Visitors Insurance for Senior Citizens Forum

Hi,
I have US Medicare and am 75 years old. can you give me a quote on medical insurance that will cover me for my one month trip to New Zealand?
Thanks,
Mike


Dear Mike,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are suitable plans for your trip outside the US:

1. Globe hopper plan from the company International Medical Group:
You can see all the details about the plan in the above link. You can ‘buy Globe hopper Senior insurance here’.
To purchase the policy, use this link:
      Plan Details      Buy Now      Brochure

If you are a frequent traveller, you can ‘Buy Globehopper Senior Citizen Multi trip travel insurance’ .
      Plan Details      Buy Now      Brochure

2. Patriot Platinum International plan from International Medical Group:
      Plan Details      Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hello,
My parents who are in their 70’s are traveling to London for 3 weeks. They are both US citizens and have Medicare coverage here in the United States. What is the best travel insurance option for them while they are in the UK?
Thank you,
Jhon


Dear Jhon,
The GlobeHopper Senior plan offered by the International Medical Group (IMG) works very well in your parents situation. The plan offers $ 1 million coverage for travellers up to 79 years, and $100,000 cover for travellers over 80 years. GlobeHopper senior also provides $2,500 coverage for sudden unexpected recurrence of a pre-existing condition and has a $25,000 cover for emergency medical evacuation.

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hello,
My mother and aunt are visiting US in a week and I wanted to get health insurance for them. My mother is above 70 and my aunt is 65.
I want to get the best coverage for both of them and wanted to get your suggestion on which one I should get.
Please let me know.
Thank you,
Adithya


Dear Aditya,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Here is a plan that you can consider: Atlas Travel plan from the company Tokiomarine HCC:
      Plan Details      Brochure

This plan have upgraded to cover the acute onset of pre-existing condition up to the age of 80.You can see the details of this plan in the above link. The plan provides a policy maximum of $50,000,$100,000 and $250,000 for people even for the age above 70 and for below 70 this plan provides up to a $1,000,000 maximum coverage. Amongst the other excellent comprehensive plans, this plan provides the best policy maximum with coverage for acute onset of pre-existing condition. Here is the BUY link for this plan:Click here

There is a new version for this plan which is similar to the Atlas travel but has higher coverage for political evacuation, trip delay and interruption...This is the Atlas Premium plan:


This plan works similar to the Atlas Travel plan with a upgrade in coverage for political evacuation, trip interruption...

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hello,
I want to get a quote for how much it would be for 3 traveler's insurance from Mexico to US (Houston). Ages 96, 83, 61.
Thank you,
Estrella


Dear Estrella,
Thank you for contacting American Visitor Insurance with your inquiry!
You do have a few choices for travelers 90 years old and over. The maximum 'comprehensive' coverage you get is either $10,000, $15,000 or $20,000, while you can get more coverage with 'fixed benefit' plans.
To know the difference between fixed and comprehensive plans, please Click here

INBOUND IMMIGRANT plan from Seven Corners:
Inbound Immigrant is available at $50,000 maximum and is an excellent fixed plan option. It is designed for persons with or awaiting green cards and can be renewed up to 5 years. For a fixed plan, it has high coverage amounts and you can choose the higher deductible to save some money on the premium. Here are links to that plan:
      Plan Details      Buy Now      Brochure
PPO Network (You are not required to use their network, but it facilitates direct billing and discounting in bills): PPO Network

For the other travelers who are less than 90 years of age, you can buy this plan:
SAFE TRAVELS USA COMPREHENSIVE:
To purchase the policy, use this link:
      Plan Details      Buy Now      Brochure

Please let us know in case of further questions.

Regards,
Customer care
877-340-7910

Hello there,
My mother is 74 yrs old and I am looking for a travel insurance plan for her to travel to Japan. Can you please help me with that?
Thank you,
Yogi


Dear Yogi,
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:

1. ATLAS INTERNATIONAL:
In this page you can get all the information about the plan and you can also take a quote.
For 10 days trip to Japan, this plan costs $72.70 for a policy maximum of $50,000 and a deductible of $0. This plan has a policy maximum options for both $50,000 and $100,000. This plan does NOT cover the pre-existing condition for people above 70. Outside of the US this plan will pay 100% after the deductible up to overall policy maximum.
To purchase this plan, please use the below BUY link: Buy Atlas International Insurance

