This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.
This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.
Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.
Let us know if you have any further questions or concerns about this or other plans you may find on our website.
Please let us know if you have any further questions.
Regards,
Customer care
www.americanvisitorinsurance.com
phone(877) 340 7910
This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.
Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.
Another option is to get coverage only for "acute onset" of pre-existing conditions, which is less expensive. That plan offered by INF is called INF Premier. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age. Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed).
For all information about the plan, go here:
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! You can use our travel health insurance for pre-existing conditions compare to find an insurance suitable for needs.
There are plans available from the INF company that provide very good coverage for pre existing conditions up to the age of 99. There are plans that provide full pre existing coverage and the ones that provide only coverage for acute onset of pre existing conditions. The policy maximum and the coverage differs for ages below 70 and 70+. Let me briefly walk you through these plans:
1. INF Elite plan: This is a comprehensive plan and provides full pre existing condition coverage. A minimum purchase of 30 days is required on this plan to receive the coverage. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.There is another plan from the company Trawick International that provides good coverage for acute onset of pre existing conditions only for people above the age of 80 up to the age of 89. The policy maximum available with this plan is $50,000.
Safe Travels USA Comprehensive plan: This is a comprehensive plan and here are the plan details:Please let us know if we can help you in any further.
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! The plans cover unexpected sickness and injury. They provide coverage for emergency medical evacuation and repatriation. Most of the comprehensive plans have coverage for "acute onset of pre-existing condition" up to the age of 70. You can have a look at the comprehensive Visitor Insurance. There are few plans that provide coverage for pre existing conditions above the age of 70. There are plans which provide full pre existing condition coverage while most of them provide coverage for acute onset of pre existing conditions.
Here is a brief summary of the plans that extend their coverage for pre existing conditions for above 70:
INF Elite plan: The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Comprehensive plan with high policy maximum and full pre existing condition coverage including doctor appointments, blood tests, specialist care...INF Premier fixed benefit plan:
This is a fixed tat provides full pre existing condition coverage like the Elite plan.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
This is a comprehensive plan and provides coverage for acute onset of pre existing condition.
Safe Travels USA Comprehensive: This is a comprehensive plan from Trawick International and provides good coverage for acute onset of pre existing conditions.
Please let us know if we can help you in any further.
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! As far as the coverage for any pre-existing condition is concerned, these plans cover the acute onset or the sudden recurrence of pre-existing condition. They do not cover any preventive care, routine check-up or prescription medication that is given for the maintenance of the condition.
Safe Travels USA Comprehensive:You can review the plans that provide very good coverage for pre-existing conditions at:
Pre-existing coverage plansThank you for contacting us at American Visitor Insurance for your travel health insurance needs!
We offer various plans that cover pre existing conditions. Most of the plans cover only the sudden recurrence or acute onset of the pre existing conditions, while a few plans extend their coverage to cover full pre existing condition including doctor appointments, specialist care, blood tests, urgent care...Some diseases like HIV and Cancer are excluded from coverage . So, please see the list of exclusions in the plan brochure that is available in the plan details webpage. Before giving the details on the Visitors Care Heart Care plus plan, I would like to walk you through the plans that are popular for their pre existing condition coverage.INF plans like the INF Elite network and INF Premier provide full pre existing condition coverage. This means that any issue that has gets noticed due to the condition the individual has and which needs medical assistance will be covered. Coverage is available up to the age of 99. There will be difference in policy maximum above the age of 70.Both Elite and Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Other plans like Atlas Travel provide coverage for acute onset of pre existing condition up to the age of 80. Similarly Safe Travels USA Comprehensive plan provides coverage for acute onset of pre existing conditions up to the age of 89.Visitor Care Heart Care plus plan is a fixed plan from IMG and provides $2500 for acute onset of pre existing condition and heart attack. It is advisable to choose a comprehensive option than a fixed plan due to flexibility in benefits. Please see here to view the difference between the Fixed and Comprehensive plans.
Please let us know if we can help you in any further.The coverage for pre-existing conditions can be very confusing. It is confusing because the plan, technically, does NOT cover pre-existing conditions. That is, if there are required regular treatments or medications that are needed for a pre-existing medical conditions, these is NOT covered. However, if a person is under 70 years of age, you can have coverage for what is called "acute onset" of a pre-existing condition. For plan A, the amount covered for that would be up to $50,000. The emergency situation would be covered in the same way that any other condition is covered (it is a fixed plan, so each medical expense has a set limit that will be paid out by the insurance company and you will have to pay the difference for each). Notice that plan B, covers up to $75,000 (the same as the maximum of the plan) and plans C and D cover up to only $100,000 maximum).
