre existing conditions.
- Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
- INF Safe Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
- This plan covers Urinary Tract infection for older travelers above 80 years.
- This plan does not cover pre existing conditions including acute onset of pre existing conditions.
- Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- It is available for travelers of ages 14 days to 99 years
- This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
- For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
- Covers Preventive & maintenance care and coverage for full body physicals.
- Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
- Covers 90% of elgibile medical expenses and minimum purchase of 90 days is required for this plan.
Travel insurance for acute onset of pre-existing conditions
How does travel insurance for pre-existing conditions work?
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Pre-existing conditions coverage - FAQ's
01. How do I know if my pre-existing condition is covered by travel insurance?
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
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Travel Insurance USA, Travel insurance in USA for foreigners - FAQ's
01. What happens if a tourist from India gets sick in USA?
What happens if a Indian tourist goes to the hospital in the US? How are Indian tourists emergency hospital bills handled? What is involved in seeing a Doctor in the US as a tourist? How is the medical treatment in USA for Indian handled?
These are common concerns of Indian tourists visiting the US. International travelers to the US should be aware the US healthcare is very expensive and is usually covered by health insurance coverage which most US residents have. It is hence important for international tourists in the US to buy the best US travel insurance since they have to pay for any medical expenses incurred while visiting USA.
Being forced to visit an US hospital without good travel insurance can be devastating and one should buy US travel insurance for the entire duration of one’s visit to the USA.
02. What is the best insurance for travel to USA?
There are many US Travel insurance plans available for visitors in the online health insurance marketplace. They are mainly classified broadly as Fixed plans and Comprehensive plans. The best US tourist health insurance varies based on the unique needs of diverse travelers with several plans working well in different situations. Amongst the popular travel insurance in USA for visitors are Patriot America by IMG, Atlas Travel from World Trips, Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners, INF Premier travel insurance all of which have excellent coverage.
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03. How can i buy USA travel insurance online?
American Visitor Insurance offers a wide range of travel medical insurance plans for visitors to the USA designed by the top US travel insurance providers. Customers can compare different travel insurance plans offered by US insurance company on American Visitor Insurance. After comparing different plans, you can choose the one that best meets your needs and budget and buy the policy online by filling out an application and paying for the travel insurance USA using a credit card.
04. Do tourist get free healthcare in USA?
No, international tourists do not get free healthcare in the USA. The United States does not have a universal healthcare system, and US healthcare services are very expensive, especially for the uninsured. If you are a tourist visiting the US, it is very important to have the best travel medical insurance for any unexpected medical expenses that may arise during your trip. US travel medical insurance covers emergency medical expenses, including hospitalization, doctor visits, emergency medical evacuation, and repatriation.
Tourists can compare and review the best US travel insurance options using the American Visitor Insurance comparison tool as well as review the policy brochures to understand the coverage limits and exclusions.
05. Why should we compare insurance for travel to USA?
US Visitors Insurance plans offered by popular US insurance providers might seem similar on first impressions, since many of the visitors medical insurance plans have similar coverages and costs. However, in order to find the best visitor health insurance plan based on the visitors specific needs and to get the best coverage available, it is important to compare different visitor medical insurance benefits.
The following are some of the important factors to consider while comparing visitors insurance:
Type of visitor insurance (Fixed or Comprehensive): Fixed benefit visitor insurance are cheaper when compared to the Comprehensive insurance plans however they offer limited coverage when compared to Comprehensive plans. Normally, it is recommended to buy comprehensive visitors insurance as it offers exhaustive coverage with greater flexibility, however some travelers are looking for the cheapest option.
Policy Maximum: This is the maximum coverage that any plan would offer which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an emergency according to the policy conditions detailed in the policy.
Deductible: This is an initial amount that the traveler needs to pay before the visitors insurance actually starts to pay. The deductible options can range anywhere from $50 up to $5000 based on the plan. A larger deductible means lower premium price and vice versa. Picking a large deductible thus lowers the premium and choosing a comprehensive plan is usually recommended.
Pre-existing condition coverage: This is very important benefit factor as many customers need this benefit. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most comprehensive visitors insurance plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed benefit plans limit this coverage for travelers up to the age of 70 years. Very few plans do not have pre existing condition coverage at all.Pre existing condition coverage is provided only for acute onset of a pre existing condition. There is only one company namely INF that offers plans providing full pre existing condition coverage.
