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Best Travel Medical Insurance For Green Card Holders

Greencard holders medical insurance

Find the best green card insurance or health insurance while waiting for green card

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Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was looking for.
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Moshe

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Ethan

Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company.
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Cinnia

Green card holders can be categorized as follows

Green Card Holders who travel often between the US and their old home country
Green card holders who travel frequently to their old home country and who may are staying permanently in the USA are however still advised to buy good US travel health insurance coverage till they reside permanently in the US and get regular domestic US health insurance. This group of customers should however be aware that these medical insurance for new green card holders do not cover preventative care (health check-ups, vaccinations...) or have limited coverage for pre-existing medical conditions.
Green Card Holders permanently residing in the US
If a US green card holder is living permanently here then he or she is eligible for domestic health insurance plans. However this depends on the age of the Green card holder and the duration of stay within US. If one is below 65 years then they are eligible for domestic health insurance plans such as Blue Cross, Blue Shield, however they are usually eligible only after living in the US for 6 months or more. In this case also, purchasing short term travel health insurance till they become eligible for domestic plans is strongly recommended. For those above 65 years and are not yet eligible for Medicare or domestic health insurance, there are good options offered by INF insurance.
New Green Card Holders or New Immigrants
New immigrants who can be parents or family members who recently arrived in the USA can buy visitor health insurance depending on their duration of stay. Again, these plans can be bought for the period till they are eligible for domestic health insurance.
Applied and waiting for Green Card
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green card and are eligible for other domestic US health insurance options.

Green Card Holder Medical Insurance

Purchasing Green Card Holder Medical Insurance depends on the specific situation of the Green card holder. The following are broadly the different health insurance options for Green card holders.

  • Employer sponsored Insurance: Any Green card holder who has a regular job should try to get health insurance through their employer. Most US employers offer health insurance benefits to their employees and this includes Green Card holders. Employer offered health insurance is affordable as it is part of a larger group insurance and is much cheaper than buying health insurance as an individual.
  • Visitor medical insurance : US insurance providers offer visitors insurance for Green Card holders till they are eligible for insurance either through an employer or are eligible for domestic US health insurance and Medicare. These Green card medical insurance options are available on American Visitor Insurance. Factors for the cost of Green card holder medical insurance are the medical coverage required, the deductibles and the network of healthcare providers.
  • Medicaid: Green Card holders may be eligible for Medicaid which a state and federal program that provides health coverage for low-income individuals and families. However, this is available only to low income individuals and is based on the global assets and income.
  • US Medicare: Green Card holders who have been living in the United States for at least five years may be eligible for Medicare when they turn 65 years old or meet specific disability requirements. However, parents who recently received their Green cards and who have not lived in the US for five years are not eligible for Medicare.
It is important understand what your options are based on your specific situation. Compare different Green card health insurance options on American Visitor Insurance to find a plan that best suits your needs and budget if you are not able to get insurance through an employer on through Medicare. Talk to licensed insurance agents on American Visitor Insurance to get guidance based on your specific situation as a Green Card holder.

Best Green card holders health insurance plans

INF Green Card health insurance for new US immigrants

INF Premier Fixed Benefit Plan

Plan details Brochures Buy Online
  • INF insurance Eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
    • Minimum Enrolment should be 90 days to buy INF Premier Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Premier Plan insurance Key Highlights
    • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays
    • Minimum purchase of 90 days is required with this plan
    • Plan covers pregnancy and childbirth if the plan is purchased before conception, before the trip begins
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Acute Onset treated like New Sickness
    • Urgent Care & Doctor Visit arranged by MeMD
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes Dental & Vision Discount Coverage
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Covers age up to 99 Years.Pre-Existing Complications from COVID-19 Covered
    • In-Patient, Out-Patient, Specialist Care Covered for Pre-Existing.
  • Pre-existing condition coverage by INF Premier
    • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000.
    • Policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000
    • Policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000
    • Policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k
    • Policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
  • Premium Plan Cancelation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
Plan details Brochures Buy Online
Plan details Brochures Buy Online
  • INF Elite Insurance Eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite Plan insurance Key Highlights
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Pre-Existing Complications from COVID-19 Covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Covers All new medical conditions
    • Stable Pre-Existing Conditions are Covered as New Sickness
    • United Healthcare PPO providers Direct Billing
    • Covers 80% of Eligible Medical Expenses
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes Dental & Vision Discount Coverage
    • Acute Onset is Considered New Sickness
    • Urgent Care & Doctor Visit arranged by MeMD
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite
    • Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite coinsurance?
    • In-Network: The plan covers 80% of the Preferred Allowance
    • Out-of-Network: 60% of Usual, Reasonable & Customary (URC) Charges
  • INF Elite Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
      • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
      • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
Plan details Brochures Buy Online