You may wonder what is considered "acute onset" as opposed to any other expression of the pre-existing condition. Well, the "acute onset" clause of the plan is meant to cover a condition that is well regulated by medication and/or treatment or any other reasonable means, but the insured has an unexpected and acute emergency due to that condition that threatens their life or overall wellbeing (maybe their life is not in danger, but they may go blind or lose a limb -- that would also count). It must be "acute" in the sense that the situation cannot wait until you return home to take care of the situation.
Note that this coverage is only available for persons under 70 years of age. If the person purchases the policy at age 69 and hits their birthday during the trip, they do lose this additional coverage when they are 70 years (although they get to pay as a 69 year old for the whole trip).
I hope this clarifies the coverage on the Visitor's Secure plan offered by WorldTrips. Do let us know if you have any other question or concerns.
Regards,Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. There are no specific list of diseases that are covered. High blood pressure is not a condition that is excluded. You can compare quotes offered by the different pre-existing coverage plans at - Compare pre-existing insurance plans.
1. Atlas Travel:Another option is Patriot America Plus which also covers acute onset for persons under 70 years of age. This is a very economical comprehensive plan. To get a quote and/or buy Patriot America Plus insurance:
This plan is a comprehensive plan from INF and provides full pre existing condition coverage. This plan covers up to the age of 99. For people in the age group of 70 to 99, the policy maximum of $75,000 is available. For people below age 70, policy maximum of $150,000 is available. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
This is a fixed plan from INF and is provides full pre existing coverage like the INF Elite plan. This is a fixed benefit plan.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Please let us know in case of any questions.
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone: Here are some plans that provide worldwide coverage:
1. Atlas travel insurance plan: This is a comprehensive plan from WorldTrips. This provides coverage for pre-existing conditions up to the policy maximum selected. This provides $25,000 coverage for pre-existing conditions for emergency medical evacuation. This plan provides worldwide coverage including or excluding the US. You can Buy Atlas travel insurance online.Thank you for contacting us at American Visitor Insurance! We are always striving to provide the best and most options for international travelers. In that light, we have recently added this policy by Trawick International. It is unique in offering coverage for "acute onset" of pre-existing conditions for up to $25,000 for persons over 70 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years.The policy is available from any state in the US or can be purchased from abroad.This plan will cost you about $330 with a $50,000 maximum and a $250 deductible (you can choose higher deductible and it will cost you less) for the dates of your trip.
Safe Travels USA Comprehensive:
Another option is the fixed plan offered by this same company.It is called Safe Travels USA Diamond and can be purchased for up to $50,000 and has the same limitations on coverage as above for the comprehensive plan, but remember that it is a fixed option and so has caps on individual medical expenses (as well as the maximums listed above).However, offers the best fixed coverage for acute onset of pre-existing conditions for persons over 70.This plan will cost about $112 for the same dates with a maximum of $50,000 and a deductible of Safe Travels visitors to USA Diamond:
I always recommend a comprehensive plan over a fixed one (so the first, more expensive one). This is because the coverage is more complete. Here's how it works: You pay your deductible (whatever you choose at the time of purchase), then you pay 20% of the next $5000 in expenses (so up to an additional $1,000) and then the plan pays up to the maximum of the plan. In the case of a pre-existing condition, the maximum limit is reduced, usually to $25,000.
In a fixed plan, the company pays a set amount for each medical expense (after you pay the deductible). If you are charged more than they pay, then you pay the difference for each expense. So, the fixed plan will pay something for everything, but it may not pay 100% of anything. You cannot calcite an "out-of-pocket" expense with that plan like you can with a comprehensive plan because you will need an itemized bill from the provider and they will only pay a certain amount for each item.
I hope that clears it up. There is an example and comparison on our website here: Fixed and Comprensive insurance plan benefits
Do let us know if we can assist you any further.
Regards,Thank you for contacting us at US visitors insurance coverage for pre-existing conditions! for your travel health insurance needs!