2. SAFE TRAVELS INTERNATIONAL:
You can get all the information about the plan in the above link:
This plan also covers 100% after the deductible and provides good coverage for acute onset of pre-existing condition. This plan also has the option of $50,000 and $100,000 for the policy maximum. This plan costs $94.51 for the policy maximum of $50,000.
To purchase this plan online, please use the below BUY link: Buy Safe Travels International Insurance

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Dear Customer support,
My parents who are 90 and 84 years are visiting me in the US. I am having a difficult time finding any plans using your quote comparison facility. Please help.
Thank you,
Anne


Dear Anne,
Thank you for visiting American Visitor Insurance for your family travel insurance needs. Given your parents age, there are limited insurance options, and you need to choose a low medical maximum to find the options for your elderly parents. The reason is that with older travelers, the maximums of policies that are available go down. So, the first thing you must do is look up results for each person separately. If you don’t then the younger traveler ends up with the same limitations as the older one. So, to get results for one traveler who is 90 years old, you should change the maximum of plans to "$25,000 or less” to get any results. The 84 year old has more options, but the best options can be seen when choosing “$26,000 to $50,000”.

For the 90 yr old visitor, the highest maximum you can get is only $20,000 from the Patriot Platinum plan. It will cost about $559 with a $250 deductible for the dates of the trip. You can choose a higher deductible to reduce your premium cost.

Here are the details on the Patriot Platinum plan from IMG:
      Plan Details      Buy Now      Brochure

Another option is to get Patriot America Green which only has a $10,000 maximum and will cost $315 for the same parameters.
      Plan Details      Buy Now      Brochure

For your 84 yr old traveler you can purchase up to $50,000 maximum. The best option is a comprehensive plan called Safe Travels USA Comprehensive. It will cost about $375 with a $250 deductible.
      Plan Details      Buy Now      Brochure

You also have a fixed option for this traveler and that plan will cost $127 with the same parameters. Don't forget though that this plan does not offer as complete coverage as a comprehensive plan (all the others I have recommended).
      Plan Details      Buy Now      Brochure

I hope this breakdown helps you decide on the best option for your visitors. You can make your purchase online or give us a call if you run into any issues or have additional questions.
Wishing you and yours safe and happy travels,

Regards,
Customer care
877-340-7910

Hello,
I am in New Zealand, which is 15-19 hours ahead, so please do not call in the middle of the night :)
I am looking at purchasing SAFE TRAVEL USA from June 11 - July 07. I am 70 years of age. Is it possible to buy more than one policy in order to increase the insurance cover from $50k. One reads of disasters, where people are hospitalised, with bills of $550k+.
Thank you!
Ray


Dear Ray,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Two policies cannot be purchased in order to increase the policy maximum. If you need a higher policy maximum on your plan, here is a plan which has a policy maximum of as high as $100,000.
Here are the details on the Patriot Platinum plan from IMG:

      Plan Details      Buy Now      Brochure

Please look under the comprehensive plans tab in the below link for more plans in case you are interested: travel insurance over 70 years.

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hello,
I am interested to buy the visitor insurance for my parents but I have a few questions.
What are the restricted plans in the state of New York?
What plans pay the bill directly to the provider?
Which PPO network is good? United Health Care or First Health network?
If you can answer them that will be great!
Thank you!
Harish


Dear Harish,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Following our conversation, I spoke to International Medical Group (IMG) insurance company regarding their plans(including Patriot plans).
Their plans do not have state restriction for the state of New York.
As I already mentioned, the Atlas plan specifies in the brochure that they do direct billing with the provider if you go to a facility within the PPO network. IMG also said that they have contract with some providers in their network where they do direct billing with them. So, you need to check that with the provider during your claim.
Regarding the First Health and the United Healthcare network, both are large networks across the country. There is not much specifically that we can differentiate about them.
Here are the details on the Patriot America Plus plan from IMG:

      Plan Details       Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hi,
My mother is visiting me for 2 weeks and coming from Spain. She is 85 years old. Please suggest medical insurance plans for her as she has high blood pressure.
Thank you!
Clara


Dear Clara,
Thank you for your email and your query over the phone. I would recommend that you use our comparison tool on our website home page for insurance for your mother at

American Visitor Insurance

Given your mothers' age and high blood pressure, I would select 'yes' to her having pre-existing conditions. I would choose one of the available plans based on your budget and specific coverage requirements.

Please call us or email us if you need specific clarification..