INF Standard Fixed Benefit Plan

Plan details Brochures Buy Online
  • INF Standard Plan Insurance Eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Standard Plan Insurance Key Highlights
    • This is a fixed plan and is not available to US residents and is only available to non-US residents
    • This plan has a minimum purchase requirement of 30 days
    • Pregnancy and childbirth coverage is available if the conception occurs after the policy effective date
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Open for New Enrollments!
    • Covers All new medical conditions including Virus Related Sickness
    • Covers all ages 0-99
    • Fixed-Benefit Plan for Parents visiting the USA
    • Dental & Vision Discount Card Included.
    • Doesn’t cover pre-existing condition
  • INF Standard Plan Cancelation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
Plan details Brochures Buy Online

INF Safe Traveler USA Comprehensive Plan

Plan details Brochures Buy Online
  • INF Safe Traveler USA insurance eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 30 days to buy this Plan.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
  • INF Safe Traveller USA Insurance - Key Highlights
    • This is a comprehensive plan too but does not cover pre existing condition
    • Minimum purchase of 30 days is required for this plan
    • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Non-Insurance Dental, Vision, Hearing & Prescription Discount Card Included for INF members
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Non-Insurance Telemedicine services provided by MeMD
    • Open for New Enrollments!
    • Sickness & Accident Plan with 80% in network coinsurance.
    • Doesn’t cover pre-existing condition
  • INF Traveler USA coinsurance
    • In-Network: The plan covers 80% of the Preferred Allowance
    • Out-of-Network: 60% of Usual, Reasonable & Customary (URC) Charges
  • INF Traveler USA Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
Plan details Brochures Buy Online

Safe Traveler USA 90 Comprehensive Plan

Plan details Brochures Buy Online
  • INF Safe Traveler USA 90 insurance eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 30 days to buy this Plan.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
  • INF Safe Traveler USA 90 Insurance - Key Highlights
    • Covers 90% of elgibile medical expenses
    • This is a comprehensive plan too but does not cover pre existing condition
    • Minimum purchase of 30 days is required for this plan
    • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Non-Insurance Dental, Vision, Hearing & Prescription Discount Card Included for INF members
    • United Healthcare PPO providers Direct Billing
    • This plan is not available to US residents and is only available to non-US residents
    • Non-Insurance Telemedicine services provided by MeMD
    • Sickness & Accident Plan with 90% in network coinsurance.
    • Doesn’t cover pre-existing condition
  • INF Safe Traveler USA 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
  • INF Safe Traveler USA 90 Cancellation

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
    • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
Plan details Brochures Buy Online

INF Elite 90 Comprehensive Plan

Plan details Brochures Buy Online
  • INF Elite 90 Insurance Eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite 90 Insurance for Visitors - Key Highlights
    • Covers 90% of eligible medical expenses
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Pre-existing complications from covid-19 covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Covers all new medical conditions
    • Stable pre-existing conditions are covered as new sickness
    • United healthcare PPO providers direct billing
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes dental & vision discount coverage
    • Acute onset is considered new sickness
    • Urgent care & doctor visit arranged by MeMD
    • COVID-19 medically necessary testing & treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite 90
    • Elite 90 plan covers pre-existing condition coverage up to $25k, $30k, $40k, or $50k subject to deductibles of $1,500, $2k, $2,500, $5k, or $10k for age 0 to 69 years .
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
Plan details Brochures Buy Online