Yes. The PPO network and the coverage for acute onset of pre existing condition does exist with the Visitors Care plan. The coverage is available for $2500 for the acute onset of pre-existing condition.Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Here are the plans from the company INF that cover pre existing conditions. This link below will provide the comparison of 3 plans that cover pre existing condition. 2 of the plans are fixed and one of them is comprehensive. One of the fixed plans cover only acute onset of the pre existing condition and the other 2 cover full pre existing condition. Please look here for more details: Compare INF Pre-existing Condition Travel Plans.Yes. Anything you have been diagnosed with, are being treated for or have with reasonable medical certainty before the policy begins is considered pre-existing. However, if you break a bone, I don't think (even if you were at higher risk) that would be excluded from coverage since the break was ultimately caused by a fall or accident. The only time pre-existing conditions are a main concern is when they can cause an emergency by themselves, like a heart condition leading to a heart attack or a diabetic having some emergency due to their diabetes.
Please let us know if we can help you in any further.
Regards,
Customer care
www.americanvisitorinsurance.com
phone(877) 340 7910
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Some policies that we offer cover "acute onset" of a pre-existing condition. So, first of all, the condition should be stable and not worsening. Further, regular medication or treatment that is required for the conditions is not covered. However, some policies will cover a sudden and unexpected emergency due to that medical condition.
Another important factor in this coverage is the age of the insured. There is pretty good coverage for acute onset of pre-existing conditions for persons under 70 years of age. If you are over 70, here are the plans from the INF that cover full pre existing conditions.
INF Elite short term:Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Plans offered by INF insurance provide full pre existing condition coverage for travelers up to the age of 99. The plan provides a policy maximum of $75,000 for the age group of 70 to 99. These are 2 plans, one is comprehensive and the other is fixed benefits.
1. INF Elite network: This is a comprehensive plan and is available for US and Non US citizens coming to the US. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:
Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs.
We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. You can compare quotes offered by the different pre-existing coverage plans at : Compare pre-existing coverages.More plans are listed below that provide coverage of for acute onset of the pre existing conditions only.
An excellent option is the Patriot Platinum plan which can be purchased at high maximums ($100k for persons over 70). After age 65, both US and non-US citizens are covered up to $2,500 for pre-existing conditions (no specific illness).
The most affordable plan is the popular Visitor's Care policy. They offer a "Heart Care Plus" rider that can be purchased which covers $2,500 in the event of a heart attack or stroke even if due to a pre-existing condition. To purchase and/or to get all details for the Visitor's Care plan, please go to:
Thanks for contacting us with your inquiry!
Travel health insurance plans are for sudden and unexpected situations. Similarly they cover any acute onset or sudden recurrence of a pre-existing condition but have specific conditions under which pre-existing conditions are covered. Any preventive care work is not covered by the short term travel health insurance plans. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.Thank you for contacting us at American Visitor Insurance! We are always striving to provide the best and most options for international travelers.
Plans from INF have been introduced that provide full pre existing condition coverage:Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. I am sorry to inform you that none of our insurance plans will cover your daughter's pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition.
If you have any questions, please feel free to call us at +1 (877) 340 7910 and we are more than happy to help by answering any further questions you may have.Thank you for your email. Here are some plans that are best suited for people with pre existing conditions.
INF Elite network: This is a comprehensive plan from INF and provides full pre existing condition coverage. The amount covered depends on the deductible chosen and the age of the individual. This plan covers up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the plan details for more information:Safe Travels USA Comprehensive plan:
Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. Also, policies will not cover traveling to a country IN ORDER to receive treatment. The situation must be unexpected.
You can compare quotes offered by the different pre-existing coverage plans at - Visitor Medical CompareThe best coverage for acute onset of pre-existing conditions is now found in the Travel Medical plan. If you purchase a $1 million maximum policy, you can get coverage for pre-existing for up to $150,000 which is the most you can get for pre-existing conditions. The benefit is graded to the maximum with a $500k max having a $125,000 benefit, the other plans offer coverage to their maximums for a pre-existing condition. This benefit is for persons under 70 only and the policy can be purchased for up to 6 months.
To get a quote and/or buy the insurance (we highly recommend choosing plan A/E over plan B/F due to the differences in coinsurance)Thank you for your email. Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.
Claims for acute onset or recurrence of pre-exiting condition will be determined by the provider and the claims department of the insurance company.Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Here are the best pre existing condition coverage plans that provide full pre existing condition coverage for people up to the age 99. The specific coverage amount covered depends on the actual age of the individual and the deductible selected.No. They are not. You can get some conditions covered for "acute onset" of a preexisting condition, but a condition must be stable and fully controlled. Also, the "new" situation must be "unexpected" not a worsening of a chronic condition. Note that some conditions are specifically excluded in policies (not those you mention, however, but HIV infection, cancer, to name a few.
See such policies here:Pre-existing conditions PlansThank you for contacting us for your insurance needs.