Regards,
Customer care
877-340-7910

Hi,
To whom can help me: I am trying to secure travel insurance for my parents aged 64 on June 23 and 70 who will be taking a cruise one way from Southampton, England to NYC from July 21-28th. Essentially I want something that will refund their tickets in case they have to reschedule. I am currently in Germany with them and my cell doesn't cover the UK or outside the EU. Please let me know what is available as soon as possible as I would like to book their cruise.
Thank you!
Simonne


Dear Simonne,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Insurance plans start reducing their benefits after the age of 70 and above. For your parents we can recommend comprehensive plans. These plans are among those which provide good benefits even for people 70 and above.

Here are 2 of them :
1. Patriot Platinum plan from IMG. This plan has a policy maximum of $100,000 available for people of 70 and above. This plan also provides a maximum of $2,500 for an acute onset of pre-existing condition. To buy this plan, please visit the below BUY link :

      Plan Details      Buy Now      Brochure

2. Safe Travels USA Comprehensive from Trawick International. This plan provides a policy maximum of $50,000 for people above age 65. This plan provides a $25,000 for acute onset of pre-existing condition.For heart related issues, this plan provides $15,000 for acute onset of pre-existing condition. To get quote and buy this plan, please visit the below BUY link :

      Plan Details      Buy Now      Brochure

For refunding the trip cost in case you need to reschedule, you will have to buy a separate trip insurance. For that please look at our trip quote facility at the below link :

Travel Insurance

To see the difference between trip insurance and travel/medical insurance, please visit the below link :

Trip vs Travel vs Global

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hi,
I am planning to buy medical insurance for my parents visiting in US. Is there a combined plan or I have to buy for each individual?
Thank you!
Prathmesh


Dear Prathmesh,
You can put married couples together on a policy although each has their own deductible and maximum. However, you can also purchase separately if, for example, one person has a pre-existing medical condition and the other doesn't OR if they are from different age groups (70 year old has more limitations on their plan than a 60 yr old, so you should buy separately).

Regards,
Customer care
877-340-7910

Hi,
I am helping a friend find travel health care insurance. He is wanting to visit Canada for approximately 6 months, which is his allotted time here. He is 75 in May, He is on the usual old age blood pressure pills, asthma meds. Also meds for Alzheimer's disease. In Febuary he was hospitalized for his asthma, which had turned into bronchitis. I would think he would not need insurance coverage for the asthma as we are not that far from a US hospital. You consider that a preexisting condition? Can you give me a quote for this & any other particulars he should know. If accepted does he pay in US currency?
Thank you!
Beverley


Dear Beverley,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Following our conversation on phone, the plans that are suitable for your visitor who is US citizen visiting Canada are given below:
For a policy maximum of $50,000 and a deductible of $250 and for the specified time period from May 10, 2017 to Nov 1, 2017, here are the plan details and price information:

1) Liaison Travel plan series: There are 3 kinds of this plan which comes as Choice, Economy and Elite. The price of these plans go high in the order given. The Elite plan covers up to $10,000 for people above 70 for acute onset of pre-existing condition.These plans cover US citizens and Non US citizens traveling outside their home country.
You can buy Liaison Travel plan series online.

2) DIPLOMAT AMERICA Plan A: This plan does not cover pre existing condition for the age of 75.
To get quote on the buy page and purchase this plan online, please visit the below BUY link:
This plan costs $1,592.80 for a period of 176 days for the all the criteria specified above.

      Buy Now      Brochure

For a policy maximum of $100,000 and a deductible of $500, here are the plan details:

3) DIPLOMAT AMERICA Plan B: This plan does not cover pre existing condition for the age of 75.
To get quote on the buy page and purchase this plan online, please visit the below BUY link:
This plan costs $1,937.23 for a period of 176 days for the all the criteria specified above.

      Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hi,
How much would be total cost for buying health insurance for couple(Senior citizen) going USA for 6 months. Please let us know
1. What is the procedure?
2. How to claim?
Thank you
Ankur


Dear Ankur,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! I tried calling the number you provided with no success. If you are looking for plan that will cover people who are over 60, you may use link below:

Older Traveler Plans

From here you can compare prices between insurance plans, read the brochures and buy the plan.

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hi,
my in-laws have come to the Uk for visiting purposes. can they still get medical insurance from here to protect them against any emergencies. Both are over 80 with the normal health issues of this age.
Thank you


Dear Customer,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! For your in-laws visiting the UK, the highest comprehensive plan you can get for them is only $20,000. These plan will cover them for new sickness and emergency while they travel outside their home country.

