Temporary health insurance USA, Short term travel insurance

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

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Temporary travel health insurance for travel to USA

Can international travelers visiting the country get temporary medical insurance for travelers in USA?

Yes, international travelers can get temporary US health insurance, also known as short term travel insurance USA or temporary health insurance for visitors to USA. Given the very high cost of US healthcare, this short term travel insurance is very strongly recommended.

Temporary health insurance for foreigners in USA will cover unexpected sickness and injuries shielding the traveler from expensive medical bills that otherwise need to be paid out of pocket.
travel Health insurance

One of the popular temporary health insurance for foreigners in USA plan is the Atlas America travel insurance from WorldTrips. This plan does not have any arrival time restriction in the US. People already in the US can buy it as well in case where they need an insurance during transitioning from a temporary resident to a permanent resident.

This plan covers worldwide coverage including and excluding USA. This plan provides coverage for acute onset of pre-existing condition up to the age of 80. Pregnancy complications(ONLY) up to the first 26 weeks of gestation is covered for a visitor who might be making a short visit during pregnancy.

  • Patriot Plus America insurance is another comprehensive plan from the company IMG that is available for visitors which is equally good with slight differences.
  • Safe Travels USA Comprehensive insurance from Trawick International is a popular US visitor insurance and offers coverage for pre-existing conditions.
  • Travel Medical insurance from Seven Corners is another good comprehensive visitor plan in the market.
  • INF Elite insurance from INF offers coverage for full pre-existing conditions up to 99 years.

Short - term Travel Health Insurance

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.

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 $25K). For persons above 70 Acute Onset benefits is reduced to a maximum of $35K (cardiac-related treatment up to $15K).
  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 forNon-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Resourceful tourist insurance USA information

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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?

Guide to buying the best international 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

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

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Best Seniors travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition" .Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite, Elite Plus and INF Elite 90.

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Short term travel insurance USA, Short term tourist insurance - FAQs

01. What are Short Term Medical Plans?

Short-term medical plans are temporary health insurance policies that provide coverage for a limited period, usually up to 364 days. They are designed to provide short term coverage for international travelers to the US on new immigrants in the US who are waiting for employer coverage to begin, or who need coverage for a short period for any other reason. These plans typically have lower coverage than traditional US health insurance plans as they exclude preventive care and have limited coverage for pre-existing conditions.

02. What does short-term health insurance cover?

Short-term health insurance for visitors typically covers unexpected illnesses and injuries that occur while the policy is in effect. This includes hospitalization, emergency room visits, doctor's visits, and prescription medications. Depending on the policy, it may also cover diagnostic tests, surgery, and ambulance services. However, short-term health insurance typically does not cover pre-existing conditions, preventive care, maternity care, mental health treatment, or substance abuse treatment. It is important to compare different temporary health insurance for USA on American visitor insurance based on price and coverage benefits and to review the policy's limitations before buying short-term health insurance.

03. Do short term health insurance plans have high deductibles?

Yes, short-term health insurance plans typically have high deductibles, but you can get also travel health insurance with lower deductibles. These visitors health insurance plans are designed to provide temporary coverage for unexpected medical events but do have deductibles and co-insurance. The deductible is the amount that you must pay out of pocket before the insurance coverage kicks in, and short-term health insurance plans often have flexible deductibles and corresponding varying premiums when compared to traditional health insurance plans. It is important to compare different short term temporary health insurance options on American visitor Insurance before buying a short-term health insurance plan.

04. What is the cost of short stay travel insurance for visitors to USA?

The cost of us temporary health insurance depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of temporary us health insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for short term us health insurance with pre-existing conditions.

05. Why American visitor insurance?

  • Wide range of temporary health insurance for non us citizens
  • Temporary health insurance for non us citizens with Covid19 coverage
  • Travel health insurance and trip cancellation insurance options
  • Affordable short term medical insurance for international travel plans
  • Compare short term medical insurance for international travel tool
  • Customer support for temporary travel insurance usa claims
  • Fixed benefit and comprehensive temporary travel insurance usa plans
  • 24/7 licensed short term travel health insurance usa agent support
  • Guaranteed cheapest temporary travel insurance USA price
  • Temporary health insurance for non us citizens customer support during crisis
  • Relevant short term health insurance for visitors to USA blogs, articles and FAQ's
  • Short term travel health insurance usa insurance reviews available

06. Which is the best temporary medical insurance for travelers to US? Which is the best health insurance in USA for visitors?