Residential status: Many visitors insurance provide coverage only within the US. Some plans provide coverage worldwide. There are plans available only for Non US citizens visiting the US. There are plans where both Non US and US citizens living abroad are eligible to visit the US and claim coverage. There are plans where US citizens traveling outside the US are eligible. Comparing the plans to look for this factor is necessary before we purchase the plan and start the travel.
Sports and other unique activities: Some of the plans provide excellent sports medical coverage for hazardous sports and other adventure activities.
Based on these US visitors medical insurance factors, American Visitor Insurance provides a compare visitor insurance facility which is user friendly and helps visitors compare and buy the best US visitor insurance for their specific requirements.
06. What are the factors to consider for US travel insurance?
The main factor to consider is what is most important for you to have coverage for and what type of coverage do you need. Do you want trip cancellation coverage which will return the money you would lose on a trip should you have to cancel your trip due to health concerns, your job or jury duty? Or do you want to be sure you have plenty of medical coverage while you are on your trip? Or do you want to be sure you can get a medical evacuation from a remote location where you are vacationing? Depending on your answers to those questions, you can choose a different “perfect” plan for each situation.
07. Can Indian citizens travel to USA?
If you are an Indian citizen and wish to travel to USA, you can apply for a US Tourist Visa online. The ability of Indian citizens to travel to the USA depends on factors such as visa type, purpose of travel, and current travel restrictions.
08. Why do you need travel insurance for USA from India?
Travel insurance from India to the USA is essential for several reasons. Here are some key reasons why individuals should consider purchasing travel insurance while traveling:
- Medical Coverage: Healthcare in the USA can be expensive. Travel insurance provides coverage for medical emergencies, hospitalization, and other healthcare expenses, ensuring that travelers have financial protection in case of unexpected illnesses or injuries.
- Emergency Evacuation: Travel insurance often includes coverage for emergency medical evacuation, ensuring that individuals can be transported to the nearest suitable medical facility in the event of a serious health issue.
- Trip Cancellation or Interruption: Travel plans can be disrupted due to various reasons, including unforeseen circumstances. Travel insurance can provide coverage for trip cancellation or interruption, reimbursing non-refundable expenses such as flight tickets and accommodation costs.
- Baggage Loss or Delay: Travel insurance offers coverage for baggage loss, theft, or delay. This ensures that travelers receive compensation for the loss or delay of their belongings during the trip.
- Coverage for Pre-Existing Conditions: Some comprehensive travel insurance plans may offer coverage for pre-existing medical conditions, subject to specific terms and conditions.
- Protection Against Travel Risks: Travel insurance provides financial protection against various travel-related risks, including trip cancellations, flight delays, or unexpected events that may disrupt travel plans.
It is recommended to buy the best American medical insurance for visitors to USA on American Visitor Insurance as opposed to buying travel insurance in India since US hospitals work with US insurance providers and it is easier for direct billing. In fact, going beyond the travel health insurance coverage, simply having US travel insurance with US PPO networks, significantly reduce the hospital bills in the USA.
09. Do Indians need visa for USA?
Indian citizens generally need a visa to travel to the United States for tourism, business, work, or study purposes. The type of visa required depends on the purpose of travel, and there are various visa categories, including tourist visas (B-1/B-2), work visas (H-1B, L-1), student visas (F-1), and others.
USA visa health insurance, Visitor visa health insurance USA
Embassy of India in United States
Indian Embassy in Washington
2107, Massachusetts Avenue, NW, 20008, Washington, USA
Phone
+1-202-9397000
Fax
+1-202-2654351
Email
amb.washington@mea.gov.in
hoc.washington@mea.gov.in
India Consulate in Texas
4300 Scotland Street, 77007, Houston, Texas, United States
Phone
+1-713-6262148
Fax
+1-713-6262450
Email
cgi-hou@swbell.net
Travel health insurance USA, Travel insurance for visitors to USA
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Travel insurance for USA resources
International travel insurance resources for USA visa holders.
Factors for travel insurance USA online
Important factors while deciding on the best travel insurance to USA.
Types of USA travel insurance online
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USA travel insurance claims procedure
USA travel insurance claims process for medical care in a hospital.
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Customer Queries for Indian travelers to USA.
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