The international travel health Insurance industry has grown hugely thanks to the growing number of visitors to the US and US residents traveling overseas. Travelers of all ages travel internationally, be it for business, vacation, higher education, visiting family or simply exploring a different part of the globe…There are several US insurance providers who offer comprehensive travel health insurance plans online which makes it easy for visitors to buy the plan quickly.
In today’s global village people travel overseas and to different corners of the globe for different reasons. In this context, it is common to see people of different age groups traveling to the United States. One of the most important things that they should be concerned is that of health insurance, commonly known as visitor medical insurance or travel health insurance as healthcare in the US is very expensive. Paying out of one’s pocket even for a minor medical expense is unimaginable for a visitor who is visiting from another country and is new to the US and its culture and lifestyle. One never knows what can happen while you are outside your home country.
During the summer months is when people travel overseas, in particular those who are visiting the United States and are unaccustomed to the cold American winters. Traveling outside your home country is not easy unless you are thoroughly prepared with all the required paperwork and planned your travel itinerary well. However what is often overlooked is travel insurance, remember, wherever you travel overseas your health insurance does not follow you abroad and is usually not valid in a foreign country. This is why you need to research and buy proper international travel health insurance which provides coverage in your travel destination.
Traveling outside your home country is very common now in today’s global village. People travel overseas as many have their children and families living in different countries including the US whom they visit, people also travel for their education and skill development, career prospects and work, last but not the least, people travel on vacations to explore new lands. Travel Insurance or travek health Insurance or Visitor Health Insurance is very important along with other important items one might consider. When it comes to travel insurance the health insurance that you might have in your home country is not of any use while outside your home country.
Traveling outside your home country is a novel experience to a lot of travellers especially if they are visiting their son or daughter in another country who has been overseas for some time. People might just want to visit their family abroad whom they have not met in a long time or they might just want to vacation outside their home country.
To make their visit memorable, it is important to ensure that all of their documentation is complete and that they have all that they need while they are outside their home country. Travel health Insurance commonly known as Travel Insurance or Visitor Insurance is one such high priority item that will put the traveller at ease, and something that he/she can rely in case of any medical emergency while in a foreign country.
Travel to another country can involve paperwork for passports and visa. Very important amongst all this is travel health insurance or visitor health insurance, however travel insurance can be purchased with ease online. The absence of adequate travel health insurance can make your trip a nightmare while having one can make your trip an enjoyable experience. One never knows when a medical condition can occur while you are outside your home country in a new place, new people, new culture.
Travel health insurance protects one in the event of unexpected illness or injury while traveling outside the country. It is a great opportunity to travel internationally but at the same time to make our travel and stay in an outside country an enjoyable and memorable experience purchasing travel health insurance is very essential. International Medical Group (IMG) provides several travel medical insurance plans or visitor insurance plans classified broadly into 2 kinds namely Fixed and Comprehensive. Let’s learn about the Visitors Care Fixed plan of IMG in more detail.
It is very common that we have customers who want to take part in adventure sports either as an unorganized activity just for the thrill of it, or as an organized event. People travel from different parts of the world to participate in these activities. Whether it is a sports activity for fun and thrill or an organized event, the most important issue to be highlighted is the need for travel insurance with sports coverage .There are various travel/health insurance plans that provide coverage for adventure sports activities but there might be some activities which these plans do not cover.
Health Insurance is one of the high priority items when it comes to travel outside of the home country. There are many health insurance companies which provide short term insurance for foreign nationals during their stay in the US or outside their home countries. Having health insurance is a good thing but what if a person has two plans? Does it mean they are covered for double the coverage in terms of benefits? Not exactly, but having two health insurance plans does help to cover the medical expenses better through co-ordination of benefits provision. You might be thinking that why there is need to buy two plans when we can have one plan and get the necessary coverage.
Travel health insurance which includes medical evacuation is a high priority and should be considered before traveling overseas, especially to countries where health care outside the big cities is patchy. A review of available travel insurance options is an important part of any pre travel consultation. Medical care overseas for medical emergencies might involve paying through cash or credit card at the point of service and this could be a large out of pocket expense in thousands or tens of thousands of dollars.