The best temporary medical insurance for travelers to US will vary from visitor to visitor depending on their unique needs. There is no single temporary health insurance for travel which will work best for all visitors to the US.

While some visitors will look for the cheapest us short term health insurance plan, others will look for the most comprehensive and best health insurance in usa for visitors coverage. The price will be higher if you need temporary medical insurance for travelers with pre-existing conditions.

It is recommended to compare different temporary health insurance in the united states plans based on price as well as the different benefits coverage options. Visitors should also read different temporary us health insurance reviews before they buy temporary health insurance for visitors to USA.

07. Is it worth it to get temporary health insurance for travel abroad?

There are many reasons to get temporary health insurance for USA. The cost of health insurance for international travelers to US is quite affordable when compared to cost of healthcare in the US. A small cost for US medical insurance can bring significant peace of mind.

And, if you should become ill or injured while traveling you will no doubt consider it the greatest investment you ever made. Of course, we all hope that our even short travels are smooth and pleasant. US travel Insurance is for the unexpected, whether that is an airline strike, a death in the family back home, or finding yourself in a hospital in a foreign country.

A short-term health insurance for visitors to America policy can take care of you in any of those situations and quite often for much less than your flight and accommodations.

08. Iam travelling tomorrow and worried if my flight will be cancelled, Will I be covered?

Generally there is a time limit on cancellation of the trip. If you have purchased Trip cancellation and if the reason for cancellation is mentioned on the policy documents then you might get coverage. However travelers can call the insurance provider for more clarity of the coverage included.

09. What if I don’t need my temporary insurance coverage for as long as I had planned?

If you no longer need your temporary insurance coverage for as long as you had planned, you may be able to cancel your policy early and receive a prorated refund for the remaining unused days. However, it's important to note that some short-term health insurance plans have a minimum coverage period, which means you may not be able to cancel your policy before a certain date. Be sure to read the terms and conditions of your policy carefully and contact your insurance provider if you have any questions or concerns about cancelling your coverage early.

10. How do short-term health insurance plans work?

Short-term health insurance plans provide temporary medical coverage for a specific period, usually up to 12 months. They are designed for people who need insurance for a limited period, such as those who are visiting the US for a short term, are new immigrants in the USA and are waiting to be eligible for regular US health insurance coverage.

11. Can I extend short-term health insurance after it expires?

Generally, short-term health insurance plans cannot be extended after they expire. Once the policy term ends, you will need to purchase a new temporary visitor health insurance policy if you still need coverage. However, some insurers may offer the option to renew or buy a new temporary health insurance policy for a consecutive term, depending on the insurer's policy terms.

12. When to buy travel insurance for temporary stay in US?

The optimal time to buy travel insurance is as soon as you confirm your travel details. Buying the travel insurance depends on factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy. Buying travel insurance early, shortly after booking your trip, is strongly advisable. This ensures that you have coverage for unforeseen events that might occur before your departure.

Early purchase may also provide coverage for trip cancellation or interruption due to covered reasons. Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early. The optimal time to purchase travel insurance can vary based on the provider and the specific policy terms.

13. What is the different between travel insurance and visitors insurance?

"Travel insurance" and "visitor insurance" are terms that are sometimes used interchangeably, but they can refer to different types of insurance products, and their meanings may vary depending on the context.

Travel Insurance also called trip cancellation insurance:

  • Scope: Travel insurance is a broad term that encompasses various types of insurance coverage designed to protect travelers from financial losses or unexpected events during their trips.
  • Coverage: It typically includes benefits such as trip cancellation/interruption, emergency medical expenses, travel delay, lost baggage, and other related protections.
  • Duration: Travel insurance is often purchased for a specific trip or period of travel, whether domestic or international.
  • Applicability: It is suitable for a wide range of travelers, including those going on vacations, business trips, or other types of travel.