INF Elite Plus Comprehensive Plan

Plan details Brochures Buy Online
  • INF Elite Plus Insurance Eligibility
    • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Plus Plan.
    • US immigrants can buy INF plans as long as they have a residence outside the US.
    • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
    • The member also needs to submit their I-94 form.
  • INF Elite Plus Insurance, INF Elite Plus Insurance for Visitors - Key Highlights
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
    • Coverage for TDAP, Flu, etc Vaccines
    • Pre-Existing complications from Covid-19 covered
    • There is a minimum purchase of 90 days required to buy this plan
    • This plan is not available to US residents and is only available to non-US residents
    • Stable pre-Existing conditions are covered as new sickness
    • United Healthcare PPO providers direct billing
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    • Includes dental discount plan
    • Acute onset is considered new sickness
    • Urgent care & doctor visit arranged by MeMD
    • 90% of eligible medical expenses
    • Covid-19 medically necessary testing & treatment covered as any other new sickness.
  • Pre-existing condition coverage by INF Elite Plus
    • Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite Plus coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
Plan details Brochures Buy Online
  • Safe Travels USA insurance Eligibility
    • For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
    • Available for green card holders
    • Travelers up to the age of 89 years
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    • Up to $1,000 for an unexpected recurrence of pre-existing conditions
  • Safe Travels USA optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Accidental Death and Dismemberment Upgrade
    • What is Safe Travels USA travel insurance Chaperone Replacement Rider?
    • What is Enhanced AD & D Rider offered by Safe Travels USA travel health insurance?
    • What is Evacuation Plus Rider by Safe Travels USA medical insurance?
  • Safe Travels USA Cost Saver insurance Eligibility
    • For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
    • This plan is available for green card holders.
    • Travelers up to the age of 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
    • Coverage for minimum 5 days to maximum up to 364 days.
  • Safe Travels USA Cost Saver insurance coverage for pre-existing condition
    • The first $1,000 of Covered Expenses
  • Safe Travels USA Cost Saver insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Accidental Death and Dismemberment Upgrade
    • What is Safe Travels USA Cost Saver travel insurance Chaperone Replacement Rider?
    • What is Enhanced AD & D Rider offered by Safe Travels USA Cost Saver travel health insurance?
    • What is Evacuation Plus Rider by Safe Travels USA Cost Saver medical insurance?
  • Coinsurance of Safe Travels USA Cost Saver
    • In Network: Plan pays 100%
    • Out of Network: 80% of the first $5,000 then 100% up to the Policy Maximum
  • Eligibility to Safe Travels USA Comprehensive
    • For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
    • This plan is available for green card holders.
    • Travelers up to the age of 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
    • Coverage for minimum 5 days to maximum up to 364 days.
  • Safe Travels USA Comprehensive insurance coverage for Acute onset of a pre-existing condition
    • Covers Acute onset of Pre-existing condition coverage: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute onset of Pre-existing condition coverage and will not be eligible for additional coverage.Limit of $25,000 Maximum per Policy Period for any condition covered
  • Safe Travels USA Comprehensive coinsurance
    • Co-insurance after the deductible, 100% up to the Policy Maximum
  • Safe Travels USA Comprehensive optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Accidental Death and Dismemberment Upgrade
    • What is Safe Travels USA Comprehensive travel insurance Chaperone Replacement Rider?
    • What is Enhanced AD & D Rider offered by Safe Travels USA Comprehensive travel health insurance?
    • What is Evacuation Plus Rider by Safe Travels USA Comprehensive medical insurance?
  • Safe Travels Elite Insurance Eligibility
    • Safe Travels Elite plan is available for Non US citizens coming to the US and worldwide.
    • This plan is available for green card holders.
    • Travelers up to the age of 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
    • Coverage for minimum 5 days to maximum up to 364 days.
  • Acute Onset of Pre-Existing Conditions
    • Safe Travels Elite Economy, Basic, Silver, Gold, Platinum - Up to Policy Maximum, Coverage related to Cardiac Conditions or Stroke are limited to $25,000
    • Safe Travels Elite Diamond, Diamond Plus - For ages 70-79, up to $25,000. For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000
    • Renewable for 24 consecutive months

Patriot America Lite Comprehensive Plan

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  • Eligibility to buy Patriot America Lite insurance
    • People travelling outside their home country whose destination includes the US and its territories.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past six months and they must have a current health plan in force.
    • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
    • This plan can be renewed for up to 2 years.
  • Patriot America Lite Visitor insurance renewal
    • Patriot America Lite visitor insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Coinsurance of IMG Patriot America Lite Insurance
    • For treatment received outside the U.S: No coinsurance
    • For treatment received within the U.S:
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Lite Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**
Plan details Brochures Buy Online