More than a billion people currently live outside the country of their birth. People are living and working outside their home countries in numbers like never before. All of this results in people travelling outside international borders regularly for reasons like education, vacation, business, visiting family members... As a consequence of this regular travel, there is a tremendous need for the health insurance industry to provide travel health insurance for international travellers. There are numerous American travel health insurance providers selling health insurance plans for international travellers. However, there are many terminologies that we come across while choosing a plan for us which can be confusing for people outside the insurance industry.
Greetings, fellow travelers! I recently purchased a trip insurance policy for myself and researched all the available options on our site here at American Visitor Insurance. I thought I would share my results with you all to give some insight on these plans, their purpose and what to look for. Firstly, you may ask: Why purchase a trip insurance policy? What is the difference between these and travel health insurance? Well, a trip insurance policy allows you to insure a value which you paid for the trip. You purchase the policy in advance and then, should something happen to prevent you from going on your trip, you would get your money back that you would have lost since you were not able to go on your trip.
Health Insurance is now an integral requirement for international travel, and given the myriad options available online it is not an easy decision. However, it is important to take care of this before you travel as healthcare and medical help is very expensive in foreign nations and your domestic health insurance plans travel with you overseas. There are many private insurance companies who offer visitor insurance also commonly known as visitor medical insurance. With so many choices of plans online, it gets a little tricky to select the right plan for your specific situation and needs.
People come to US on various purposes like research, higher education, business, vacation, job, visiting family... There are times when people come on visas like J1, F1…with their spouses on J2 and F2 accompanying them to the US. Normally the J1 and F1 holders who are the primary holders get health insurance coverage from the University or School that they are enrolled in. Sometimes they go in search of private health insurance plans which satisfy the requirements of the University/School and any insurance needs of the visa that they hold.
Confused whether you need to buy Trip Insurance or Travel medical insurance or long term Global health insurance? If you have planned an expensive trip or a cruise vacation and want to ensure that your trip expenses are insured, then you should buy Trip Protection insurance. Trip protection insurance is also commonly known as travel insurance or trip cancellation insurance. This insurance comes into play should your trip be cancelled or interrupted for any reason, then this insurance will reimburse the eligible pre-paid and the non-refundable portions of the trip.
Here at American Visitor Insurance we are always striving to get you the best options possible for your travels or for your visitors! We recently added a new policy to our line up and we'd like to introduce you to it! We have teamed up with Trawick International to offer a new array of traveler and student plans. One of their policies we find quite note-worthy since it offers the highest coverage for pre-existing conditions that we have found for persons over 70 years of age. Their policy called, Safe Travels USA Comprehensive, is for non-US citizens visiting the United States.
Every year people from all corners of the globe visit the United States just as Americans travel overseas. The reason for international travel can vary such as for business, vacation, visiting family and friends, education, research… However what is often overlooked but is actually extremely important is international travel insurance. Travel health insurance is also popularly known as visitor medical insurance or simply visitor insurance.
Spring feels just around the corner when I get call after call asking questions about insurance to cover maternity costs. It warms my heart a bit and makes the cold of winter a little easier to bear! Since many companies have recently cut or reduced their coverage for maternity, I thought it timely to write something on this topic! Since we focus on short term policies on our website, I'll start with those, but in this case, the best coverage comes from long term, international plans which I will list at the end.
There are about 500,000 Canadians who escape the harsh winter and head South to the United States. These Canadian snowbirds specifically come to the states Florida, Arizona, Texas, Hawaii and California which are considered the top 5 snowbird destinations. We all know of the very expensive health care system in the US. Should you fall ill or get injured, the out of pocket medical expenses can be financially crippling if you do not have sufficient travel medical insurance or travel health insurance.
To study in a foreign country you must make sure that you have adequate health insurance. This is to cover your medical expenses that can be a nightmare in the absence of a student health insurance plan. You need a reliable health insurance plan that can give you adequate coverage and benefit options according to your requirements. Study USA plan offered by Travel Insurance Services provides medical coverage with excellent network of health care providers and satisfies the basic University requirements for International students.
