For all information about the plan, go here:
INF Elite X PlanThis 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.If your visitor will be staying for three months or longer, you may want to consider a new plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions. The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for you. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). Note that you can purchase 30 days to 89 days, but the cost is more per month (you can use the link at the end of this email). The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.For all information about the plan, go here:
INF Elite X planThis 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:
INF Premier X PlanThe look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your visitor. The plan as a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Elite X planThis 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. Please contact the insurance company for claim related questions. 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 we can help you in any further.
1. Here are the details for the INF Elite X plan:
INF Elite X planThis plan has anew accident and sickness deductible of $500 and pre existing deductible of $1500. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.This plan has a new accident and sickness deductible starting from $0 and goes on as $250, $500 and $1000. The pre existing deductible also starts with $0 and goes up to $1000. Please let us know if we can help you in any further.
Regards,Thank you for contacting us for your insurance needs! You will have to purchase separate insurance plans for your father and your in laws. The plans from INF provide pre existing condition coverage for people up to the age of 99. The coverage policy maximum differs after the age of 70. There are plans that provide full pre existing coverage and ones that cover acute onset of pre existing coverage. 1. Here are the details for the INF Elite plan:Policy maximum of $150,000 and $75,000 is available under the INF Elite plan and a deductible of $500 is available. This is a comprehensive plan. This plan provides full pre existing condition coverage. The plan has a minimum purchase of 30 days. 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 for this plan:
INF Elite X planThis plan is a Fixed plan and has full pre existing coverage. This plan provides policy maximum options of $100,000 and $150,000.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the plan details here to get more information:
INF Premier plan:SafeVista Comprehensive Insurance provides coverage for the acute onset of pre-existing conditions, up to the maximum limit, for individuals up to 99 years of age.
SafeVista ComprehensiveThis is a comprehensive plan from WorldTrips. This plan has no co insurance cost after the deductible within the PPO network. This plan covers acute onset of pre existing condition up to the age of 80. Here are the details of the plan:
Atlas Travel planThis is a comprehensive plan that provides coverage for acute onset of pre existing up to the age of 70. Please see here for the plan details:
Patriot America Plus from IMGPlease let us know in case of further questions
Regards,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:
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.
INF Elite X planThis is fixed plan but has the provision to provide full pre existing condition coverage.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Premier planThere 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.
This is a comprehensive plan and here are the plan details
Safe Travels USA ComprehensivePlease 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:
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 Elite X PlanThis 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.
INF Premier fixed benefit planThis is a comprehensive plan and provides coverage for acute onset of pre existing condition.
Atlas Travel planThis is a comprehensive plan from Trawick International and provides good coverage for acute onset of pre existing conditions.
Safe Travels USA ComprehensivePlease let us know if we can help you in any further.
Regards,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.
Covers "For cardiac related pre-existing conditions , for people above the age 65, this plan provides up to $15,000 and for people below the age of 65, this plan provides up to $25,000 for cardiac related pre-existing diseases. Only coverage for acute onset of pre existing condition is available and no coverage is available for routine check up, prescription medication and any planned treatment."
Safe Travels USA ComprehensiveYou can review the plans that provide very good coverage for pre-existing conditions at
Pre-existing coverage plansPlease make sure that you sign up for the comprehensive plans as they are flexible with their coverage.
Please let us know if we can help you in any further.
Regards,Thank 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 X 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
An excellent option is found in the Atlas America/International plan They cover the pre-existing condition up to the maximum of the plan that you choose which can be up to $1,000,000 maximum. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
Atlas TravelAnother 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:
Patriot America Plus3. INF Elite X plan 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.
4.INF Premier plan (Fixed) 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 see this page to compare and know more about the INF pre existing plans: Compare INF Pre-existing Condition Travel Plans.
5. Safe Travels Elite (Fixed plan) As a fixed plan, it only covers set amounts per each medical expense (see brochure for details) and is only for persons under 70 years old. To get a quote and purchase the plan, use the link below:
Please let us know in case of any questions.
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: 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
2. Travel Medical Choice Insurance This is a comprehensive plan form Seven Corners here I am giving you the Travel Medical Choice plan but you can view details of all the Travel Medical plans in the Buy page. Travel Medical plans provide worldwide coverage as well like the Atlas plan including or excluding the US. You can Buy Travel Medical 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
Safe Travel Elite Diamond Another option is the fixed plan offered by this same company.It is called 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:
INF Elite X This plan is a fixed plan and provides full pre existing condition coverage up to age 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Here you can compare the INF pre existing condition coverage plans Compare INF Pre-existing Condition Travel Plans Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
We wish you and yours safe and happy travels!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!
