Frequently asked questions regarding insurance coverage in Schengen Countries

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The Trump administration announced on October 4th 2019 that new US immigrants must show proof of adequate US immigrant health insurance while applying for Immigrant visa. This rule will come into effect on November 3rd 2019 and the visa can denied if the immigrant fails to show the proof of US immigrant health insurance.

While the details of the proposed immigrant insurance requirements are still to be announced, the Best US immigrant insurance plans that we offer on American Visitor Insurance work as short term health insurance which new US immigrants can use till they are eligible for domestic US insurance plans.

Yes! Any of the policies we offer can be used for a new immigrant. You simply have to use their foreign address as their “home” or “residence” address on the application.

If you do not want to do that, if you only have a US address, then your options are more limited, but you can still find some (in particular Atlas America or Atlas America Premium).
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As of now, there are no specific requirements for the insurance policies that are purchased for new immigrants or visitors to the US.

They are meant to take care of the visitors should they have some unforseen medical issues while they are within the US and all of our plans meet that definition. You should be able to find an appropriate plan for your situation and budget.

All plans can be purchased online and paid for by credit card. A person in the US can buy them for an incoming visitor or immigrant.

If you run into any problems with the purchase links (some browsers and browser settings interfere with proper functioning of the buy pages), just give us a call and we can help you by phone.

Visitor or new immigrant plans are for sudden illness and accident. They are not meant for wellness doctor visits, but they are not only for emergency room visits either. If your visitor is sick and wants to visit a doctor or go to an Urgent Care Center, this sort of visit will also be covered.

Generally, at a hospital, they should be able to call and arrange payment with the insurance company. It may be at a doctor’s office, they will say “we don’t take this insurance” which means that they do not want to make the call for you.

In that case, you will have to pay up front and submit a claim for reimbursement. In most cases, you will have to submit a claim to explain what happened to the insurance company.

Yes. New Immigrants or Green Card holders who can be parents or family members can buy a travel medical insurance either short term or long term during their stay here. These plans can be purchased for the duration until you are eligible for domestic health insurance.

You can also buy this insurance for your children/grand children who have applied for Green Card and waiting for its arrival to fill the gap.

US citizens or legal permanent residents 65 or older qualify for Medicare. If you are a new immigrant and you are 65 or older and have never worked in US you do not qualify for Medicare. However, even if you do not qualify you can purchase it if:

No. You can only include immediate family members (spouse and children up to age 24) on your US health insurance plan.

Green Card holders with a permanent residence outside the US can purchase Patriot America or Patriot America Plus plans which are economical and can be purchased for as few as 5 days and up to 12 months.

However, at this time, they will NOT cover you for COVID-19, so an alternate are plans available (fixed and comprehensive) from INF. However the INF plans must be purchased for at least 30 days (some have a better price if purchased for at least 90 days).

Following are the best green card health insurance: Premier Plan INF Elite X plan
Please see this page to view the available plans by getting Quotes »

For the age range of 70 and above, Patriot Platinum plan which is a comprehensive option can provide a coverage of $2500 for acute onset of pre existing condition. INF insurance offers coverage for pre-existing conditions.

The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite X Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. INF Premier and INF Elite plans should be purchased for minimum 3 months.

Comprehensive plans provide coverage of up to $20,000 for the people in the age range of 80 and above. Inbound Guest Plan L and Inbound Immigrant are the popular Fixed plans that are suitable for this age group.

INF offers covers health insurance for coverage for green card holders. Following are the best green card health insurance:
INF Elite X plan

Find the best US immigrant insurance

Which Is the Cheapest Travel Health Insurance for Green Card Holders in the USA?

The cheapest travel medical insurance for Green Card holders is Safe Travels Elite, starting at $76.

Other affordable visitors health insurance plans include INF Standard X and Safe Travels USA.

Safe Travels Elite
^{Trawick International}

$76 Per month

Age: 60 years | Plan: $50,000 |
Deductible: $0

Policy maximum limits ranges from $25,000 to $175,000.
Deductible option $0.
Coverage from 5 days - 364 days.
Direct billing through First health international.
Covers acute on set of pre-existing conditions up to 89 years.

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INF Standard X
^INF

$77 Per month

Age: 60 years | Plan: $50,000 | Deductible: $250

Policy maximum limits ranges from $50,000 to $150,000.
Deductible options $0 to $5,000.
Coverage from 30 days - 364 days.
Great savings with United Healthcare PPO network
Does not cover pre-existing conditions.