Patriot Exchange student insurance is offered by the International Medical Group (IMG) and is designed for students participating in educational and cultural exchange programs abroad. This is a per injury sickness plan and satisfies the US J1 Visa requirements. This plan has a policy maximum of $50,000, $100,000, $250,000 and $500,000. The plan has a deductible of $100. Repatriation available for $25,000 and medical evacuation of $50,000 for exchange visitor to his or her home country.
Studying abroad is a very positive experience, something all students will look back with very fond memories. Studying abroad is a wonderful opportunity to experience a new culture and learn a new local language and new traditions which along with the college education adds to the memorable experience. If you are a person who loves to explore and visit new places and know about the history and culture and conduct research of any sort then this can be your dream come true!
The United States has the world’s largest international student population. There are over 800,000 students coming to US for their higher education and to broaden their life experience in the US. About 31% of the total international student population is from China and about 16% is from India. The rest of the population is spread out between students coming from Saudi Arabia, South Korea, Taiwan, Brazil, Japan, Mexico... This number has been growing every year.
The American Health Care system is one of the best but also among the most expensive systems in the world. Health Care for even a minor illness or accident can cost tens of thousands of dollars. One of the high priority requirements for international students is to get quality health care while they study in the US. Most colleges and Universities in US offer general health insurance for international students in which the coverage varies from basic medical care for minor sickness or injury to major sophisticated multi doctor primary care centers, X-rays, lab tests, prescription drugs...
One of the important high priority things to students coming to the US is health insurance plan to cover them in US during their stay in the US. International students from outside come to study in a number of US Universities on F1 Visa. Sometimes we have the F2 Visa holder who is the spouse of F1 accompany their spouse to the US. The catch is to find the right insurance plan that fulfills their needs and satisfies any University requirement that is mandatory.
Americans continue to travel around the world in very large numbers. Despite recent acts of terrorism in different parts of the world and increasing violence in tourist spots, people enjoy traveling overseas. Thanks to the internet, and ease of buying airline tickets and hotel reservations, savvy travellers even change their travel plans on short notice based on sudden changes and varying exchange rates.
I know that our website name is "American Visitor Insurance", but we actually serve a wide array of travelers. You do not need to be anywhere near the US borders to use our insurance! In particular, we have many customers from across many seas who use our website to purchase insurance to meet Schengen visa insurance requirements.
When it comes to international travel, there are more places to visit than ever before! Europe however remains one of the favorite destinations for Americans. Many Americans have their roots in Europe, and would like to visit the land of their ancestors. Europe remains a hot destination for several different reasons such as it history, culture, diverse culinary choices, wine, beaches to name a few. This range of options attracts tourists with eclectic tastes.
Are you looking for a travel health insurance for an older traveller? A senior citizen who is in his/her late 70s to visit the United States? Then you will find the following information useful and helpful for your situation.
International Travel Insurance plans are normally for people traveling outside their home country. There are US citizens who are residing outside the USA and visit US for short durations visiting family, for holidays, business, during Christmas and Thanksgiving holidays or other similar occasions.
People from foreign nations visit the US for different reasons be it a vacation, spending time with kids and grandchildren, education, work, research, sporting activities and more. It is obvious that they need good medical insurance to cover them for any new sickness and injury that they might encounter during their stay in the US.
The poor nation of Haiti and the United States was recently lashed by hurricane Matthew. The hurricane which reached the category 5 Atlantic hurricane is the most powerful hurricane since hurricane Felix in 2007. In Haiti this hurricane resulted in more than 800 deaths.
European countries such as France, Switzerland… are very big tourist attractions for people all around the world, particularly so for US citizens, most of whom have roots in Europe. Europe is attractive for Americans to explore their roots, get an insight into the rich European history and culture.
The F1 Visa is issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary, conservatory or a language training program in the US. For any dependents like unmarried children under age 21 or the spouse who accompany F1 Visa holder will be issued F2 Visa during their stay here in the US.