Patriot America Plus Comprehensive Plan

Plan details Brochures Buy Online
  • Patriot America Plus insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Coinsurance of IMG Patriot America Plus Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
  • Patriot America Lite Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**
Plan details Brochures Buy Online
  • Patriot Platinum insurance Eligibility
    • Patriot International Platinum offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
    • Patriot Platinum offers coverage for Non US citizens travelling outside their home country.
    • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased. US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance.
  • Patriot Platinum insurance renewability
    • Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • IMG Patriot Platinum Coinsurance
    • For treatment received outside the U.S. & Canada: No coinsurance.
    • For treatment received within the U.S. & Canada:
    • In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot Platinum Acute Onset of Pre-Existing Condition
    • Up to the maximum limit.(Insured person must be under 70 years of age)
    • United States citizens:
    • Age 64 and under without a primary health plan: Maximum limit: $20,000
    • Age 64 and under with a primary health plan: Maximum limit: $1,000,000
    • Age 65 through age 69: Maximum limit: $2,500
    • Non-United States citizens:
    • Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)
    • $25,000 maximum limit for emergency medical evacuation
  • Patriot Platinum Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**
  • Diplomat America insurance Eligibility
    • Non US citizens and Non-US residents while visiting the United States
    • Coverage is NOT available for Australian Citizens.
    • This plan does not offer coverage for any travel outside the United States.
    Note: This plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.
  • Diplomat America insurance Coinsurance
    • The plan pays 80% up to $5,000 of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident
  • Diplomat America insurance Renewability
    • "The plan is not renewable”, if additional coverage time is needed, a new application must be completed.
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Buy US green card health insurance online

Steps to buy US green card health insurance online

 Step 1: Finding the available US green card health insurance

Complete the US health insurance quote request form by providing details of green holders and their requirements.

 Step 2: Compare the different green card medical insurance options

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

 Step 3: Buy the travel insurance that you like best

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

 Step 4: Review the green card holder insurance documents received by email

Review the US green card medical insurance policy documents received by email closely for coverage details and relevant contact numbers.

Factors that determine the cost of US health insurance for green card holders

Age of the Green card holder

The cost of US health insurance is directly proportional to the age of the green card holder. The older the green card holder and greater will be the cost of the US health insurance.

Types of US Green card holder travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance for US Green card holder depends on the coverage region. The cost for health insurance for the United States is most expensive.

Duration of US visa insurance for Green card holder

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

38 VISA-FREE countries for US Green Card holders

US permanent residents medical insurance, Best green card medical insurance

The Affordable Care Act (ACA) insurance for Green card holders, popularly known as Obamacare makes it mandatory for all US residents including Green card holders to have health insurance. However new Green Card holders are not immediately eligible for Obamacare and other domestic US health insurance or Medicare.

In this interim period till they get domestic health insurance coverage, it is important to buy proper Greencard holders medical insurance, in particular, medical insurance for green card holders over 65. The medical insurance for green card holders in USA listed here are very popular health insurance for permanent residents.

Another group of Green card holders for whom our short term visitor insurance work well are those who live outside the US for long period of time. These US permanent residents can buy either the Global medical plans which provide coverage around the globe or our short term visitor medical insurance plans which can work as temporary health insurance for permanent residents.

Yet another group of interested customers are those who have applied for the US Green card and are waiting for the final approval. Again, since they are not yet eligible for domestic US health insurance, it is very important to have good health insurance while waiting for green card approval. This group of Green card applicants can also buy our US visitor health insurance plans for their health insurance while waiting for green card.

US immigrant insurance mandatory for prospective Green card applicants

The Donald Trump administration had announced that the US immigration authorities will require on proof of good US immigrant health insurance coverage without which potential Green card applicants to the US will be denied visas. While this proclamation has come under legal scrutiny, it is very likely that immigration authorities still insist on good immigrant insurance.

The US government states that new immigrants without proper health insurance in the US are becoming a burden to the US hospitals and US medical system, and finally adding the cost of their healthcare to the US taxpayers.

Once this policy comes into effect, prospective new Green card holders would be asked for proof of immigrant health insurance. The visa to enter the US can be denied if the consular office is not satisfied by the provided proof of US green card health insurance.

Annual multi trip Covid travel insurance coverage

These are certainly uncertain times for international travelers with corporate travel being particularly vulnerable to the pandemic, the Israel-Hamas war, Ukraine war, extreme weather related disruptions, labor shortages in airlines and airports in Europe and the rising Geo-political tension in Asia. Even though international travelers are allowed to the US without any restriction, overseas travel risks still remain.It is hence very important to buy the best annual travel insurance with Covid coverage. At American Visitor Insurance we are committed to getting you the most appropriate international annual travel insurance you need even under these difficult circumstances.

Annual multi-trip travel insurance - Available Plans

Best green card insurance, Green card medical insurance - FAQ's

01. Which are the plans ideal for US green card holders?

Patriot America Plus and Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.

