When international students come to study in the United States, they need to get insurance to cover their health for the duration of their stay in the US. This is often a requirement from the University, however even if the college does not insist on insurance cover, it is strongly recommended that all students get good student insurance. Health care expenses are very expensive in the USA, and it is not worth the risk of being uninsured while studying here.

At American visitor insurance , we work with several insurance providers to give students a wide range of options when purchasing student insurance . We have developed a student insurance comparison tool which allows students to compare insurance plans offered by different insurers, and purchase the plan that suits your budget and needs best.

Travelers to America who suffer from pre-existing medical ailments have very limited insurance options for their existing medical ailments. The following are some of the plans that provide some coverage for these travelers:

Inbound USA is an affordbable fixed benefits plan for visitors with pre-existing ailments. The Inbound USA plan covers pre-existing ailments up to $5,000 in coverage for Myocardial Infarction (heart attack) or Stroke. The Inbound USA insurance plan can be purchased
online at - Buy Inbound USA insurance online

Liaison Majestic Plan:
Liaison Majestic insurance is a comprehensive plan which covers pre-existing conditions for US Citizens who are covered outside US and Canada up to $20,000 and for
Non-US citizens, the coverage is Up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. The overal Maximum Benefit is $3,000.
The Liaison Majestic plan can be purchased at Buy Liaison Majestic insurance online

Atlas America Plan:
The Atlas America insurance is a comprehensive plan which covers pre-existing conditions up to the age of 70, for Acute Onset of Pre-existing Condition. Coverage is available up to $15,000 for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. The Atlas America plan can be purchased at - If under age 70, you are covered for Acute Onset of Pre-existing Condition. Coverage available up to $15,000 Max for Eligible Medical Expenses and up to $25,000 The Atlas America Plan can be purchased at Buy Atlas America insurance online

You can get quotes and compare pre-existing condition plans at our pre-existing condition compare tool

Visitor insurance is necessary when traveling to the US or Canada given the high costs of medical care in these countries. However while purchasing visitors insurance, it is important to be aware of all details of the insurance plan, in particular any exclusions or limitations.

Visitors insurance usually will not cover preventive care or cost of treatment for pre-existing conditions. Visitors are usually not sure of the definition of pre-existing conditions. Even though, different insurers can vary on their interpretation of pre-existing ailments, given below is a definition that will be accepted by most insurance companies definition of a pre-existing ailment.

Definition of Pre-existing condition
A Pre-existing Condition is any illness, injury or mental or nervous disorder that, with reasonable medical certainty, existed on or at any time prior to the initial effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the application or on any claim form or otherwise, including any chronic, subsequent or recurring complications or consequences associated therewith or arising or resulting therefrom.

It is always recommended that you look at the policy brochure for the specific definition of clauses such as pre-existing ailments for given products.

There are a few plans that provide some limited coverage for pre-existing conditions. We have developed a utility which will allow you to get quotes and gives specific details of pre-existing condition coverage. Please use our Pre-existing condition coverage insurance comparison tool.