Diabetes commonly referred by doctors with the medical terminology Diabetes Mellitus is a disease where the person has high blood sugar level either due to body’s inability to produce adequate insulin or the body cells do not respond to insulin properly. Initial symptoms include frequent urination, increase in thirst and hunger.
In health insurance parlance a pre-existing condition is a health ailment that already exists whether or not it has been diagnosed and being treated for before the customer purchases health insurance plan. A pre-existing condition could be any condition as common as and as serious as heart disease, high blood pressure, cancer, type 2 diabetes and asthma. These are some chronic disorders that affect large part of the population.
The Global travel and tourism is expected to grow by 3.3 percent in 2016 faster than the predicted United States GDP growth of 2.3 percent. The increase in Asian travelers especially from India and China are accounting for this increase. The US is also expected to contribute strongly to the international travel thanks to the strength of the US Dollar, in particular when compared to the Euro.
In today global village, it is very common for vacationers to travel outside their home country. However, please remember one important point - If you cannot afford good visitor travel insurance then you simply cannot afford to travel. Travelers from different parts of the world who are traveling to the United States should be aware of this fact given the costly health care system here.
US citizens and US residents traveling overseas need to complement their US domestic health insurance as it usually does not cover them overseas or will have a very minimal coverage rendering it of little value. The US Medicare coverage also has minimal cover outside of the US.
US citizens are generally not required to have international travel insurance when going to European destinations. However, an exception to this is if a person is seeking a long-term visa (3 months or more).
Good news! At present, the US dollar is very strong against other currencies, even the Euro! Hopefully, this will mean that more of us can make the jump over the pond for some new foods, culture, and adventure! If you are planning such a getaway and think you want to spend some significant time over there, you should know that visitors are required to have health insurance coverage in Europe.
There has been much media coverage of a British couple who’s baby was born 11 weeks premature while they were on a five day trip to New York City (story broke Jan 2, 2015, BBC News Lincolnshire “Premature baby couple ’stranded in US' after birth"). Baby Dax weighed in at only 3 lbs and was last reported as being in good health. However, the five day trip turned into a possible three month stay (they were allowed home Feb 6, 2015 in a medically equipped jet: this, by the way, is called emergency medical evacuation).
I get many calls each month from visiting scholars looking for coverage for their spouse and/or dependent children. This is a more difficult issue since most policies require the J1 scholar to be the primary on the policy (that is the first person named on the policy). There is one policy which allows the J2 spouse and/or children to be placed as primary policy holders. This policy is called Patriot Exchange and is offered by International Medical Group (or IMG).
The US Department of State has changed the J visa requirements for medical insurance! Here are the new requirements for the visa:
The policy must provide medical benefits of at least $100,000 for each accident or illness. This refers to the policy maximum.
We at American Visitor Insurance have been fortunate to help many organizations get health insurance for their participants. If you have a group of 100+ participants, contact us as soon as you can and we can get specific, custom quotes for the needs of your group.
We have a segment of clients that are US citizens who live abroad but come back to the US for short visits. This can be tricky because many companies will NOT cover US citizens at all while in the US regardless of where they spend most of their time. Please note that this includes persons with dual citizenships. If only ONE citizenship is US, then I would err on the safe side and purchase a specific policy for these individuals AND put the US passport information clearly on the application so there are no issues down the road should a policy need to be used.
F2 Visa Insurance
We get many customers that are interested in purchasing insurance for a dependent while they are on an F1 visa. The dependent, on F2 visa, can purchase insurance for themselves. The only issue becomes what the requirements of the institution for the insurance. If the institution has no particular requirements, then the person on F2 visa can purchase any policy available to a visitor. If there are specific requirements, then you might want to call one of our customer care representatives who can help you choose from appropriate policies.
A new deductible must be paid for each sickness or injury incurred by the insured. The likelihood of this is not very high, nor do we hope for multiple injuries and illnesses in the first place. Also, note there can be exceptions made to the rule.
For example, on policies which cover pre-existing conditions on a per incident basis, they often have a maximum lifetime limit for the pre-existing condition.