The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID19 illness up to the maximum of the policy.

INF offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance. Green Card holders can buy INF plans as long as they have a residence outside the US.

Trawick International offers two fixed benefit plans namely Safe Travels Elite and Safe Travels Elite Diamond and three comprehensive benefit plans namely Safe Travels USA insurance , Safe Travels USA Comprehensive insurance and Safe Travels USA Cost Saver insurance. These plans are available for green card holders.

02. Can a green card holder intending to reside permanently in the US going forward buy the INF plans? Can they put down an US address?

Yes. INF insurances provides coverage for many green card holders, especially those who are above age 65. INF insurance plans also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Following are the list of US travel insurance plans:

03. Can green card holders buy Patriot America plus insurance?

Patriot America Plus and Patriot Platinum America plans are based on the primary residence country that the member lists on the application. The Green Card holders can buy Patriot America Plus insurance for coverage in the US, as long as their primary residence is outside the US. There is no set amount of time they have to purchase.

However, if they establish a permanent residence in the US, they are not eligible. So if they have a home (purchased or renting) here in the US, they can’t get our coverage. Provided they are eligible, if/when they submit a claim for treatment in the US, we will ask for their proof of residency in another country (renters agreement, bills to that address, etc) Just something showing that they live anywhere else.

04. How long can an INF plan be renewed? This is important since Green card holders are not eligible for Medicare for 5 years after they enter the US?

Green Card holders can enroll in INF plans initially for up to 1 year at a time. They can then renew their policy. There is no "term limit" for INF plans.

05. Can non citizens get Medicare?

To qualify for Medicare, you must have worked in the US for 40 quarters (10 years) or have a Green card for at least 5 years.

06. Can a green card holder already in the USA buy INF plan?

They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.Green Card holders can buy INF plans as long as they have a residence outside the US.

07. Can a new immigrant in the US buy INF plans?

Yes, they can buy INF travel insurance.

08. Does Greencard health insurance cover Covid?

There are some USA Covid travel health insurance plans available US Green card holders that cover Covid as a new illness. They can compare best Covid Green card insurance plans and buy it online.

09. Can a green card holder get medical insurance?

Yes, Green card holders can get the medical insurance that we offer if they have a permanent address outside the US. Green card holders can get medical insurance quotes and buy the insurance on our website. The short term medical insurance will cover unanticipated medical conditions, but will not cover preventive care and regular treatment for pre-existing conditions. Getting a medical insurance quote is easy by providing the age of the Green card holder and the dates that they need the insurance coverage. We display the different medical insurance for Green card holders and you can compare the different plans based on price as well as the coverage benefits. After choosing the best Green card holder insurance for your needs, you can complete the application online and buy it using a credit card. The policy will be emailed immediately after completing the transaction.

10. Do Green card holders need health insurance?

The Affordable Care Act (Obamacare) had made it mandatory for all US residents to have health insurance, however the compulsory insurance requirement has been waived and it is now no longer mandatory to have health insurance. However, given the very high cost of US healthcare, where a regular Doctor’s consultation can take hundreds of Dollars, and Hospitalization overnight can involve thousands, or even tens of thousands of Dollars, it is very risky to be living in the US without any health insurance.

Green card holders can buy the health insurance on American Visitor Insurance if they do not have group health insurance from any employer, or if they are not yet eligible for US Medicare or for other domestic health insurance. The medical insurance for Green card holders that we offer will however not cover preventive care and has limited coverage for pre-existing medical conditions.

11. Do Green card holders qualify for government healthcare programs like Medicaid or Medicare?

Green card holders may be eligible for Medicaid after meeting certain criteria, such as income and residency requirements, set by each state. Medicare eligibility typically requires being a Green card holder for at least five years and meeting other qualifications (age 65 or older, or having certain disabilities). If there are new Green card holders who are not eligible for domestic health insurance or Medicare, they can buy the Visitors Insurance that we offer during this interim period.

12. Can Green card holders get health insurance through their employers?

Green card holders who are employed in the United States are generally eligible to participate in employer-sponsored health insurance plans, similar to U.S. citizens. It's advisable to check with the employer to understand the available options and any eligibility requirements.

13. Is medical insurance mandatory for Green card holders?

There is no specific requirement for Green card holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.

14. Are there any special considerations for recent Green card holders or new immigrants?

New immigrants or recent Green card holders may have a waiting period before becoming eligible for government programs or employer-sponsored health insurance. It is important to explore alternative options during this waiting period, such as short-term health insurance plans like those offered on American Visitor Insurance.

15. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

16. Can I purchase INF travel insurance plans if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

17. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus, Elite 90,Hop Travel Assist and Hop Mindoro Assist plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

18. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90 ,Hop Travel Assist and Hop Mindoro Assist. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

19. What is the INF insurance cost for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

20. What are the different types of INF insurance for visitors to the USA?

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

21. What is the difference between the three INF Elite insurance plans?

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

22. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

23. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

24. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

25. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

26. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

27. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

28. Can you get health insurance while waiting for green card?

If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green card and are eligible for other domestic US health insurance options.

Common Green Card, US permanent resident related questions and answers

How to qualify for Green Card?

Learn how to get a green card

Click here to read more »

Benefits for Green Card Holders

Know the benefits of having a green card status

Click here to read more »
Impact of Obamacare for US Green card holders (US resident aliens)

Green card holders qualify for insurance under the Affordable Care Act (Obama Care program) through the insurance market place.

Click here to read more »

Best Health Insurance for Parents on Green Card

Health insurance for permanent residents

The US Green Card, also known as Permanent Resident Card is one of the most important document for immigrants in America. This document was formerly known as the Alien Registration Card. As a Green card holder, the immigrant is authorized to live and work in America on a permanent basis with a Green Card permit.

The Green Permit is a process of becoming a permanent resident of United States and a proof of lawful permanent resident (LPR). The Green Card Holders will be officially granted rights to utilize immigration benefits in America.

old couple Health Insurance

Green card holders and new immigrants cannot immediately buy domestic US insurance. Older parents who are recent immigrants and Green card holders more than 65 years are also not immediately eligible for Medicare. Medicare benefits are available for US residents on reaching 65 years if they have paid US taxes for 40 quarters.

New senior citizen Green card holders are not eligible for Medicare for at least five years of continuous living in the US. At American Visitor insurance, we have several options of health insurance for seniors with green card and for new immigrants till they are eligible for Medicare or other domestic US health insurance.

However given the very high cost of US healthcare, it is very important for new immigrants to have good medical insurance for green card holders in USA.

New Green card holders cannot buy domestic US healthcare plans, the temporary health insurance that we offer is ideal during this period. We often also have Green card holders who spend a lot of time overseas and want medical insurance for green card holders in USA only for the limited time that they are in the United States. Again in this situation too, our short term health insurance work well as Greencard Holders Medical Insurance.

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Pre-existing conditions health insurance for older Green card holders

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer travel insurance for acute onset of pre-existing conditions with fixed or limited coverage.

If any of the travelers has one of these conditions it's very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with full coverage for pre-existing ailments. INF offers the best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions.

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Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However many visitors insurance and travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

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 ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

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.

03. What does "acute onset of pre-existing conditions" mean?

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.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

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.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

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.

06. Do INF travel insurance plans really cover all pre-existing conditions?

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 Elite Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance 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 Plan & INF Elite Plan, 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.

08. What services are covered under visitors insurance full pre-existing coverage?

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 Elite Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Who is eligible to get Green Card in the US?

You will be eligible to seek Green Card in the US if you fall under one of these categories.

  • Immediate Relatives of U.S. Citizens.
  • Other Family Members.
  • Preferred Employees and Workers.
  • Ethnic Diversity.
  • Special Immigrants.
  • Refugee and Political Asylum.
  • Long-Term Residents.

Popular outbound destination for Green card holders

Travel Health Insurance for Green Card Applicants

Senior citizen travel insurance

Travel medial insurance for a senior citizen green card holders.

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Pre-existing conditions travel insurance

Compare best pre-existing condition coverage for green card holders.

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Annual travel insurance

Annual travel insurance for individuals who take multiple trips within a year.

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Best health insurance for green card holders

Greencard holders insurance resources

Greencard holders insurance resources

International travel medical insurance resources for Greencard holders.

Factors for greencard holders insurance

Factors for greencard holders insurance

Important factors while deciding on the best travel insurance for greencard holders.

Types of greencard holders travel insurance

Types of greencard holders travel insurance

Understanding different types of greencard holders medical insurance plans.

Greencard holders insurance Claims Procedure

Greencard holders insurance Claims Procedure

Greencard holders insurance online claims process for getting medical care in a hospital.

USA visa health insurance, Visitor visa health insurance USA

Green card holders health insurance for US states

Green card holders insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Global Underwriters, Trawick International and INF insurance.


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