Visitor Insurance also known as Travel health insurance:

  • Scope: Visitor insurance specifically caters to individuals who are visiting a foreign country like the US or Europe, often for a short duration, and need coverage for medical expenses or other unexpected events during their stay.
  • Coverage: The primary focus is on providing medical coverage for illnesses or injuries that may occur during the visit. Some visitor insurance plans may also include coverage for travel-related incidents.
  • Duration: Visitor insurance is typically designed for short-term stays, and coverage is usually available for a specified period, such as a few days to several months.
  • Applicability: It is intended for individuals visiting another country temporarily, especially to the US or Europe where healthcare is very expensive as tourists, family members, or friends.

In summary, while travel insurance is a broader term that encompasses various types of coverage for different types of trips, visitor insurance specifically targets individuals visiting a foreign country and emphasizes medical coverage for the duration of their stay.

14. Will short term travel insurance for international travel cover everything?

Travel insurance policies 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. Travel insurance 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:

  • Trip Cancellation/Interruption: Coverage for non-refundable trip expenses if the trip is canceled or interrupted for covered reasons such as illness, injury, or unforeseen events.
  • Emergency 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 travel insurance:

  • Pre-existing Conditions: Many policies exclude coverage for pre-existing medical conditions unless specified otherwise.
  • High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
  • Unforeseen Circumstances: Some policies have specific criteria for what is considered an "unforeseen circumstance" leading to trip cancellation or interruption.
  • 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.

Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Steps to buy US travel health insurance

 1: Find best health insurance for foreigners

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

 2: Compare best travel insurance USA options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy US travel health insurance that you like best

Purchase the best plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review emailed travel health insurance foreigners documents

Review the international travel health insurance policy for coverage details and relevant contact numbers

us visitors insurance online


Contact our customer service team, we are here to help you!

Factors that determine the cost of US short term health insurance for foreign visitors

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 temporary visitors health insurance.

Type of travel health 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 insurance 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 required

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

How to get health insurance for visitors in USA?

The USA is the most popular country for international visitors and people travel to the US on various occasions. Be it higher studies, jobs, research, or visiting the family, the US is the first option for most people. People need to buy best medical insurance for temporary US visitors before their departure from their home country to the US due to the expensive healthcare cost in the US. US citizens living abroad too need to consider this health insurance to cover them in the US during their visit to the US.

There are chances that people do not take this seriously and this could be due to the unfamiliarity with visitor health insurance and the role they play when you are outside your home country. It is now mandatory to have a private health insurance plan and is not an option anymore. Here are the important points about the medical health insurance that temporary USA visitors should know to make the right purchase of the plan.

Let us quickly look at these highlights that are covered by best temporary health insurance for US visitor:

  • Unexpected sickness and injuries
  • Emergency medical evacuation
  • Repatriation
  • Trip Interruption
  • Baggage loss and delays
  • Outpatient expenses
  • Acute onset of pre-existing conditions

The insurance plan covers many other specific benefits but the first point " Unexpected sickness and injuries" is one of the major reasons people buy the insurance. When people travel outside their home country, they can get sick due to the change in the weather or food they eat. Similarly, people can meet with an accident or injury in an unknown place. Then the cost of hospital bills in a country like the US can go anywhere from $200 to $1,000,000 depending on the severity of the injury or the illness. The hospital might admit the patient without asking anything initially, but you will have to make payment before leaving the hospital and clear that bill out of your pocket. The solution is to have an insurance plan which will take care of the huge hospital expense.

