Citizen Secure insurance plan is an international major-medical and term life insurance for individuals and families. It is an international insurance plan designed for you if you are a US citizen living abroad, where your domestic US health insurance may not meet your needs. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. The Citizen Secure insurance plan is administered by HCC Medical Insurance Services is designed to meet your needs.

International medical plans are ideal for:
Expatriates
Missionaries
Corporate Travel (long term)
Overseas Posting
Sabbaticals
Educational Research
Economic Development Travel
Long Term Vacations

The CitizenSecure insurance is available to individuals in locations around the world. The plan is annually renewable and offers comprehensive medical coverage worldwide. An option to exclude coverage within the US and Canada is available. Optional Dental, Term Life and AD&D are also available.

Buy CitizenSecure insurance online and get coverage around the globe.

There is very limited insurance coverage for visitors with pre-existing conditions. Visitors are advised to get all details about the plan, fully understand the plan limitations and exclusions before purchasing the insurance plan. Visitor medical Insurance Plans are for temporary coverage while traveling outside your home country and has limitations when compared to domestic insurance. The main limitation is that it usually excludes preexisting conditions coverage.

What is a Pre-Existing Condition?
Any Injury, Illness or medical condition which meets any of the following criteria will be considered as a Pre-Existing Condition:
1) A condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under the Policy;
2) A condition for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed prior to the Effective Date of coverage under the Policy.

Who determines if an ailment is a Pre-Existing Condition?
The Insurance Carrier will make this decision after reviewing the attending Doctor’s Statement, the patients medical Records, medical history and the nature of the treatment and condition to determine if the ailment is Pre-Existing.

What are my choices for pre-existing condition treatment?
There is limited coverage for pre-existing conditions. We have detailed the pre-existing condition insurance options , as well as developed a pre-existing condition coverage compare tool .

Every year hundreds of thousands of students travel outside their home country for their education. These international students both coming to the U.S. and American students going abroad need student medical treatment given the very high costs involved for healthcare.

Student medical insurance provides illness and accident expense protection, it pays for medical treatment and will even help find a hospital and doctor nearby.

On our website we offer several student medical insurance plans. Plans start as low as a dollar a day. You can compare student medical insurance plans on our student insurance comparison utility.

This is a very tricky question, but one that we get all the time from our customers. Of course, each individual’s case is different and therefore needs a separate answer, but here are some guidelines that we try to give my clients.

Buy as much visitors insurance as you can afford. Unfortunately, health care costs in the US can be extremely high. A hospital stay for a basic fracture requiring surgery could cost you easily $60,000. If you are traveling to Europe and need insurance, you can probably get away with a much lower coverage. Schengen visas require 30,000 Euros coverage which is about $50,000, so this is a reasonable amount to get when traveling outside the US. Within the US, it is recommended to have about $500,000 maximum coverage and more as the client feels able.

You must balance the cost of the premium with the potential cost of medical care. Of course, health insurance is something we hope we won’t need to use. Hopefully, most trips are safe and the traveler can stay healthy for the duration. However, you have to figure out what your “worst case” scenario for costs could be and choose a level that you are comfortable with. For example, you may want to choose a high deductible $500 to $2,500 on a comprehensive policy and cover a bad accident or illness. This means that while you pay up to the deductible amount, any high expenses for catastrophic situations are better covered in these plans. An alternative option is when you may feel more comfortable purchasing a fixed policy which saves you in monthly premium payments, but may NOT fully cover a bad accident or illness. In that case, a fixed plan will likely cover some, but not all costs leaving you to pay the rest out of your pocket.

Finally, if what you are most worried about is losing the investment you have made in your travel (cruise, hotel reservations, etc), then you might consider purchasing travel insurance which allows you to insure a set value for your trip and also carries with it health insurance coverage. These policies are designed to make sure you are able to get money back from your investment in case you are injured and can’t continue your trip, a travel companion is ill, or even if you miss a connection and need to meet your cruise ship at the next port. If you think this insurance may be right for you, then we urge you to consider purchasing in right away since you can only get some benefits if the insurance is purchased within a week or so of your initial deposit on the trip.

