such as the age of the traveler, ages of the spouse and dependents if applicable, the travel start and end date which is the insurance coverage period, the country of citizenship and the destination country (required to validate that the traveler is outside one’s home country), preferred medical maximum coverage amount, preferred deductible. These details are used to display the plans, benefits and prices of the available visitor insurance plans. These visitor medical insurance plans are further classified as either Fixed Benefit or Comprehensive based on their coverage.
Fixed Benefit plans provide coverage for acute onset of pre-existing conditions up to the policy maximum subject to the sub-limits for each benefit. Only the plan offered by Trawick International
- Safe Travels visitors to USA
provides any pre-existing condition coverage after the age of 70 years . This plan has reduced coverage up to the age of 89 for acute onset of pre-existing condition. It must be noted that while Fixed benefit plans are cheaper they are limited in their benefits beyond the coverage limit for every benefit.
INF Travel insurance
gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. These plans cover all pre existing conditions including blood test, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. There fixed and comprehensive plan options available. However, comprehensive plans are the most recommended due to their flexibility in benefit coverage.
INF Elite plan
: This is a comprehensive plan and is the plan with excellent coverage. This plan provides a maximum of $25,000 for pre existing conditions up to 69 years subjected to a deductible of $1,500 and $20,000 for travelers above 70 years with $1,500 deductible . This plan need to be purchased for a minimum of 1 month. It has no look back period and no waiting period.
: This is a fixed benefit plan and offers excellent coverage for pre-existing conditions. INF premier need to be purchased for a minimum of 1 month. This plan provides a the following coverage options for different age groups for pre existing conditions:
Under age 70 years: Covers up to $20,000/$30,000/$40,000/$60,000 with deductible $1,000/$5,000
Age 70 to 99: Covers up to $15,000/$25,000 with deductible $1,000/$5,000.
Comprehensive visitor insurance plans on the other hand are the most sought plans for their flexibility of benefit coverage. They cover acute onset of pre-existing condition and are flexible with their coverage. Most of these plans cover acute onset of pre-existing condition up to age of 65 or 70 with reduced coverage after 70.
The available insurance plans listing summary provides brief information on each plan along with details of the Underwriter, Coinsurance, Maximum plan period, Preferred Provider network, AM rating, Acute onset Pre-existing condition coverage availability...along with the premium price for the selected policy maximum, deductible, duration and age. The column with the price provides links to the product page of the plan details and the brochure of the plan. The customer has provision to edit the input and get a price quote for different input before deciding to buy the plan. There is a BUY button that is highlighted below the price information, for the customer to purchase the plan. The online application and the payment has to be completed using a credit card. Once the transaction is successful the policy letter and ID Card is emailed to the customer.