Knowing some insurance terms and conditions that will help the temporary visitors to USA make the right choice

Deductible: This is the amount that you can choose while purchasing the plan. The customer needs to pay this amount before the insurance plan starts making the payment for the total cost. This amount can range from $100 up to $5000 or more. It is up to the customer.
Copay or Copayment: Copay is the amount you pay after a doctor's visit to the provider's office. It is a fixed amount. If the fixed amount for copay is $20 for in-network doctors, you pay that amount every time you visit the doctor's facility. This amount is regardless of the consultation charge in the doctor's office. Co-pay amount varies depending on the type of service.
Coinsurance: This is the percentage amount that the customer pays after the deductible amount is satisfied. This amount is paid on top of the co-pay. It is usually 20% of the total cost of the medical bill. You can't know the amount unless you see the final bill of the Coinsurance is applicable up to a certain dollar limit which is usually $5000 in most of the plans after which the insurance company pays 100%. Some plans waive the coinsurance if the customer visits a provider who is within the PPO network supported by the insurance company. PPO networks are the provider networks that accomplish the network of doctors under certain geographical areas. Travelers can review the short term international medical insurance glossary for visitors to the USA to understand other terms and also check the travel insurance guide for easy understanding.
PPO Network: It is important to understand the in-network and out-of-the-network concepts. PPO networks are the provider networks that accomplish the network of doctors under certain geographical areas. If you go to a doctor associated with a provider network, you will be getting the benefits of in-network. Likewise, the insurance plan also provides coverage out of the network. In that case, a visitor insurance plan will cover you with any doctor in the US.
If your visitor insurance plan has a PPO network, then it is always recommended to consult a doctor with the in-network doctors. This might waive the coinsurance amounts or the provider will be interested in directly billing the insurance company in case of claims. If you go for an out-of-network doctor, the coinsurance amount is applicable for the most part, and chances of direct billing are very less, although you can contact the insurance company for reimbursement.
Each insurance company has its own rules for dealing with out-of-network doctors. Some insurance companies need precertification from the customer before they go in for any treatment. Precertification is to get in touch with the insurer and let them know about the illness or the treatment they will get.

Fixed benefit plan vs Comprehensive plan:

A fixed benefit plan has a fixed amount that the plan states for a particular benefit. The plan will cover that amount in case a claim is incurred. On the other hand, the comprehensive plan covers up to the policy maximum for almost every benefit and does not have a predetermined amount specified in the brochure of the plan. Given this, a Fixed plan might work well for small expenses but in case of major medical expenses, it is better to opt for a Comprehensive Plan. Here is a chart that shows the difference between fixed and comprehensive insurance for visitors on temporary visit to USA:

Features Fixed plan Comprehensive plan
Coverage 1. Specifies a fixed amount for a benefit and it can be different from the policy maximum.
2. It is normally very less than the policy maximum
No specific amount is mentioned and covers up to the policy maximum (less deductible and coinsurance)
Covid Coverage Covered as any other illness Covered as any other illness
Cost 1. More affordable and cheap but with less coverage
2. This works for small illnesses and is inadequate for major expenses
1. Expensive but flexible coverage up to policy maximum provides adequate coverage for major medical expenses
2. The plan pays after the deductible and coinsurance.
Payment process The insured pays the initial deductible for every new sickness and injury and the plan pays the rest of the expenses The customer needs to satisfy the one-time deductible and 20% coinsurance applicable up to the first $5000 of the expense and the plan pays 100% up to the plan maximum. Coinsurance percentage can vary from 10-20% on the plan
Provider network or PPO network Customers can visit any hospital or doctor as there will be no discounted rates with no coinsurance. The plan pays the defined specific amount specified for the benefit Comprehensive plans have a PPO network. You can visit both in-network or out-of-network doctors. However, it is recommended to visit the doctor within the PPO network to get the discounted rates in the coinsurance and facilities such as direct billing services are made available
Trip expenses coverage Usually not covered Covers trip cancellation, baggage loss and delay.
Plan names Visitor Secure, Visitor’s Care, Safe Travels Elite… Atlas Travel, Patriot America Plus, Safe Travels USA Comprehensive, Travel Medical Plus…

Coverage for pre-existing conditions in visitor/travel insurance plans

Pre-existing conditions are one of the important benefits that are requested by most customers after the age of 60. A pre-existing condition is any kind of illness or health condition that exists in a person before the insurance becomes effective. Many common diseases are considered pre-existing conditions, namely blood pressure, diabetes, arthritis, asthma...Insurance companies usually do not cover this particular benefit and pre-existing conditions are normally under the exclusions. Chronic conditions such as Cancer, and Alzheimer's disease are some of the pre-existing conditions which the insurance company completely excludes from their coverage.