I get many calls from customers carefully reading fine print on policies asking about special deductibles for emergency rooms and limitations for emergency room coverage for persons not admitted into the hospital. To those customers, I would firstly say: Good job!! Reading the fine print is a very good idea and understanding it even better. So I do not mind these calls in the least. It shows a very savvy consumer and I am more than happy to assist them in understanding these fine details.
These policies are for short and long term visitors and can help fill the gap in coverage from when your special someone arrives in the US until you are able to put them on your domestic insurance policy. While employers are required to allow spouses onto a policy (a marriage qualifies as a special event, by the way, and they have to allow you to add them even if it’s not time for your plan’s open enrollment), some of them now have a few month waiting period before you are allowed onto a plan.
A recent survey by AA Travel Insurance showed that over 4 million British travelers went without medical insurance while traveling outside their home country (as reported in the International Travel and Health Insurance Journal, Issue 164). Many thought that insurance was not needed while traveling within Europe, although nearly 10% reported having to pay for medical expenses while on their holiday. Furthermore, according to Sainsbury’s Travel Insurance, the average cost of an overseas medical claim for British travelers was £1,088. The average claim in the US, however was more than double this at £2,851, by far the highest average of the 9 countries listed.
We get thousands of customers each year asking about health insurance policies which satisfy Schengen visa requirements. The Schengen visa allows travelers to travel between and among various European countries and kingdoms. It has made travel within Europe easier since each country does not require their own visa (with their own requirements).
Persons which hold Green Cards have particular options for visitor health insurance. Unfortunately, these options (more like limitation) are not obvious from the brochures and information about the many visitor insurance policies that are available.
The worst situation would be to purchase a policy and then come to find out that you will not be covered because you were not eligible for the policy in the first place.
Many savvy travelers are looking for coverage for what are called “Pre-existing conditions”. I call them savvy simply because many policies specifically exclude pre-existing conditions from ANY coverage.
So, if you have a visitor with some condition that you are concerned about, it will be worth your time and peace of mind to check policies that will cover these conditions. Fortunately for our customers, companies are competing heavily in this market and there are several new options to consider.
Going on a vacation is such an exciting prospect that we often forget about the most important thing associated with a safe and secure trip - purchasing travel insurance.
Sure, nobody wants to think of facing unpleasant situations when all one wants is some fun on a trip to the US. But we all know just how necessary it is to purchase travel insurance for ourselves and for our loved ones.
If you are planning to pursue further studies in the US, it is definitely a good decision. You will meet with people from various countries and experience different cultures and traditions. You may also be able to learn a foreign language!
The number of international students travelling to the US is increasing. This is no surprise as students passing out of US universities are highly preferred by employers worldwide.
The International Travel & Health Insurance Journal has recently summarized some research by an Australian financial website listing the main reasons why insurance claims are rejected (ITIJ Issue 157, 2014).
The top reason for an insurance claim to be rejected by a travel insurer is that the policyholder was intoxicated at the time of the accident or injury occurred. This is why it is very important to fully understand the limitations of a policy before purchase to understand your risk and not get surprised by a rejection
A recent New York Times article by Tim Gray (NY Times 2/22/2014 page B4) highlighted the issues that a retiring couple can have when considering retiring abroad. Health insurance, as it turns out, may often be a stumbling block to realizing this dream.
One main reason US citizens desire to retire abroad is the hope that their dollars will go further in a different country's currency.
No matter what your age, American Visitor Insurance has some medical insurance options for you! However, at certain age brackets the options do become more limited which is why I have put this article together.
For persons in their 60s, there are still many options available with up to $1,000,000 policy maximums. In this group, you can also get fairly good coverage for sudden and acute onset of pre-existing conditions with some plans.
When you are planning to visit the United States, there are some important facts you should know before your trip. Any foreign country you are visiting can be different not just geographically but also culturally, weather-wise, lifestyle, foods, and (most appropriate for this article) healthcare system.
You need not fully understand each and every aspect but a basic understanding can help you avoid trouble.
The United States has always been a popular student destination for students from around the world. The increase in international students to the USA is estimated to be 5% every year.