Visitors Care plan Yes. The PPO network and the coverage for acute onset of pre existing condition does exist with the.The coverage is available for $2500 for the acute onset of pre-existing condition.
Please let us know if we can help you in any further or if you need a plan with better coverage for pre-existing condition
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!
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 PlansYes. 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 This is a comprehensive plan and covers up to age 99. Please see the below links for more details on this plan. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Premier short term This is a fixed plan from INF that provides full pre existing condition coverage.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
There is one fixed and one comprehensive option from Trawick International called Safe Travels USA Diamond (fixed) or Safe Travels USA Comprehensive (comprehensive)
Safe Travels USA Comprehensive You can review all these plans (fixed and comprehensive) using this page on our website: Pre-existing plans. If we can help you with your specific case, please tell us your visitor's age and how long you need the insurance.
Please let us know if we can help you in any further.
Regards,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 X Plan 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:
2. INF Premier insurance This is a fixed benefit plan and is available for both US and Non US citizens coming to the US.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the plan details:
The other plans that are available for people above 80 are these two plans that have coverage for acute onset of pre-existing condition for people above 70 and also 80. But you can buy them only for policy maximum of $50,000. If you need a higher policy maximum, there are plans that can give you that but there is no coverage for acute onset of pre-existing condition for people above 80 and reduced coverage available for people above 70.
1. Safe Travels USA Diamond This is a fixed plan. Below are the webpages, you can get all the information about the plan.
2.Safe Travels USA Comprehensive This plan is a comprehensive plan.
Please let us know if we can help you in any further.
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. You can compare quotes offered by the different pre-existing coverage plans at : Compare pre-existing coverages These plans from INF Insurance go beyond covering the acute onset and provide full pre existing condition coverage.1. INF Elite X Plane This plan is a comprehensive plan and is available for people up to age 99. For those who are in the age range of 70 to 99, this plan provides a policy maximum of $75,000. Plan provides full pre existing condition coverage. 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 of this plan:
2. INF Premier insurance This is a fixed benefits plan from INF and provides full pre existing condition coverage up to age 99. Plan provides a policy maximum of $75,000. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:
Atlas America: More plans are listed below that provide coverage of for acute onset of the pre existing conditions only.
Patriot Platinum plan An excellent option is the 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:
For a summary table of these plans, please go to: Pre-Existing Coverage PlansIf 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 providing us an opportunity to be of service to you!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.INF Elite(Comprehensive plan): The plan covers up to age 99. Please see here to know the coverage details:
INF Premier insurance(Fixed benefits) This plan covers up to age 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please more details here:
Please let us know if we can help you in any further.
Regards,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:INF Elite X Plan This is a comprehensive plan and provides a policy maximum option of $75,000 for the age range of 70 to 99.Depending on the deductible selected and the age the coverage varies from 20,000 to 25,000. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see here for more details:
INF Premier plan This is a fixed benefits plan and this plan provides a policy maximum of $100,000 for age range of 70 to 99. Depending on deductible selected and the age, coverage varies form 15,000 to 60,000. Please see here for more details:
Trawick International have plans that are 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. This plan will cost about $1,499 for the dates you gave me with a $50,000 maximum and a $250 deductible. Please find the answers to your questions below:
For information on the policy and to buy it, please use these pages:
Safe Travels USA Comprehensive
Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
We wish you and your family safe and happy travels!
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 (877) 340 7910 and we are more than happy to help by answering any further questions you may have.INF Elite X Plan Thank you for your email. Here are some plans that are best suited for people with pre existing conditions. 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:
INF Premier plan This is a fixed plan from INF and provides full pre existing condition coverage. The amount covered depends on the deductible chosen and the age of the person. This plan covers up to age 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see here for more details:
Travel Medical USA Visitor Basic plan: This is a fixed plan from Seven Corners and this plan provides a policy maximum of $100,000 for people in age range of 70 to 99. Acute onset of pre existing condition coverage is available with the plan up to the age of 79.
Safe Travels USA Comprehensive plan Here is another plan from Trawick International. This plan provides a policy maximum of $50,000.
You can also buy the same plan for yourself or the Atlas International.
If you need further assistance, please feel free to contact us.
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. 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) Safe Travels USA Comprehensive plans includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.
Safe Travels USA Comprehensive
Patriot Platinum plan Another excellent option is the which can be purchased at high maximums ($500k, $1 million and $100k for persons over 70). Their coverage is also for "acute onset" of pre-existing conditions for up to $50,000 for medical expenses and an additional $25,000 for emergency medical evacuation for persons up to age 65. US citizens with primary health plans are covered to the policy maximum and those without are covered up to $20,000 only. After age 65, both US and non-US citizens are covered up to $2,500 for pre-existing conditions.
