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What does US Immigrant travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

INF Green Card health insurance for new US immigrants

INF Premier

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  • INF insurance Eligibility
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
    • 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 and
    • Policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 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).

INF Elite

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  • INF Elite Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • 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 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 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).

INF Standard

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  • INF Standard Plan Insurance Eligibility
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this 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 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).

INF Traveler USA

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  • INF Traveler USA insurance eligibility
    • This plan is available for Non-US Citizens
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Network 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 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).

Traveler USA 90

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  • INF Traveler USA 90 insurance eligibility
    • This plan is available for Non-US Citizens
    • Anyone visiting USA or Canada can enroll in this plan.
    • Minimum Enrolment should be 90 days to buy INF Elite Network 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 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 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 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).

INF Elite 90

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  • INF Elite 90 Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • 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 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 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges

INF Elite Plus

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  • INF Elite Plus Insurance Eligibility
    • This plan is available for Non-US Citizens.
    • 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

Best INF green card insurance - Frequently Asked Questions

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:

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.

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.

01. Is there travel medical insurance for seniors over 70 from USA?

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

02. What’s the most important insurance coverage for senior travelers?

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

03. Can I find cheap travel insurance for seniors over 70?

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

04. How can I compare different travel medical insurance for seniors over 70?

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

  • The maximum medical coverage available for the age of the traveler
  • The cost of insurance and deductible and co-insurance expenses
  • The Preferred provider organisation (PPO) network of the insurance provider and user reviews
  • The coverage for pre-existing conditions and any exclusions and limitations of the policy
  • The customer assistance and emergency helpline of the insurer

05. How important is the visitors insurance for parents over 70?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

  • Medical expenses due to illness or injury
  • Trip cancellation or interruption due to unforeseen reasons
  • Loss or delay of baggage or personal belongings
  • Passport or travel document theft or loss
  • Emergency evacuation or repatriation
  • Legal liability or personal accident
  • Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

06. How much is travel insurance for 70 year old cost?

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

  • The age and health of the traveler (older the traveler, higher the cost)
  • The destination and duration of your trip (cost in US is most expensive)
  • The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)

What is HOP – Travel Assist?

Hop! Travel Assist is an innovative approach to solving for travelers needs while they are visiting a new country. Hop! provide medical assistance for travelers, ensuring peace of mind while on the road. Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more!

One of the unique features of Hop! Travel Assist is the guaranteed cashless claims process. This means that if a member uses Hop! assistance services, they don't have to worry about paying out of pocket for medical expenses. Instead, Hop! takes care of everything for them, making it incredibly easy and stress-free to use the program.

Note: Hop! requires members to contact Hop Assist within certain times to access benefits. Non-Life-Threatening Medical Assistance requires notification within 7 days of first symptom. Life-threatening Medical Assistance need to be reported within 48 hours of first symptom. Travel Assistance requires notification within 24 hours of the incident.

Does INF insurance cover medical tourism?

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment.

If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied. INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.

Hop! Travel Assist will cover pre-existing conditions?

Yes. Hop! plans offers medical Assistance for Pre-Existing Conditions.

What are the advantages of buying Hop! Travel Assist?

Hop! Travel Assist is a travel assistance membership program for international trips, offering 100% payment with no deductible. Hop plans offers Travel, Medical and Security Assistance for travelers visiting worldwide outside their home country. Hop! Travel Assist is the guaranteed cashless claims process. Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more

Do the INF Hop! Travel Assist cover trip cancellations or interruptions?

Yes. Hop! Travel Assist offers coverage for trip cancellations or interruptions for travelers visiting worldwide outside their home country.

What are the benefits of Hop! Trip Assist Plus and Hop! WorldHopper plans?

Hop! Trip Assist Plus and Hop! WorldHopper offers various benefits for travelers, such as:

  • COVID-19 coverage: Hop! covers COVID-19 related expenses up to the medical assistance level of the plan.
  • Pre-existing conditions coverage: Hop! covers pre-existing conditions up to the pre-existing assistance level of the plan, as long as they are stable and controlled before the trip.
  • Cruise coverage: Hop! covers cruise passengers up to the medical assistance level of the plan, without any additional fees or exclusions.
  • Trip cancellation coverage: Hop! covers trip cancellation expenses up to $500 per person or $1,000 per family. Hop! covers trip cancellation expenses up to $2,000 per family,
  • Other benefits: Hop! also covers emergency dental treatment, emergency cash advance, lost or stolen passport assistance, lost luggage assistance, and more

What are the different types of INF Hop! Travel Assist for visitors to the USA?

There are 6 types of plans in Hop! Travel Assist. We have 5 comprehensive plans Hop Classico, Hop Ultra, Hop Ultra Plus, Hop VIP and Hop VIP plus. There is also one fixed plan HOP TripAssist Plus travel Assist. There is a minimum purchase of 30 days required to buy these INF HOP plans.

How do I find the best travel insurance for pre-existing conditions?

Travel Insurance tips for 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 are the INF pre-existing conditions travel insurance options?

There are several US travel insurance plans available for international travel, however most of these 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.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

What are the important factors for pre existing conditions visitors health insurance?

The following are the important 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 pre-existing conditions travel health insurance 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.

How does pre-existing conditions travel insurance work?

Pre-existing conditions travel insurance plans are designed to provide coverage for conditions that existed or still exist which started before the insurance plan became effective. Normally , travel insurance provides coverage for unexpected medical emergencies, trip cancellation, baggage delay and loss and medical emergencies and hospitalization. The plans that cover pre-existing conditions can vary from one provider to the other.They also have limitations for age factor and do not provide coverage for most people above 70.It is important to review the policy carefully to see if it covers the things that you want to get coverage.

Pre existing condition is defined as the medical condition that has been diagnosed with or received treatment for certain period of time before the policy became effective.

Coverage exclusions: The pre -existing condition travel insurance may restrict the coverage for some specific conditions,and will have limitations around the age of the individual, or have waiting periods to start coverage.

Medical emergency coverage: If the traveler experiences medical emergency related to the pre-existing condition, during the trip, then the insurance will cover the eligible medical expenses.

Trip cancellation or Interruption: Some plans will provide coverage for trip cancellation related to the pre existing condition in case you need to cancel the trip for the medical issue.

Claims: For a covered claim, you need to file a claim with the insurance provider

Reviewing the policy: Before purchasing the plan, carefully review the policies terms and condition to understand the coverage, limitations and requirements for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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 Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

7. 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, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

8. 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 Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

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