The high quality of education in US universities is the most important reason for international students choosing USA, with priority given to an interdisciplinary approach, student participation, and critical thinking.
Firstly, let us define what fixed and comprehensive plans are. They work quite differently from each other.
A fixed plan also called scheduled benefits plan is popularly known as fixed, because the insurance company has limits placed on what they will pay for each medical expense. A comprehensive plan offers much more complete coverage.
New York city despite the title above is a city which really needs no introduction. Popularly known as 'The Big Apple', New York city houses the United Nations headquarters and is arguably the most cosmopolitan city in the world.
New York city which is in New York state in the northeastern part of the United States of America has nearly 20 million residents and is the most populous city.
El Pueblo de Nuestra Senora la Reina de Los Angeles translated, this Spanish phrase means "The Town of Our Lady the Queen of the Angels". A little wordy for the Twitter fanatics of today, but there you have it - the original name for one of my favorite cities - LA, a city that I have had a crush on for years - long before I even set eyes on it.
Being a huge fan of Hollywood and movies like 'LA Confidential', and 'Chinatown', as well as of shows like "Six Feet Under' and 'Entourage' I simply love the way the city looks.
The US health care system is one of the most sophisticated but also unaffordable (for an uninsured) systems in the world. The expensive health care system in America has made insurance coverage a necessity for one and all.
This is particularly true for those who are visiting America who simply cannot afford to neglect the need for insurance in case of hospitalization. Hospitals in the USA will ask for insurance document while admitting a patient.
American travelers going to Mexico can refer to the details given below while planning their holiday there. A lot of Mexico specific information is available online however these are some important tips for travelers from USA.
In the month February, merry carnivals take place with the symbolic burning of evil spirits, with parades of floats, the crowning of the king and queen and lots of music and fun.
American travelers are the highest spenders among vacationers across the globe. It is believed that more than $100 billion is spent by the US traveling population for their holidays at overseas destinations.
The growth rate is said to be about 3.3% annually by Americans to foreign countries. US passports are required to visit Mexico and Canada and more than 30% of population in the USA hold passports and this is going to increase in the coming years.
The travel and tourism industry statistics in the USA recorded 62.7 million international visitors in the year 2011 and the trend continues to increase. The top inbound markets continued to be Mexico and Canada.
There are other countries like India, China, the UK, Australia, Russia, Germany, France. from where visitors contributed to these figures. There is an average 5% increase on the total number of travelers coming to the USA.
The H1B visa is a non-immigrant visa in the USA given for professionals who work in speciality occupation, required higher education or its equivalent.
Those coming to the USA as fashion models of distinguished merit or government-government research and development work, co-production projects administered by the Department of Defence can also apply for the H1B visa.
When you are in the USA irrespective of the reason of your visit, it is important not to ignore travel medical insurance coverage. International visitors in America are not entitled to buy domestic health insurance programs but they can buy visitor travel insurance.
There are different types, coverage, restrictions... under travel health insurance plans and it can be best understood by comparing quotes and benefits online.
Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions.
There are travel health insurance plans designed specially with pre-existing coverage.
The most important question asked by customers and the interpretation of pre-existing conditions can vary slightly from insurer to insurer.
The US president Mr Barrack Obama has recently proposed a comprehensive reform for US immigration as one of the top priority tasks for his second term. The reforms in the US immigration laws can strengthen the economy of the country as well provide further security for immigrant community.
The president has called that the reform has to be achieved collectively which requires responsibility from everyone.
Travelers visiting the USA need a visa to enter the country from outside the country. The American embassy or the consulate office located in your home country can process your visa application and issue a visa based on the nature of your travel.
There are different reasons why your visa application can take time to be processed. The B1 and B2 visitor visas are given for foreign citizens coming to the USA for temporary stay.
When you are traveling to the USA for the first time or when you have your parents coming to stay with you, the immediate requirement is the tourist visa and after that an adequate travel medical insurance coverage for the entire period of stay. immigration-insurance.gifUS visa permits for travel and short term temporary work are issued at the nearest US embassy office in the home country of the traveler.