Comparing Visitor insurance to find the best plan for your needs

Compare and buy US travel insurance, Tourist visa health insurance USA

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Compare Best Visitor Medical Insurance


International travel whether on a vacation, or to spend time with family, to study, or for work ...can be a lot of fun and exciting only when the travel and stay is efficiently organized. International travel health insurance also known as Visitors Insurance is one of the important travel arrangements that one needs to have before traveling overseas.

If visitors medical insurance is not taken care of, the trip can become financially and emotionally stressful resulting in a bad experience. Given the pandemic situation travelers should consider having a sufficient visitor medical insurance for any unexpected medical emergencies and quarantine expenses covered should one need to cancel or delay the trip due to Covid-19 infection.

It is extremely important during international travel especially to countries like the US, where health care is very expensive and can become financially crippling.

Another advantage of these visitor insurance plans is that they also cover non-medical emergencies like baggage loss, trip interruption, Should you need to cancel the trip Cancel for any reason cover will provide you maximum coverage for non-refundable trip expenses.

Buying these visitor insurance plans is easy as these travel insurance plans do not need any medical documents or a health check-up and can be purchased online. However while there are many visitor insurance plans available online, there are also many details to consider with a lot of fine print, all of which can be very confusing. In order to make it simple for the visitor medical insurance buyers online, American Visitor Insurance has designed an excellent quote compare tool. This visitors medical insurance compare tool has an intuitive design to provide the required information and to compare price quote as well as benefits of different insurance plans.

The price of visitor insurance plans is mainly dependent on the travellers Age, duration of travel, policy medical maximum coverage as well as the chosen deductible value. Travellers can get quotes either for an individual or for their entire family. This tool has the ability to enter the age of each family member. Customers can include all travellers under one plan. Travelers can enter their age, their spouse's age and any dependent children’s ages.

Travelers should also indicate if they are a US citizen or a Non US citizen. This information helps the tool filter the plans accordingly. Since these plans provide coverage for people traveling outside their home country, it should be noted that for US citizens, the United States is their home country. However, if US citizens permanently residing outside the US needing to visit the US for a short visit, we do have travel insurance for US citizens visiting USA.

After entering all the required information, in the compare visitor medical insurance form, travellers should click on the "Get Quote" button to get the list of available visitor insurance plans. The available plans are categorised as two types namely Fixed benefits visitor insurance and Comprehensive visitor insurance. A detailed explanation on the differences between Fixed and Comprehensive plans is also provided. Both the Fixed benefits and Comprehensive visitor insurance plans have coverage for acute onset of a pre-existing condition up to the age of 70, but for older travellers above the age of 70, only comprehensive plans offer coverage for acute onset of pre-existing conditions.

The benefits of the different insurance plans vary significantly both in terms of price as well as benefits covered. It is important to understand these differences and to look into specific plan details.

From the list of available plans, customers can select up to 4 plans for more detailed comparison by checking the "Add to Compare" checkbox below the insurance price. Customers can also edit the quote input that was provided earlier at the top of the page using the "Edit Quote" button. Travelers can also request a call from the 24 hours customer support by clicking on the green Phone button on the right corner of the display. Visitors can also click the message icon and email this list of available visitor insurance plans to an email address for later reference.

For each plan displayed, customers can view the details about the plan Underwriter, the plan’s AM rating , the insurance provider, the insurance policy maximum validity, Preferred Provider network information, the renewability, the coverage for pre-existing conditions...For fixed benefit visitor insurance plans there is no co-insurance factor applicable, while for Comprehensive visitor insurance plans, there is co-insurance factor applicable.

This co insurance is the percentage amount that the insured will pay during the claim expense. Once the deductible is met, the percentage co-insurance is paid which is usually 20% or 10% of the claim expense up to the first $5000 of the expense. After crossing this amount, the insurance company will pay 100% of the expense after the deductible.

Along with all the details for each plan is a weblink to the detailed policy brochure of the plan. Another link is given which navigates you to the details page of the product. After reviewing all the available plans, comparing details, the customer can make the final decision of buying the travel insurance plan which is most appropriate to their specific requirements.

In brief, this visitor insurance comparison tool has been designed to provide all the relevant information with an intent to help the customers make right choice.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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How does travel insurance work?

Claims process for expenses due to injury or sickness

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How to buy travel insurance?

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Travel insurance glossary

Commonly used international travel medical insurance terms

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Travel insurance for specific groups

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Compare the best travel insurance plan for your needs

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What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

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