The first option is the Diplomat International by Global Underwriters. Below you can find the details, brochure of the plan and purchase the plan:

      Plan Details      Buy Now      Brochure

The second option is the Patriot Platinum by IMG:

      Plan Details      Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
877-340-7910

Hi,
What happens after 70 years of age. And the quotes are in US dollars?
Noah


Dear Noah,
All quotes on our website are in US dollars. I'm not sure which plan you are looking at. At 70 years of age, most plans only offer $50,000 maximum coverage which is reduced further at 80 yrs of age. Also, for some plans, the "acute onset of pre-existing condition" coverage is no longer valid once a person is 70 years old.
One little trick is that if you purchase a plan while you are 69, you get to pay the 69 rate for the whole time (even if you hit your birthday); but the "acute onset" benefit does go away on your birthday.
However, next time you purchase it, the price and maximum options will reflect a new price and limitations.
If you have more specific questions I was not able to decipher, please email us back.

Regards,
Customer care
877-340-7910

Hello,
My father is a Pakistani citizen. He is coming to UK AS A VISITOR. He is 84 years old .. He is coming to visit UK for 3 MONTHS. Can you please quote me how much it costs to cover him for TRAVEL HEALTH INSURANCE. I am his son living in UK. And I will pay you in STERLING. Plz ring me to provide me a quote.
Thank you
Hamid


Dear Hamid,
Thanks for contacting American Visitor Insurance with your inquiry!
The maximum 'comprehensive' coverage you get is either $15,000 or $20,000, while you can up to $50,000 to $100,000 maximum coverage with 'fixed benefit' plans.
To know the difference between fixed and comprehensive plans, please refer to Fixed vs Comprehensive.
We usually recommend comprehensive plans over the fixed option, but for this age group the cost and low maximums do not seem to justify the very high price. All the policies below require a US address which can be a hotel where you are staying during your trip or a relative's home. Also note that with a fixed benefit plan, the higher the maximum of the plan, the higher the amount that will be paid for each medical expense, so it is worthwhile to consider the higher options since they are still a tremendous savings over the comprehensive plans.

• INBOUND GUEST Plan L:
  For your visitor who is above 80, this is the plan that provides a $100,000 max coverage.
  Review all information about Inbound Guest insurance plan details and buy Inbound Guest insurance policy online.
• INBOUND IMMIGRANT:
  This plan provides a max of $75000 coverage for your visitor above 80. Another advantage of Inbound Immigrant is that it is renewable up to 5 years.
  For more information regarding the Inbound Immigrant plan, please peruse the Inbound Immigrant plan brochure and buy Inbound Immigrant Insurance plan online.
• You can purchase the INBOUND USA with a $50,000 maximum.
  you can buy the Inbound USA insurance plan and read the Inbound USA plan Brochure online.

Our comparison tool below will show you available options for seniors 80+:
Visitors Insurance for 80+ travelers
When you are ready, you can use the links above to make your purchase. You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day. Once you make your purchase, you will get a policy or certificate number.
To see more options for the 80+ visitor, use our special website here. You can click on "Fixed Plans" or "Comprehensive Plans" to compare what the prices and coverage available:
Visitors Insurance for 80+ travelers
Please let us know if we can help you any further. We wish you safe and happy travels!

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am trying to arrange insurance for my 84 year old father who will be travelling with me to the USA in July 2016, for 2 weeks. He had a coronary bypass about 4 years ago and has had no further problems with his heart. Are you able to provide cover for him?
Thanks,
Maxine


Dear Maxine,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
For people above 80 years of age, we have few fixed plans which offer maximum coverage starting from $50,000 to $100,000. But these plans do not provide any coverage for pre existing condition. There is a plan called Visitors Care from IMG. This plan is a fixed plan and provides maximum coverage of $10,000 for your father but provides $2500 coverage for acute onset of pre existing condition.
Here is the information for the Visitors Care plan:
For product details, please visit the below link:

You can buy the Inbound Guest insurance policy online by reading the brochure. Please let us know if we can help you in regarding to the Inbound Guest insurance plan details.
If you are interested in other fixed plans with higher policy maximum, please visit the below link and have a look at the plans:
Popular plans for travelers over 80 years
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am having my parents over for a visit and they are 71 and 68 yrs old. I am looking for good health insurance plan for them for 2 months.
Are there any plans available?
Thanks,
Kumar


Dear Kumar,
Thank you for contacting us for your insurance needs.