Insurance companies clearly outline the list of diseases and coverages that are excluded under "Exclusions". You can scroll down the company brochure of the plan to see the "Exclusions". If you have any of these conditions and you need them covered, it is important to first filter the plans to see this particular benefit.

Visitor Insurance plans do not need a medical checkup to be done before buying the plan to see the eligibility. But some of them do not cover Pre-existing conditions. However, they cover "Acute onset of a pre-existing condition".

Acute onset of a pre-existing condition is referred to as a sudden recurrence or unexpected recurrence or an outbreak of the condition which needs immediate emergency medical attention or can get worse very quickly. At the hospital, if the illness does not say it is an acute onset, then the insurance company might not cover it as per the plan benefits.

The temporary international health insurance coverage for acute onset of pre-existing conditions limit this benefit to people under the age of 70. Fewer plans cover this after the age of 70 up to the age of 89.

Unexpected incidents like injury and sickness can happen anytime. It is still important to buy visitor health insurance even with an existing condition so that you are covered for all the other unexpected incidents other than the pre-existing condition. To attract customers, there may be insurance plans that indicate they cover pre-existing conditions, but there might be limitations on the coverage. Please read the brochure of the plan carefully in the fine print to avoid the wrong notion.

Choosing the right plan for ages 70 and up

There are still plans that provide coverage for pre-existing conditions for age 70 and above for a reasonable price. Travelers must understand that the price is definitely going to be high for people above the age of 70 and more so for those above 80. Fixed benefit plans such as Inbound USA Basic that provide a policy maximum of $100,000 for people above age 70 up to 99. The Inbound USA Choice plan is equally good and provides coverage for the acute onset of a pre-existing condition where it provides coverage of $75,000 for those below 70 and $25000 for those above 70 up to the age of 79. There are comprehensive plans as well that provide coverage for acute onset of a pre-existing condition for those above 70 namely Safe Travels USA Comprehensive, and INF Elite.

Purchase Restriction of plans in certain specific States

Some of the states in the US restrict the purchase of certain visitor health insurance plans. Some of the states that have this kind of purchase restriction are California, Maryland, Washington, Kentucky, Colorado, New York, and South Dakota.

Travelers can check US state health insurance for temporary visit restrictions for insurance restrictions. The restriction is only for the purchase of the plans. If you have the billing address of a restricted state and you are not purchasing the plan with that address, you can still use the plan in that state in case you need coverage.

Common Exclusions in a visitor insurance plan

Here is a list of services that will not be covered in a visitor health insurance plan:
  • Pre-existing conditions
  • Dental Care except for dental emergencies
  • Skin Treatment or Cosmetic Surgeries
  • Yearly routine check-up, immunization, vaccination
  • Preventive Care Services
  • Vision Care
  • Childbirth, Pregnancy, and Maternity Care
  • Chronic illness
  • Injuries and accidents due to terrorism and War Acts
  • Mental health care
  • Injuries due to drugs and alcohol

Pre-approval request prior to getting treatment

Pre-approval is also known by the terms pre-certification, and pre-authorization and is one of the requirements that need to be fulfilled in some of the insurance plans in order to get treatment for the illness. It is basically sending a notification or making a call to the insurance company and letting them know that they need cover for a certain sickness or injury.

You can go to the in-network providers where they can contact the insurance company regarding the treatment for the sickness and they will cover the sickness. If you visit an outside doctor or a facility that is out-of-network, then you might have to pay for the expenses first and the insurance company will reimburse the amount.

Can the insurance plans be extended or renewed

Most of the insurance plans can be renewed for a year or two. There is an anniversary date that these are associated with. Even if the plan has been purchased for more than a year, the deductible will reset on the Birth Date. If your plan expires, then you will have to purchase a new plan and will not be able to renew the old plan. Renewability of the US temporary travel insurance needs to be done before the expiration date.

In case of cancellation, refund of the premium

  1. Trip cancellation is one of the major cases after the pandemic. Make sure that the baby is five.
  2. Depending on when the cancellation is being done, there may be a cancellation fee.
  3. If the plan is canceled before the effective date of the plan, then a full refund of the premium can be achieved.
  4. If you cancel the plan after the effective date of the plan, then the unused portion of the premium can be refunded.

