Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
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While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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.
#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
Here are some travel insurance tips for travelers with pre-existing conditions
There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
The following are important factors for buying travel insurance for pre-existing conditions
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.
Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.
The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders
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