American Visitor Insurance - Blogs

We often get customer queries from older travelers visiting the US for different occasions, for different duration of stay and they usually are of diverse age groups. US Travel health insurance is such an important requirement particularly in the US that travelers should understand their options and buy the best visitor health insurance plans commonly known as travel insurance plan for their needs.

Pre existing condition is a health condition or a health issue that has been existing in the individual, before the individual has purchased or enrolled in a health insurance plan. This means it has existed at the time of application for the insurance plan or immediately for certain period of time preceding the application of individual for travel health insurance plan. Pre existing condition coverage is definitely an important feature that is part of any travel health insurance plan. Travel health Insurance plans normally exclude coverage for Pre existing conditions.

We have some exciting news to relate to you regarding a new plan with the most extensive coverage of pre-existing coverage we know of (and maybe on the market)! The company is INF and their plan is called Elite Network. It is only for travel to the USA and must be purchased for three months or more, but it promises “full” pre-existing condition coverage AND it is available for clients from ages 0 to 99! How can they promise that? What does it mean? Read on and I will explain.

Since the announcement that new immigrants into the US should not impose a burden on the healthcare system of the US by President Trump on October 4, 2019, we have seen the calls, emails and general inquiries for visitor insurance, particularly for new immigrants explode! While the proclamation seems to apply only for persons seeking permanent resident status (an eventual “green card”), it seems that consulates all over the world, particularly in Latin America, are applying the rule for even tourist entry.

They must show the ability to pay for medical costs when they become permanent residents of the US. The proclamation which will become officially effective on November 3 has ordered consular officers be sure applicants will be covered by health insurance or show they have the financial resources to pay for future medical costs.

The US government has issued a proclamation on October 4th 2019 that proof of proper US immigrant health insurance is required to be issued US visas to enter the country. The proclamation states that this new rule will become effective from the 3rd of November 2019.

Fixed benefit plans are the most affordable international travel insurance plans. These fixed affordable health travel insurance plans are cheapest but provide limited cover for unexpected sickness and injury while outside ones home country.Most of these fixed benefit affordable world travel insurance plans are per injury plans. Per injury/sickness plans set the policy maximum back to the original amount which is used in case of a claim expense.

Whether its the Eiffel tower in Paris or the museums in Madrid, Europe has always been the best place of tourist attractions and continues to be the popular tourist destination. As a result there has been a steady increase in visitors to Europe. Get to know different cultures, new cuisines, and spending time in a new country develops a sense of understanding about different lifestyles which broadens one horizons and can inspire in a positive way.

There is no one way to compare travel insurance plans. That is why we, at American Visitor Insurance, put so much information into the search engine results when you enter information and ask for a quote. It really depends what is more important to you. For example, if you are going on a family vacation with grandma and you are worried about grandma’s health situation and feel if she is not well and cannot travel, then you should purchase a trip cancellation policy for the whole group of you.

There are always bad reviews to read (some of them are quite scary) about insurance companies. Some people may read these and feel there is no point to getting health insurance for a trip. I hope you do not fall into this category; the fact you are reading our website suggests you are at least interested in making such a purchase. There are many problems with online reviews. There is no way to know if they are real complaints or just trolling.

Fixed benefit Travel insurance plans are also known as scheduled benefit plans. They are limited in their coverage. They are low priced and highly economical and are attractive for the customers. Taking a deeper look, Fixed plans set a fixed amount for each and every benefit. Co insurance is not applicable to these plans as they do not pay any percentage amount for the benefits provided. Policy maximum values for these plans are generally $50,000 and $100,000, but the claims are not paid up to the policy maximum for every benefit.

Yes, you can get temporary US health insurance which is also known as short term visitor health insurance or travel health insurance. This short term travel insurance is often needed for travelers visiting the US. visitor health insurance plans cover unexpected sickness and injuries shielding the visitor from expensive medical bills that otherwise need to be paid out of pocket. There are different plans available depending on the travelers visa status and individual needs.

International travelers look for good travel insurance plans, that provide adequate coverage while they are outside their home country. People in the age range of 50 - 99 are also looking for coverage for pre-existing medical conditions. Many US insurance companies provide visitor travel health insurance plans for short term travel outside one’s home country.

International student health insurance plans are required by foreign students who pursue their higher education outside their home country. The US is one of the most popular destination for Masters and Doctoral programs for such students. The universities in the US usually have a mandatory health insurance requirement. While the Universities often insist on specific university health insurance plans, they offer students the option of buying student insurance outside the university plan if it satisfies university requirements.