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Safe Travels USA
^{Trawick International}

$147 Per month

Age: 60 years | Plan: $50,000 | Deductible: $250

Policy maximum limits ranges from $50,000 to $1,000,000.
Deductible options $0 to $5,000.
Coverage from 5 days - 364 days.
Direct billing through First health international.
Unexpected Recurrence of a Pre-Existing Condition up to 70 years.

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Which Is the Best Travel Medical Insurance for Green Card Holders in the USA?

The best long term health insurance for Green Card holders is Safe Travels USA Comprehensive. Other top plans include Patriot America Plus and SafeVista Protect.

Patriot America Plus Insurance ^IMG

Best suited for Green Card holders visiting the USA who want strong comprehensive coverage for unexpected medical needs.
Covers acute onset of pre-existing conditions under age 70.
Covers emergency evacuation up to $1,000,000.
Urgent care is available with a copay of up to $25.
Direct billing through the UnitedHealthcare PPO and First Health PPO networks within the U.S.
Offers optional coverage for adventure sports and recreational activities.
Patriot America Plus allows Green Card holders to apply as long as they maintain a foreign residence address. The plan provides comprehensive coverage for medical emergencies, accidents, and illnesses while visiting the U.S.

 Policy Maximum?
$50,000 - $1,000,000

 Deductible?
$0 - $2,500

 Period of Coverage?
5 days to 364 days

 Cost?
$159

Safe Travels USA Comprehensive Insurance ^{Trawick International}

A good option for Green Card holders needing coverage for new illnesses and acute onset of pre-existing conditions.
Covers acute onset of pre-existing conditions up to 89 years.
Covers emergency evacuation up to $1,000,000.
Urgent care is available with a copay of up to $30 per incident.
Direct billing through First Health International PPO network.
Provides cardiac and stroke coverage of up to $25,000 for ages 69 and below, and $15,000 for ages 70 and above.

 Policy Maximum?
$50,000 - $1,000,000

 Deductible?
$0 - $5,000

 Period of Coverage?
5 days to 364 days

 Cost?
$167

SafeVista Protect Insurance ^INF

Best for Green Card holders wanting all-round comprehensive coverage in the USA.
Covers acute onset of pre-existing conditions up to 85 years.
Covers emergency evacuation up to $25,000.
Urgent care is available with a copay of up to $25.
Direct billing through UnitedHealthcare PPO Network.
Includes free worldwide telehealth access through doctor please for remote medical consultations.

 Policy Maximum?
$100,000 - $1,000,000

 Deductible?
$0 - $5,000

 Period of Coverage?
10 days to 364 days

 Cost?
$223

Other affordable options include Diplomat America and Patriot America Platinum.

What Are the Best Visitor Insurance for Green Card Holders Staying Longer in the USA?

The best visitor insurance for Green Card holders staying long-term in the USA is INF Elite Plus X. Additional choices include INF Elite X and INF Premier X.

INF Premier X
^INF

$393 3 months

Age: 60 years | Plan: $100,000 |
Deductible: $250

Policy maximum limits ranges from $100,000 - $1,000,000.
Deductible options $75 - $5,000.
Coverage from 90 days - 364 days.
Direct billing through United Healthcare network.
Covers full pre-existing conditions up to 99 years.

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INF Elite X
^INF

$1,369 3 months

Age: 60 years | Plan: $150,000 |
Deductible: $250

Policy maximum limits ranges from $150,000 - $1,000,000.
Deductible options $100 to $5,000.
Coverage from 90 days - 364 days.
Direct billing through United Healthcare network.
Covers full pre-existing conditions up to 99 years.

Buy Online »

INF Elite Plus X
^INF

$1863 3 months

Age: 60 years | Plan: $150,000 |
Deductible: $500

Policy maximum limits ranges from $150,000 - $250,000.
Deductible options $500 to $5,000.
Coverage from 90 days - 364 days.
Direct billing through First health international.
Covers full pre-existing conditions up to 99 years.

Buy Online »

Plan Name	Max coverage	Deductible	Age 40	Age 50	Age 60	Age 70
Safe Travels Elite	$50,000	$0	$44	$61	$76	$109
Patriot America Lite	$50,000	$250	$72	$120	$153	$252
Patriot America Plus	$50,000	$250	$77	$128	$164	$289
INF Standard X	$50,000	$250	$58	$69	$77	$269
Safe Traveles USA	$50,000	$250	$85	$127	$147	$252
Safe Travels USA Comprehensive	$50,000	$250	$90	$148	$172	$294
INF SafeVista	$100,000	$250	$108	$174	$230	$320
Diplomat America	$50,000	$250	$143	$207	$261	$403

Plan Name

Max coverage

Deductible

Age 40

Age 50

Age 60

Age 70

Safe Travels Elite

$50,000

$44

$61

$76