Travel insurance for USA resources
International travel insurance resources for USA visa holders.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
Covers doctor visits in case of sudden injury or sickness.
Some plans cover high school sports activities.
Hospital medical expenses for sickness or accidents during coverage.
International students who need coverage for existing medical ailments.
Some plans offer coverage for pregnancy, maternity and new born.
Repatriation of remains expenses to home country in case of death.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
The United States is a diverse and dynamic country that offers a wide range of experiences for visitors from Kenya and around the world. The United States is a vast and culturally diverse nation known for its stunning landscapes, vibrant cities, and a rich tapestry of people and cultures. From the iconic skylines of cities like New York and Los Angeles to the natural wonders of the Grand Canyon and Yellowstone National Park, the USA offers a spectrum of experiences and opportunities. In the United States, you'll find a melting pot of cultures and traditions, reflecting the country's immigrant roots.
Explore the natural beauty of the United States, from the golden beaches of California to the majestic mountains of Colorado. Experience the hustle and bustle of iconic American cities. Discover the skyscrapers, entertainment, and vibrant nightlife in places like New York, Los Angeles, Chicago, and Miami.
Visit historical sites and landmarks that define American history, including the Statue of Liberty, the White House, and the Smithsonian museums. As you explore this vast country, consider the diverse climates, time zones, and the need for travel documentation and appropriate currency. Embrace the local customs and etiquettes, and most importantly, enjoy your journey through this incredible land.
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.
The travel insurance medical maximum coverage available is up to $1M. This however decreases for travelers over 70 years.
This allows travelers to visit Doctors for sudden unanticipated medical ailments. The Co-pay and deductible depends on the plan with the option of No Co-pay and $0 deductible.
Doctor prescribed eligible pharmacy drugs are covered up to $50K but this varies from plan to plan.
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50K but this varies from plan to plan.
The best travel insurance provides coverage for medical evacuation up to $1M if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler with coverage up to $50K available.
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.
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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.
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.
Visa requirements: Kenyan citizens generally need a visa to enter the United States. The type of visa required depends on the purpose of the visit. For tourism, leisure, or visiting friends and relatives, Kenyan citizens usually apply for a B-2 tourist visa.
Fill out the DS-160 Nonimmigrant Visa Application online. This form gathers information about you and your intended travel.
Flight and Transportation: The primary international airport in Kenya is Jomo Kenyatta International Airport (NBO) in Nairobi. Jomo Kenyatta International Airport is the main gateway for international flights departing from or arriving in Kenya.
Direct flights from Jomo Kenyatta International Airport to the United States are not common. Travelers from Kenya typically need to take connecting flights through major international hubs in Europe or the Middle East
Time difference: The time difference between the United States and Kenya varies depending on the specific locations within the USA and Kenya due to multiple time zones in the USA.
Kenya operates on East Africa Time (EAT), which is usually UTC+3 hours. Kenya is usually ahead of the United States by 7 to 11 hours, with the USA being behind Kenya in terms of time. The exact time difference may vary during daylight saving time changes in the United States.
Currency and payments: The currency used in the USA is the United States Dollar (USD). Consider exchanging a portion of Kenyan Shilling (KES) to USD While having some cash is convenient, avoid carrying large amounts.
It's safer to rely on a combination of cash, cards, and traveler's checks for security. ou can use ATMs in the USA to withdraw USD using your Kenyan bank card. Ensure you inform your bank about your travel plans to avoid issues
Language: In Kenya, English and Swahili are both official languages, with English widely used in government, commerce, and education. When traveling to the United States from Kenya, it's important to note that English is the primary language used in the USA.
Familiarizing yourself with common English phrases and essential vocabulary can be beneficial for a smoother experience while in the USA.
Safety and security: Stay informed about safety conditions in the USA and the areas you plan to visit. Follow local guidelines and exercise caution, especially in unfamiliar environments.
Health and travel insurance: Check if any vaccinations are required or recommended for travel to the USA. Bring any necessary medications and prescriptions. Consider purchasing comprehensive travel insurance that covers medical emergencies, trip cancellation, baggage loss, and other unforeseen events.
Here are some travel insurance tips for travelers with pre-existing conditions
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.
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.
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.
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90. INF plans are open to green card holders
Yes, Kenyan citizens typically need a visa to enter the United States. The specific visa type required depends on the purpose of your visit.
Tourists from Kenya usually require a B-2 tourist visa for leisure and vacation purposes.
To apply for a U.S. visa, you'll need to complete the DS-160 visa application form, pay the visa application fee, schedule a visa interview at the U.S. Embassy or Consulate in Kenya, and provide the required supporting documents.
You'll need a valid passport, a U.S. visa if required, and specific supporting documents based on the visa category.
Generally, a B-2 tourist visa allows for stays of up to 6 months in the United States, but the actual duration is determined by the U.S. Customs and Border Protection officer upon arrival.
The currency in the USA is the United States Dollar (USD). You can access funds through ATMs, credit/debit cards, traveler's checks, or by exchanging currency at banks or currency exchange offices.
Popular destinations include cities like New York, Los Angeles, Miami, San Francisco, and attractions like the Grand Canyon, Yellowstone National Park, and theme parks in Orlando.
Yes, you'll need to declare currency and items when entering the USA. It's important to be aware of customs regulations and declare any items of value.
Annual travel insurance for frequent travelers to and from Ghana.
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International travel insurance resources for USA visa holders.
Important factors while deciding on the best travel insurance to USA.
Different types of USA visa travel insurance options.
USA travel insurance claims process for medical care.
FAQs about travel insurance for Kenya travelers.
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Click here to read more »Customer Queries for USA travelers to Kenya travelers.
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