Travel Medical USA Visitor Insurance An economical option comes with the plan which covers any pre-existing condition up to the maximum of the plan you purchase one time with benefit limits as listed for the plan. As a fixed plan, it only covers set amounts per each medical expense (see brochure for details) and is only for persons under 70 years old.
Visitor's Care The most limited plan is with the very popular and economic plan. They offer a "Heart Care Plus" rider which can be purchased which covers of $5,000 (for persons under 70) or $2,500 (for persons 70 and up) in the event of a heart attack or stroke even if due to a pre-existing condition.
You can also visit Pre-existing coverage visitor insurance plans page for summary table.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 providing us an opportunity to be of service to you!
Regards,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.INF Elite X Plan This is a comprehensive plan from INF and is available for Non US residents traveling to USA,canada and Mexico. Covers full pre-existing conditions up to 99 years. Here are the details.
INF Premier X Plan This is a fixed plan that is available for Non US residents traveling to USA,canada and Mexico.The Premier plan covers full pre-existing conditions up to 99 years. Here are the details:
The other 2 plans that we have for your father cover the sudden recurrence of the pre existing condition up to the age 70. One is a Fixed Plan and the other is a Comprehensive plan. Both the plans are from the same company IMG(International Medical Group).
To understand the difference between the Fixed and the Comprehensive plan, please visit the below link : Fixed Vs Comprehensive
1. Visitors Care (Fixed) The Visitors care policy by IMG is very affordable and makes it a hugely popular choice short term medical insurance for visitors to USA.
2. Safe Travels USA Comprehensive (Comprehensive plan):This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.
Safe Travels USA ComprehensivePlease let us know if we can help you in any further.
Regards,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.
Patriot America plus from IMGThe Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. This company has recently made a new policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy.
You can get all information about Patriot America Plus insurance by reviewing the website. You can buy the Patriot America Plus insurance policy online.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.The Patriot America Plus plan covers people for new sickness and emergency and covers for "acute onset" of pre-existing condition.
To find other plans that cover's acute onset of pre-existing condition, use link: Pre-existing conditions coverage plans
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 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.Any sudden recurrence of the pre existing condition is covered up to the maximum policy limit in this plan.Here are the links for the policy details for your reference:
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 X Plan 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.
INF Premier insurance This is a fixed plan that is available up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of the plan:
Travel Medical USA Visitor Basic This is a fixed plan from Seven Corners and provides coverage for a max of $100,000 up to the age of 99. This plan covers acute onset of pre existing condition up to the age of 79. Here are the details:
Travel Medical USA Visitor Choice plan This is also from Seven Corners. This is similar to the Travel Medical USA Visitor Basic plan but slight difference can be observed with the benefits.
Atlas America An excellent option is found in the Atlas America/International plan. They cover the pre-existing condition up to the medical maximum which can be up to $1,000,000. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
Atlas Premium An excellent option is found in the Atlas Premium/International plan. They coverage for pre-existing condition is up to the medical maximum of the plan which can be up to $1,000,000 maximum. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
Safe Travels USA Comprehensive Safe Travels USA Comprehensive, plan provides only $50,000 policy maximum option for people above 70.
Let me know if I have missed any of the information or in case of any questions.
Regards,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 X Plan 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:
INF Premier plan This is a fixed plan from INF and covers up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the details here:
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.Atlas America is a great choice particularly if you are interested in $100,000 maximum and your visitor is under 80 years of age since they offer a matching $100,000 for coverage of "acute onset" of pre-existing conditions. This is also a great option because if you use in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills).
Atlas America
The other excellent option is Patriot America Plus by IMG:
Let us know if you have any further questions.
Regards,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 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.INF Elite X Plan This is a comprehensive plan from INF and offers a maximum of $75,000 for people in the age range of 70 to 99. This plan provides full pre existing coverage. 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:
INF Premier plan: This is a fixed plan and offers full pre existing condition coverage up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. The coverage is specific to the deductible chosen and the age of the individual. Here are the details:
Travel Medical USA Visitor Basic: This is a fixed plan from Seven Corners and provides a policy maximum of $100,000 for people above 70 up to 99. It offers acute onset of pre existing condition coverage for people up to age 79.