Here is the link to our product page on our site:
Plan Details
You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.
This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
To purchase the Atlas America plan, you can go directly to this site:
Buy Online
Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910

Hi,
My parents are visiting me in US from Iran. Their ages are 86 and 73. Can you recommend visitor insurance plans suitable for them. I think I have to buy 2 separate plans for them? Please advise

Thanks,
Kamrani


Dear Kamrani,
Here are the options for people above 80:
You do have a few choices for travelers over 80 years. The maximum 'comprehensive' coverage you get is either $15,000 or $20,000, while you can up to $50,000 to $100,000 maximum coverage with 'fixed benefit' plans.
To know the difference between fixed and comprehensive plans, please refer to - Fixed vs Comprehensive
We usually recommend comprehensive plans over the fixed option, but for this age group the cost and low maximums do not seem to justify the very high price. All the policies below require a US address which can be a hotel where you are staying during your trip or a relative's home. Also note that with a fixed benefit plan, the higher the maximum of the plan, the higher the amount that will be paid for each medical expense, so it is worthwhile to consider the higher options since they are still a tremendous savings over the comprehensive plans.
INBOUND GUEST Plan L:

For your visitor who is above 80, this is the plan that provides a $100,000 max coverage.
you can get all details about Visitors Care insurance policy and buy the Visitors Care insurance policy online.

INBOUND IMMIGRANT:

This plan provides a max of $75,000 coverage for your visitor above 80. Another advantage of Inbound Immigrant is that it is renewable up to 5 years.
Please visit over Inbound Immigrant insurance website for the more information regarding to the plan deatils and brochure. you can also buy the Inbound Immigrant insurance policy online.

Or, you can purchase the INBOUND USA with a $50,000 maximum.

you can buy the Inbound USA insurance plan and read the Inbound USA plan Brochure online.

Our comparison tool below will show you available options for seniors 80+.

When you are ready, you can use the links above to make your purchase. You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day. Once you make your purchase, you will get a policy or certificate number.
To see more options for the 80+ visitor, use our special website here. You can click on "Fixed Plans" or "Comprehensive Plans" to compare what the prices and coverage available.

For people above 70, below are the options available
For this age group, the options are limited, so we have put this detailed email together for you.
The only plan which offers coverage at the $100,000 coverage is the Patriot Platinum. It is an excellent high end plan which also covers up to $2,500 for acute onset of any pre-existing condition with an additional $25,000 for emergency medical evacuation for the pre-existing condition.You can use these links to view details:

You can also buy the Patriot Platinum Insurance plan online by perusing the Patriot Platinum insurance brochure. Please let us know if we can help you with any queries regarding Patriot Platinum Insurance plan details.

Most plans available offer coverage up to $50,000 maximum for the travelers between 70 and 79 years of age. You can use our general search engine to view these options, however do note that if you choose a very high maximum (over $100,000), there won't be any options displayed, because high coverage are not available for this age group. Also, if you are also purchasing for another individual who is under 70, you should consider purchasing separate policies AND putting their information into the compare engine separately so that you get the most options for the younger traveler.
Enter the traveler's age, travel dates and other information to get a free comparison of travel medical insurance quotes using: Compare tool.

The other plan which covers $2,500 for acute onset of a pre-existing condition with a $50,000 maximum is the Patriot Green plan. You will find a link for it below:

To get all the information on Patriot Green insurance: Plan Details

Regards,
Customer care
+1 (877) 340 7910

Hi,
I am trying to buy an insurance for my grandmother who is 73 years old and is travelling from Colombia to USA from july 6 2015 until july 21 2015 . Do you have any suggestions?
Thanks,
Lilian


Dear Lilian,
The Visitors care policy by IMG is very affordable and makes it a hugely popular choice short term medical insurance for visitors to USA. This is a fixed policy which has a set amount that it will pay for each medical expense (see brochure for details). The higher the maximum, the higher the amount paid, so I recommend getting the $100,000 maximum. It also has a heart care rider which will pay up to $2,500 in the event of a heart attack or stroke. The price with the rider is $142 and without is $110 for the $100k maximum with a $100 deductible. The price for the policy with a $50,000 maximum with the rider is $60 or $46 without the rider with a $50,000 maximum.

you can get all details about Visitors Care insurance policy and buy the Visitors Care insurance policy online.