I know that the insurance company will not cover for any treatment taken that occurred before the policy became effective. However if you need a plan for your father for future needs, this plan is a good comprehensive plan that covers pre existing condition up to the age of 70 for Non US citizens traveling outside their home country. This is the plan that we recommend for your father.Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition. The term "Acute Onset of a Pre-Existing Condition(s)" shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
So with your dad's case, his regular visit to the doctor for his condition will not be covered by any of our insurance plans.Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Patriot America Plus does provide coverage for acute onset of pre existing condition.Thank you for contacting us at American Visitor Insurance ffor your travel health insurance needs! Here are the policies that are suited for senior citizens:
INF Elite network: This is a comprehensive plan from INF and is available for both US and Non US citizens visiting the US. They are available up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.Thank you for contacting us at American Visitor Insurance for your needs. Here are the plans that provide the full pre existing condition coverage.
INF Elite: This comprehensive plan from INF and covers up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the details here:That's a great question and it does depend on the company and their definitions and limitations. I have put their verbiage below:
Pre-existing Condition Limitation:Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Here is the link for the policy we spoke about over the phone. This plan has a pre-existing coverage.
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policies that satisfy your needs:
Here are some plans that cover people up to the age of 99.Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! We do not have a list of diseases that we cover.
Our traveler's health insurance primarily covers any new illnesses and emergency. If your concern is for pre-existing condition, we have plans that cover "acute onset" of pre existing condition. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded.Thank you for contacting us at American Visitor Insurance for your needs!
A "look back" period is used to define what is considered a pre-existing condition. If you had some medical issue longer ago than the look back period (and you don't have it anymore), then it would NOT be considered pre-existing any longer and would be covered by the plan as any other illness. The problem with chronic illness, of course, is that you have it your whole life. In that case, you have to get a policy that WILL specifically cover "acute" or sudden onset of the pre-existing condition (it will not cover regular medication or regularly needed treatment).
That is why the policies I mention will work in case your mother would have some emergency due to her pre-existing condition. The look back period is not relevant to the coverage of "acute" or "sudden" onset of the pre-existing condition.
I hope that clears it up for you.
Regards,
Customer care
www.americanvisitorinsurance.com
phone(877) 340 7910
Your wife can purchase the Atlas America plan from WorldTrips.. She can enter US as the destination country. This will cover her both inside and outside of US as long as she is travelling outside of her home country.
Alternatively, she can purchase two separate policies one for her stay in the USA and another for her trip outside US. This will work out cheaper as the coverage rates in the USA are higher than the outbound travel rates.Thank you for your inquiry and allowing us to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Most of the plans provide coverage for pre-existing conditions for "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded.
You can compare quotes offered by the different pre-existing coverage plans at - visitors medical compare pre-existingThank you for contacting American Visitor Insurance with your inquiry. We are able to provide very good coverage for both parents for new ailments or injuries sustained in an accident. We also have some plans that provide coverage for the acute onset of a pre-existing condition. To suggest a plan that is best suited for the travelers concerned we need your father's exact age.
You can review some of the available plans at - visitors medical compare pre-existingUnfortunately there is very little coverage in travel insurance with epilepsy cover for 'pre-existing conditions'. You can review the few plans that do offer coverage for 'pre-existing conditions' at - Visitor's medical compare
Regards,You do not need to disclose any of your pre-existing conditions. These conditions may not even be known to you at the time of purchase.
Regards,Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone:
For your criteria, here are 2 excellent comprehensive plans from the company IMG.Thank you for contacting us for Covid travel insurance! We strive to provide the best and most options for international travelers. In that light, we have recently added this policy by Trawick International. It is unique in being a primary health insurance, meaning it will pay out benefits before home country coverage or other health insurance. Insurance with pre existing conditions also offers coverage for "acute onset" of pre-existing conditions for up to $1000 for persons over 70 and under 90 years of age.
The policy is available from any state in the US or can be purchased from abroad. There is also a co-pay of only $30 if you use urgent care (unless you choose a $0 deductible, then there is no copay either). If you are needing testing or treatment for COVID, the company wants you to pre-certify with them (that is, you call them before you seek testing or treatment)!
This plan will cost about $1206 for coverage from June 23 to Dec 31 with a maximum of $500,000 and a deductible of $250.Safe Travels USA from Trawick International (travel to US):
Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.
Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.
The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.
In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.
Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.
Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.
Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:
Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.
Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:
Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.
It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:
There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a 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 an 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. This 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 which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.
The following are important factors for buying travel 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.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
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 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 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 Plan pages. INF plans are open to green card holders
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