Visitors Medical Insurance for parents with pre-existing conditions

Compare and buy best visitors insurance for pre-existing conditions coverage

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Visitors Medical Insurance for parents with pre-existing conditions

medical insurance for parents

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. Parents 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 travel medical insurance for parents while traveling long distances.

Let us look at the situation of elderly parents visiting the US to see the future generation of their family and to spend some with them . They normally are in the age range of 55 onwards. This is the time when people develop certain health conditions depending on their busy lifestyle and other factors.

This indicates the possibility of an existent health condition commonly known as pre-existing conditions. Visitor health insurance plans are available in the market but it is important to choose a health insurance that covers pre existing conditions plan carefully with sufficient coverage. An extremely important point to note is that the coverage for pre-existing condition is available only for the acute onset of the pre-existing condition.

Any prescription medication or any kind of routine checkup or maintenance work that is associated with the condition, will not be covered. The visitors medical insurance coverage for acute onset of pre-existing condition varies with the age. It is available to its maximum limit up to the age of 65 or 70 after which it reduces in some plans and is excluded in others.

Most people are not very clear about the meaning of the pre-existing condition. It is a health condition that the person has already been diagnosed with before the insurance becomes effective. Insurance companies use "look back " period for determining if the condition is pre-existing or not. American Visitors Insurance website provides an excellent quote compare facility to buy health insurance for people with pre existing conditions with the required input in the form and view the available plans for the input provided. This makes it easier to filter the visitor insurance for parents according to the information in the quote form.

The age, preferred start and end date during which the plan will be effective, preferred policy maximum, preferred deductible, citizenship and destination are the details required in this form. Getting quote for best medical insurance for parents with pre existing conditions on this input ,will show a summary page which consists of the available plans for the entered information along with their price information for the given duration. Changing the deductible value or the policy maximum option will result in a premium price change accordingly. The equation between the deductible and the premium price is inversely proportional. Lower the deductible, higher the premium price.

Some of the most popular visitors insurance with the coverage for pre-existing condition would be:

For people up to the age of 65: Almost all the comprehensive and fixed benefit plans cover pre-existing condition up to this age. Patriot America Plus, Travel Medical plans, Atlas Travel plan, Atlas Premium America plan, Safe Travels USA Comprehensive plan are some of the popular comprehensive plans that cover pre-existing condition.

For people above 65: Atlas America and Atlas Premium America are the plans that cover pre-existing up to age 80. Safe Travels USA Comprehensive cover up to the age of 89.

Please note that any existing condition that is considered chronic is excluded from coverage. It is recommended to purchase comprehensive travel medical insurance plans as opposed to a Fixed benefit insurance plan due to it's limited coverage.

Advantages of buying travel Insurance in the US when compared to Indian travel insurance options

Purchasing best health insurance for parents provides coverage that is custom designed for the US healthcare system. Local US healthcare knowledge and network ties are hugely beneficial while navigating the US healthcare landscape. Health insurance for visitors to USA with pre-existing conditions integrates seamlessly with local healthcare providers and will be advantageous for your expenses. Most US travel insurance plans have a network of healthcare providers (PPO network) within the US. This network facilitates a significantly lower billing for hospitalization costs as well as manage the direct billing arrangements and provides easier access to medical services.

It is much easier dealing with a US-based insurance provider as they offer the advantage of easier communication due to language and time zone proximity. US-based travel insurance providers have a better understanding of US laws and regulations governing insurance simplifying the claims processes. US travel insurance plans provide comprehensive global assistance services, 24/7 support including emergency medical evacuation. US travel insurance providers also offer specialized coverage that cater to specific needs of international travelers, such as coverage for pre-existing medical conditions or for extending the trip and renewal of an existing policy.

01. Will travel insurance for parents from India to USA cover everything?

Travel insurance for parents from India to USA vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the travel insurance plan covers. Health insurance for parents with pre existing diseases to USA from India typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.

Common Inclusions in travel insurance from India to USA for Senior citizens:

  • Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
  • Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
  • Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
  • Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.

Common Exclusions in the best medical insurance for visitors to USA from India:

  • High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
  • War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
  • Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
  • Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.
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Medical evacuation

Medical evacuation expenses to nearest facility included.
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Repat of remains

Repatriation of remains to home country included.

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Find out more about Pre-existing condition visitors insurance

Frequently asked questions?

01. What is a pre-existing condition for travel health insurance?

Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Know more.

02. Are there any medical tests required to buy pre existing visitor insurance?

No , there are no medical tests required for purchasing visitor travel insurance to USA with pre existing conditions.

03. Which are the best insurance for parents visiting USA that cover Pre - Existing conditions?

The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.

04. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?

Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.

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Travel insurance for acute onset of pre-existing conditions

Steps to buy
Best medical insurance for parents with pre existing conditions online

 1: Finding the available US travel insurance plans

Complete the travel insurance to America quote form with details of the traveler and insurance requirements.

 2: Compare the different travel insurance options

Compare prices and benefits of the different travel insurance for visitors in us to find what fits your needs best.

 3: Buy the travel insurance that you like best

Buy the insurance for travelers to usa that fits your needs and budget best by completing the online application.

 4: Review visit usa insurance documents received by email

Review the medical insurance for visitors to usa documents for coverage details and contact numbers

us visitors insurance online

Factors that determine the cost of best health insurance for pre existing conditions plans

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation

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