It is strongly recommended that backpackers buy travel medical insurance. Something may go wrong when you are travelling which thanks to Murphy’s law , without insurance can be traumatic and end up in huge financial mess. Smart backers buy international travel insurance that cover expenses from hospitalization due to sudden sickness or accidental injuries. Travel insurance plans also cover loss of passport, trip delay, trip interruption.

Travel insurance essentially insures the health of the traveller will sometimes also offering other coverage for the costs of travel. Visitor medical insurance is temporary health insurance that takes care of medical unexpected expenses of international travellers while in a foreign country. It takes care of expenses that are incurred for unexpected sickness or injury or any emergency medical situation.

International travelers visiting the US are traveling away from their home country to a foreign country, where they need to take care of many things amongst which health insurance is a very essential requirement. The domestic health insurance from one’s home country might not provide sufficient coverage in a foreign country. In particular the US is known for it's expensive healthcare system for visitors and it is very important to make sure that our US Travel health insurance is taken care of to make us feel safe and secured in a new unknown place.

International students who enroll in the US Universities as well as US students studying outside the US have to satisfy one important requirement of the University, which is to have adequate health insurance. International students are not eligible for the domestic health care options and they need to buy health insurance that satisfies the requirements specified by the University. Most Universities in the US have student health insurance plans which the student can buy to qualify for basic health coverage.

In light of the pandemic, the United States has banned all international travelers from arriving to the U.S.A. from United Kingdom, Ireland and 26European countries but with the exception of US citizens and Green card holders.

Here's a short blog to answer some questions about "home" country and "destination" country issues that come up in customer care fairly regularly. Our plans are for travel away from your home country. They are short term policies meant to cover you only while on your vacation or travel abroad. They are not meant to cover you while you are "home". But what does "home" mean? Your "home" country is often defined as where you have your true fixed residence where you receive mail. Easy, right? Well, this can be a bit more confusing for someone who has been a student (for example) for 4 years in a different country.

There are several thousands of travelers coming to the US every year. Many of these visitors are visiting for short stays while others come to live longer in the US. One significant group traveling to the United States are prospective immigrants. These are people who come to the US and over time settle down permanently in the US as immigrants. They initially come as temporary residents to work, study or do research and then apply for the permanent residency in the US.

Today I am going to talk about the timing of getting your travel health insurance. We get many calls from people who are already on their trip (here in the US or abroad) and wonder if they can “now” purchase visitors medical insurance. Of course, we recommend that you purchase your visitors insurance after you have your tickets and travel dates in order so that you are covered from the moment you leave until the time you return (for tricky time zone issues note that all policies begin and end using Eastern Standard Time). However, you can still purchase insurance once you are on your trip.

While we have looked at many visitor insurance plans for seniors visiting the US, let us look at this option of international travel insurance ideal for US permanent residents and citizens. Traveling outside the country is a big deal in itself to worry about and it medical uncertainty is definitely not to be ignored. Globe Hopper Seniors travel insurance plan is ideal for seniors leaving the US to travel outside. This plan provides affordable market leading coverage which gives protection for medical related matters while traveling outside the US.

To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitor travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury. We come across many travelers especially older travelers, who along with visitor insurance are suffering from existing medical ailments. In other words they need coverage for acute onset of an pre-existing medical condition. Obviously, this condition is of higher concern while traveling to a foreign country.

International travel has become a fairly very common activity today with people from different age groups traveling across countries while wanting to create memorable memories depending on the occasion. People even in their 60s and 70s travel quite often outside their home country. This might not be such an easy decision for some, given the concerns of safety and health. Given that at this age, travelers cannot take their health for granted it is important to take a careful view while traveling long distances.

International students in the United States after completing their required academic coursework (some students choose to graduate, but others might not have formally graduated) but are still in their US international student F1 visa status will enter the Optional Practical Training (OPT) program. As part of the OPT program, international students are temporarily employed in their major area of study and OPT is the work permit for them to work in their specialized field.

Expatriate health insurance plans are in huge demand for both US citizens and foreign nationals travelling worldwide. Geoblue, the insurance company provides the Explorer suite of plans that are available for US citizens, permanent residents, US legal residents travelling worldwide and foreign workers in the US.These plans are long term global plans available from age 18 up to age of 74.