Please feel free to call us with any questions you may have. We look forward to helping you find the insurance at the level that is right for you!

As an International student or as a exchange scholar planning to pursue your education in the United States, student medical insurance is required. Most student visas and educational institutions insist that visiting foreign students are covered by a comprehensive health insurance plan. Most domestic insurance plans from your home country will not cover you in the USA. At American Visitor Insurance, we offer plans that make insurance affordable to you.

StudentSecure insurance is a plan designed specifically to meet the needs of international students and scholars and meets or exceeds US government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, StudentSecure insurance has all the features you need. Two levels of coverage, Select and Budget options, ensure that you can find the appropriate plan. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism.

The plan also offers several useful Assistance Services, available around the clock. These services help you locate a doctor, learn about safety advisories and access other important services. StudentSecure insurance will support you throughout your study abroad program as you adjust to your new surroundings.

Buying your visitor Insurance online has several advantages. Listed below are some of them -

(a) The visitor insurance plan can be purchased within a few minutes
(b) Tools that we offer at American visitor insurance helps you compare plans and make an informed decision. This would take a long time if you were to talk to different insurance providers
(c) The Glossary and Frequent questions section on our website gives you resourceful answers to common questions that customer face
(d) Your online purchase happens on a secure page, and is safe
(e) Our customer support staff work hard to make your online experience a positive one
(f) You will get a prompt reminder about renewing your policy before the expiry date.
(g) There is no paperwork, and is environmentally friendly

Are you a researcher with a J1 visa looking for insurance for your time in the US? Here at American Visitor Insurance, we have a range of policies that are specifically suited to meet the J1 visa requirements for you and your dependents (J2 visa). Just visit our convenient J visa insurance compare engine to compare quotes for your and your family today. If you still have questions, please call us toll free at 1-877-340-7910 or email us at info@ americanvisitorinsurance.com today!

It’s back-to-school time! Worried about their overseas travel insurance plans? Don’t let your student go without health insurance! Put one worry aside and visit our website and compare a range of student policies that will cover your student while enrolled in a university overseas. Worried that the policy needs to meet your university requirements? Don’t be! Let our friendly customer service representatives check on the availability and make sure all the proper paperwork is taken care of for you. Call us toll free at 1-877-340-7910 or email us at info@ americanvisitorinsurance.com today!

Compare and buy visitor medical insurance plans online. The insurance plans that we offer on our website are underwritten by reputed insurers such as AIG, Nationwide and Lloyds. Visitor insurance provides medical insurance for tourists when you are traveling overseas visiting a foreign country.

If you plan to have family members such as your parents or friends visit you in the US either for a short-term or for an extended stay, ensure that you get good visitor insurance coverage for them. Get all the relevant details about tourist insurance plans and tourist medical insurance options for foreign visitor insurance coverage using our visitor insurance comparison tool.

The United States attracts the largest number of international students in the world. Studying in the US along with providing excellent facilities in the field of educational choice also gives students an excellent opportunity to interact with students around the world. However international students in the US should make sure that they get proper student insurance in the US. Why do students need to buy insurance ?

• International students (F visa holders) or visiting scholars (J visa holders) and their families or dependents are not covered under any kind of medical insurance plans either by the educational universities or the state/federal government in the United States.
• International students are not eligible for any of the state provided healthcare facilities that are provided only to US citizens

As a consequence of this, students who do not have proper insurance face the risk of having to undergo any medical treatment at huge expenses. Students can study with any health care related financial risks by purchasing good student insurance. We have developed a student insurance comparison tool, which helps students compare insurance plans based on premiums as well as coverage details. The student can compare as well as purchase the insurance online. Coverage can start as early as the following day.