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910

Hi,
I would like a quote about travel insurane for someone who is 83 years and is coming from Pakistan to the US.
Thanks,
Sam


Dear Sam,
I have emailed you the results of a search for plans that meet your requirements from our website. Unfortunately, the highest maximum for the 80+ traveler outside US is $20,000. Here is a link also where you can search different options for the older traveler:
Travel Health insurance options for travelers above 80 years
A fixed plan with a $10,000 maximum will cost about $157 per month. A comprehensive plan with a $10,000 or $15,000 maximum will cost about $400 per month. A comprehensive plan with a $20,000 maximum will cost about $933 per month.
Please feel free to contact us in case of any further questions

Regards,
Customer care
+1 (877) 340 7910

Hi,
My parents are visiting US for 23 days. My mother is 80 and my father is 78. Can you suggest a good plan for them?
Thanks,
Manisha


Dear Manisha,
Thanks for contacting us with your inquiry!
Below are the details:
Given your parents ages of 78 years and 80 years, the only fixed or scheduled benefits plan available at $100,000 medical maximum coverage is the Inbound Guest plan offered by Seven Corners Inc.
Here are some suggestions:
For a $100,000 max coverage:
For your mother since she is 80 years you can purchase the Inbound Guest:
You can review the brochure of this plan at:

Inbound Guest Brochure. You can buy the plan using this weblink: Buy Inbound Guest. For your father given his age of 78, you can purchase Patriot Platinum Comprehensive plan offered by International Medical Group:
You can review the brochure of this plan:

Patriot Platinum Brochure. To purchase this plan, here is the buy link on our website: Buy Patriot Platinum. If you want a comprehensive plan for your mother as well, then you have to settle for a policy maximum coverage of less than $25,000. If you are willing to do that, then you can purchase Patriot Platinum for her as well which will provide a policy max coverage of $20,000.
To know the difference between a Fixed and a Comprehensive plan, visit this link: Fixed vs Comprehensive Coverage. We hope this will help you make an informed decision.
Please feel free to contact us in case of any further questions

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am very interested in your webpages' several plans for my mother, 74 years old, this summer traveling from China to US for 6 month's visit . Could you answering my following questions: 1. This plan has a "deductible $250 per period", what's this meaning?
a) does this imply that I need to pay the first $250 each period ( monthly or 6 months??) for sickness, and then the coinsurance pays 90% of the left amount up to the first $5,000?
b) Who pays the 90% of the first $5,000? ( The plan or me?)
c) after the $5000, then plan pays 100% up to policy max $50,000. Does this include all the medical cost (Doctor visit, medical treatment, hospital, and drugs...)


Dear Li Rong,
Thanks for contacting us with your needs!
a) Deductible $250 per policy period: This means that for the entire policy period, you pay the amount of $250 only once regardless of the number of times you get sickness/injuries during the policy period. In your case, if you purchase insurance for 6 months, you pay this amount only the first time you incur an expense for the entire 6 months irrespective of how many times you incur expense.
b) For the coinsurance, when you incur an expense, for the first $5000 of the expense incurred, the 90% of the incurred expense is paid by the plan after deducting the deductible amount. The rest needs to be paid by you the customer.
c) Once, the incurred expense goes beyond $5000, the plan pays 100% up to $50,000. We highly recommend viewing the brochure of the policy that has the details.

Regards,
Customer care
+1 (877) 340 7910

Some plans (say HCC MIS/ Visitor Care) cover reasonable cost, they pay $ 55 for each doctor visit and Rx. Drugs $250 per period.
a) Does this mean the plan cover $250 drug expenses for each period and the plan pay pack the customary expenses of $55 for each doctor visit?
b) how to claim back the customary expenses if the amount excesses the "deductible amount" ? since my mother does not have a bank account in US, so you will pay to my account?
c) How to claim back some customary medical expenses? by calling your 7/24 claim department (operator) or by mailing the bill or swiping your (health)card issued my mother?
d) Does "Patriot American" have such coverage?


Dear Li Rong,
2. Some plans (say HCC MIS/ Visitor Care) cover reasonable cost, they pay $ 55 for each doctor visit and Rx. Drugs $250 per period.
a) Yes. This means that the plan will cover up to $250 for prescription drugs for the policy period. Yes, also that the $55 for doctor visit is for each doctor visit. Again we recommend to see the brochure of the policy for the number of doctor visits allowed per policy period.
b) You can fill the claim forms that is available on our website for specific Insurance companies and attach the invoices and statements and can receive the money. For precertification, which is usually needed in case of hospitalization, surgery etc. you can call the toll free number of the company given in the ID Card. These details are also available in the brochure of the policy.
c) The answer for this is same as b mentioned above.
d) Patriot America is a good plan from IMG and has all of the coverage.