Traveling to the US or other countries can be a fun activity or experience only when you are insured for unexpected incidents. Domestic healthcare within the US is very expensive. This can lead to emergency situations and paying out-of your pocket can be risky.

Select the best

Travel insurance vs Travel medical insurance plans...

  • Best health insurance for visitors to USA, Best travel insurance for USA

    Best health insurance for visitors to USA - Comprehensive plans
    International Medical Group (IMG) Patriot America Plus is a popular plan among Indians visiting USA. It is a comprehensive plan that offers exhaustive coverage up to plan maximum of $1,000,000.
    • Patriot America Plus Covid insurance covers coronavirus illness.
    • It offers best coverage for acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
    • AM best rating of “A” (excellent)
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    • Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
    • Covid Quarantine Benefit: Atlas America insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
    • Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
    • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.
    • Diplomat America Covid insurance offers coverage for coronavirus sickness
    • Available for US citizens visiting USA
    • Acute onset of pre-existing condition covered : 24 months waiting period.
    • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
    • Covers acute onset of pre-existing conditions up to policy maximum.
    • It offers coverage for visitors up to 89 years.
    • INF Elite Covid19 insurance offers coverage for coronavirus.
    • Treats Coronavirus/covid19 as a new sickness & covered by the plan
    • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
    • Travel Medical Plus Covid insurance offers coverage for coronavirus sickness
    • Covers treatment of acute onset of pre-existing conditions (up to 75 years)
    Medically necessary treatment for COVID-19 is covered as an Illness under GeoBlue Voyager plans up to age 95. Medically-necessary COVID-19 treatment is covered, however the policy deductible applies (if applicable).
    • Maximum Accidental Death & Dismemberment Coverage: $50,000.
    • Pre-existing Conditions Covered: No waiting period. US primary health plan required.
    Medically necessary treatment for COVID-19 is covered as an Illness under GeoBlue Voyager plans, up to age 95. Medically-necessary COVID-19 treatment is covered, however the policy deductible applies (if applicable).
    • Maximum Accidental Death & Dismemberment Coverage: $25,000.
    • Pre-existing Conditions Covered: 180 Day Exclusion. No US primary health plan required.
    Medically necessary treatment for COVID-19 is covered as an Illness under GeoBlue Trekker plans, up to age 95. Medically-necessary COVID-19 treatment is covered, however the policy deductible applies (if applicable).
    • Maximum International Medical Coverage Limits: $250,000.
    • Maximum Emergency Medical Evacuation Coverage: $500,000.
    Medically necessary treatment for COVID-19 is covered as an Illness under GeoBlue Trekker plans, up to age 95. Medically-necessary COVID-19 treatment is covered, however the policy deductible applies (if applicable).
    • Maximum International Medical Coverage Limits: $50,000.
    • Maximum Emergency Medical Evacuation Coverage: $250,000.
    The long-term Xplorer plans cover medicay-necessary COVID-19 testing and treatment.
    • Unlimited annual and lifetime maximum.
    • Comprehensive coverage with primary worldwide benefits.
    • Preventive Services have no waiting period.
    • Pre-certification is not required for inpatient and outpatient services.
    • Covers pre-existing conditions with proof of prior creditable insurance.
    • Deductible is waived for office visits and a small copay is applied.
    • Covers injuries or illness resulting from terrorist activities.
    • Travelers up to the age 74 years are eligible.

    Best travel insurance for USA – Fixed benefit plans

    • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
    • Plan can be renewed up to 2 year.
    • This plan covers Acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum
    • Offers coverage for acute onset of pre-existing conditions up to 79 years.
    • Renewable up to 364 days
    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    • Safe Travels Elite Covid insurance covers coronavirus illness.
    • Covers acute onset of pre-existing conditions up to 89 years.
    • INF Premier Covid insurance covers coronavirus illness.
    • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    • Renewable up to 364 days

Select the visitor insurance in USA plans that you want to compare

F Fixed Benefits Plans
C Comprehensive Plans

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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