Travel Medical USA Visitor Choice plan: This is a fixed plan and is similar to the Basic plan but the specific benefit coverage varies. Here are the details:
Below are a few more comprehensive plans if interested:
1. Atlas America from WorldTrips Atlas America is a great choice particularly if you are interested in $100,000 maximum and your visitor is under 80 years of age since they offer a matching $100,000 for coverage of "acute onset" of pre-existing conditions.This is also a great option because if you use in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills). These features make it a really good option for visitors to the US.Policy Period: This plan has a policy period of 364 days.To get a quote and purchase the plan, use the links below:
2.Patriot America Plus from IMG: The other excellent option is Patriot America Plus. They are very economically priced. They offer coverage for "sudden and unexpected recurrence" of a pre-existing condition up to choosen plan maximum for customers up to 70 years. The coinsurance is only 10% of the first $5,000 after the deductible. These benefits make this plan another excellent choice.Policy Period: This plan can be bought for up to 2 years.To research your options, check prices, brochure or PPO network, you can go to this page on our website:
Payment of premium: The money you pay is for the entire duration that you specify while purchasing with the start and the end date.
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! 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.
Atlas AmericaPlease let us know if we can help you in any further.
Regards,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-existingINF Elite X plan: This is a comprehensive plan from INF. This plan provide full pre existing condition coverage unlike most of the other plans. This plan covers people up to the age 99 . The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the plan and coverage details of this plan.
Travel Medical USA Visitor Insurance plan from Seven Corners has been updated where it comes in two versions as Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice. Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice plans provide coverage for acute onset of pre existing conditions up to the age of 99. The coverage reduces for the ones in the age range of 70 to 99. Please see here for plan and coverage details:
Compare Travel Medical USA Visitor plansThe most limited plan is the very popular and economic Visitor's Care plan. They offer a "Heart Care Plus" rider which can be purchased which covers of $5,000 (for persons under 70) or $2,500 (for persons 70 and up) in the event of a heart attack or stroke even if due to a pre-existing condition.
You can also visit Pre-existing coverage visitor insurance plans page for summary table.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 providing us an opportunity to be of service to you!
Regards,Thank 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,The Atlas America policy covers complications of pregnancy in the first 26 weeks of gestation. So, the only thing it would NOT cover are regular OB visits, ultrasound, etc. This is the best option for your wife's situation.
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.2. Patriot America Plus: This plan is available for Non US citizen visiting the US and US citizen visiting the US for short period of time. This plan covers acute onset of pre-existing condition up to the age of 70.
Here are the 2 plans from the company INF that provide full pre existing condition coverage. This is available for people up to the age of 99.
1. INF Elite X Plan: This is comprehensive. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
2.INF Premier 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 if we can help you in any further.
Regards,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!
We wish you and yours safe and happy travels!The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on the factors such as visitor’s age, duration of the coverage, medical maximum and deductible.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| Safe Travels Advantage | $25,000 | $0 | Up to 89 yearsopen_in_new | $39 |
| Visitors care | $25,000 | $100 | Up to 70 yearsopen_in_new | $40 |
| Safe Travels Elite | $25,000 | $0 | Up to 89 yearsopen_in_new | $50 |
| Visit USA Budget | $50,000 | $250 | Up to 65 years and aboveopen_in_new | $49 |
| Safe Travels USA Cost Saver | $50,000 | $250 | Up to 69 yearsopen_in_new | $139 |
| Visitors Preferred | $50,000 | $250 | Up to 70 yearsopen_in_new | $148 |
| Atlas America | $50,000 | $250 | Up to 79 yearsopen_in_new | $151 |
| Patriot America Plus | $50,000 | $250 | Up to 70 yearsopen_in_new | $164 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $168 |
| Safe Travels USA Comprehensive | $50,000 | $250 | Up to 69 yearsopen_in_new | $172 |
| Venbrook Premier | $50,000 | $250 | Up to 70 yearsopen_in_new | $176 |
| Diplomat America | $50,000 | $250 | Up to 70 yearsopen_in_new | $229 |
Source: American Visitor Insurance®
The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of travel medical insurance with coverage for pre-existing conditions in the US based on quotes for one month for 60 year old traveler.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| VisitorSecure | $50,000 | $100 | Up to 70 yearsopen_in_new | $55 |
| Atlas International | $50,000 | $250 | Up to 79 yearsopen_in_new | $117 |
| Patriot International Lite | $50,000 | $250 | Up to 70 yearsopen_in_new | $121 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $121 |
| Intermedical | $50,000 | $250 | Up to 80 yearsopen_in_new | $121 |
| Atlas Premium International | $50,000 | $250 | Up to 79 yearsopen_in_new | $164 |
| Safe Travels International | $50,000 | $250 | Up to 69 yearsopen_in_new | $233 |
Source: American Visitor Insurance®
Review US visitor insurance plan benefits.
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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