Regards,
Customer care
+1 (877) 340 7910

Comparing to "Visitors Care" and "Inbound USA", where two plan pay 100% of covered amount after the deductible $250 and pay $55 each doctor visit.
a) What's the meaning?
b) are these two above plans "Fixed Benefits" or "Comprehensive", since the web page only shows "Fixed vs Comprehensive plans"
c) Are these two plan better than Patriot America? In Patriot America, there the plan does not pay $55 for doctor visit, and does not cover 100% of covered amount, even should be after the first $5,000
d) do you recommend me to buy "Visitor Care" or "Inbound America", or other plans.


Dear Li Rong,
a)Visitor's Care and Inbound USA do not have a co-insurance amount associated with them like Patriot America. This is because they are both scheduled or fixed benefit plans Therefore it says that the plan covers 100% after meeting the deductible amount. But this does not mean that they are better than Patriot America. We recommend Patriot America over these two policies.

b) Visitor's Care and Inbound USA are fixed or scheduled benefit policies. Patriot America is an excellent comprehensive policy.
c) Patriot America is better than the other 2 fixed benefit policies. In fixed policy the coverage amount is defined and limited. For instance, if you incur an expense of $10,000 and the fixed policy limit has been set to $5000, the policy provides only the specified $5000. The fixed benefit policy does not flexibly adjust the coverage amount depending on the incurred expense. Fixed benefit policy works fine when you incur small expenses. Comprehensive policies on the other hand provide flexible coverage up to policy max limit and is always a good option for larger expenses even though they might not cover doctor's visits. And also, most comprehensive plans have some coverage for pre existing condition.

d) If you want a cheaper plan and need limited coverage you can choose a fixed policy, otherwise we always recommend comprehensive plans. Atlas America is also another excellent Comprehensive plan.


Regards,
Customer care
+1 (877) 340 7910

Hi,
Please let me know what are the available options for travelers who are older than 80 years.
Thanks
Raffaela


Dear Raffaela,
You do have a few choices for travelers over 80 years. The maximum 'comprehensive' coverage you get is either $15,000 or $20,000, while you can up to $50,000 to $100,000 maximum coverage with 'fixed benefit' plans.
To know the difference between fixed and comprehensive plans, please refer to - fixed v/s comprehensive coverage.

We usually recommend comprehensive plans over the fixed option, but for this age group the cost and low maximums do not seem to justify the very high price.
INBOUND GUEST Plan L:

Plan Details
For your visitor who is above 80, this is the plan that provides a $100,000 max coverage.
you can get the information regarding to the Inbound Guest insurance plan and also buy the Inbound Guest insurance policy online.

INBOUND IMMIGRANT:

Plan Details
This plan provides a max of $75000 coverage for your visitor above 80.
Another advantage of Inbound Immigrant is that it is renewable up to 5 years. The Inbound plans require a US address which can be a hotel where you will be staying.
Please review the Inbound Immigrant insurance product details section and Inbound Immigrant insurance brochure. You can also buy the Inbound Immigrant insurance policy online.

Our comparison tool below will show you all available options. Please select "less than $25,000" for the maximum comprehensive plans that you can get. The $50,000 to $100,000 maximum coverage will show the fixed benefit plans. To use our comparison tool please go to - Visitors medical compare
When you are ready, you can use the links above to make your purchase.
You will only need the insureds full name, date of birth and a passport number. The coverage is guaranteed and you can make it effective as early as the following day. Once you make your purchase, you will get a policy or certificate number.

Let us know if we can help you any further with insurance for your visitor.
We with you all safe and happy travels!

Regards,
Customer care
+1 (877) 340 7910

Hi,
My mother aged 85 years intends to visit Australia on family sponsored visa for one year. Can you provide a health cover for her.

Thank you,
Aneep Kumar Dewan


Dear Aneep,
Please could you tell us where she is traveling from (her country of residence)? We do have American insurance options for seniors, these can be reviewed at - above 80 years

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hi,
I am an USA citizen
My mother is coming to visit us soon.
She is 96 years old & in good health .
I will like to get coverage for her in case of any emergency.
I understand that the best one for her will be the Inbound Immigrant plan ?
She will need coverage from 12/16/2014 the 3/31/2015
Please, give me information on what definitely will be the best plan for her & what the cost will be.

Thanks
Isabel Orihuela


Dear Isabel,
Thanks for contacting American Visitor Insurance
Inbound Immigrant can provide a policy maximum of $75000 and Inbound Guest Plan L can give you a policy maximum of $100,000.
Here are the costs for the plans and the details for your reference:

Inbound Guest Plan L:

You can buy the Inbound Guest insurance policy by reading the brochure online. Please let us know if we can help you in regarding to the Inbound Guest insurance plan details.

When you click on the above BUY link it will show you the deductible and premium options for the duration you have asked after you give details on the state you reside and date of birth etc. You need to know date of birth of your mother for this.
Inbound Immigrant:

You can buy the Inbound Guest insurance policy by reading the brochure online. Please let us know if we can help you in regarding to the Inbound Guest insurance plan details.

Please let us know in case of any further question.

Regards,
Customer care
+1 (877) 340 7910

Hi,
Can I get insurance of USD 100,000 (Plan L) for age 81 and spouse age 79.
Thanks
Vasant


Dear Vasant,
For your visitor who is 79, the plans that I have suggested are comprehensive plans. If you prefer a fixed plan option with $100,000 max coverage for your visitor who is 79, you can choose Inbound Guest Plan L for them. This plan offers $100,000 coverage for all above 70. Here are the links again for your reference:
For details on this plan, please visit the this link:

you can get all details about Inbound Guest Insurance policy. You can buy the Inbound Guest Insurance policy online.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am comparing Atlas America, Atlas Premium America and Patriot Platinum America. Looking for $100,000 policy.
Question: Can you suggest is 100K policy too much or too less for 73 and 75 years of parents? What are the key difference between these three policies?
I am okay to pay max $250 deductible, if it is worth saving those few $$.
Parents' are intended to stay 6 months (175 days) but not 100% sure. What is the downside of buying 1 month policy and keep extending 1 month in a chunk? V/s buying 6 months and cancelling it, if required?
Regards,
Rajesh Chug


Dear Rajesh,
Thank you for your email. I sent you the details for three different plans for your comparison. They are all comprehensive plans with a policy max of $100,000 and $250 deductible. These are from three deterrent insurance companies. Both Atlas America and Diplomat Long Term do not cover pre-existing condition. While Patriot Platinum covers pre-existing condition up to $2,500.
One of the advantages for Atlas America is the co-insurance. As long as they go within the PPO network co-insurance will be waived. Diplomat and Platinum have a co insurance of 20% and 10% of the first $50,000 respectively.
These plans are renewable. Please refer to the brochures of the plans for renewal requirements. There may be a small renewal fee when you renew the plan each time. So, it is better to buy the plan for the required entire time period.
And as far as the policy maximum is concern, I would say $100,000 for 6 months is more that enough.
If you wish to search for plans at a $50,000 level, you may use this link:
Visitors Medical Compare
Hope this answer your questions. If you have any more questions in mind, feel free to email us.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am looking for maximum coverage for my mother (89 years old, perfect health record proven with medical reports), an Israeli citizen living in Israel and she will visit me from 5/4-7/12/16. It looks that the maximum coverage is $75,000 with INBOUND IMMIGRANT. My wish will be to get a higher coverage, can you suggests anything? Also about purchasing 2 different policies I was thinking that if I have a primary one and a secondary one which let's the max coverage for the first is $75,000 and the second is $50,000 then hypothetically if I have an incident for which the cost can add up to more than $75,000 I can kick the secondary one to complete the rest of the amount. Your thoughts will be appreciated.
Thanks,
Hedy Iancu


Dear Hedy,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! I've been reading up on this issue of two policies. Of course, you cannot do more than one policy with a company, but if you have policies from two different companies, they should dove-tail together. They will fight about who is "primary", etc. because they will both say that they are secondary (but she will have no other insurance, so...).
Since the policies are fixed ones, it will not work as simply as you suggest in your email ($75,000 max and a $50,000 max). However, if one covers $3,350 for a surgery, and the other $2,000, then together, you WILL get $5,350 for that surgery. So, in that sense I think it will work as you suggest. Just be sure that are from different companies (we offer several policies which are slightly different from the same company (Inbound Immigrant and Inbound USA)).
Here is one plan that you can try that gives more coverage than $75,000 as maximum coverage.
INBOUND GUEST Plan L:

For your visitor who is above 80, this is the plan that provides a $100,000 max coverage.
You can buy the Inbound Guest insurance policy online and for more details you can review the policy brochure. Please let us know if we can help you with any information regarding Inbound Guest insurance plan details.

Again, good luck to you and we hope your visitor has a safe and healthy stay!
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910