Pre-existing Condition Coverage
The need for Visitor health Insurance while visiting the USA
Parents often from India, Pakistan and Bangladesh visit their children and grand children in the USA or Canada. These parents visiting the US from India, Pakistan or Bangladesh need good health insurance coverage as health care costs continue to rise every year. Even though you get sophisticated medical care, there are huge costs involved. Emergencies can occur when least anticipated and leave travelers with huge medical bills. To avoid this, you need US visitors medical insurance
coverage for parents. Care should be taken to understand the available options, as well as the coverage for pre-existing conditions
, given that parents are elderly and likely to have existing ailments.
Which is the best travel insurance for USA ?
At American Visitor Insurance, we pride ourselves on working with reputed, competitive insurance companies who offer excellent prices and service for their (and our) clients. All insurance companies are rated by an outside independent agency and get a "grade" which focuses on the company financial solvency and health. You can compare these ratings (we use AM Best ratings on our website) to compare insurance companies. Another factor to consider is whether to purchase insurance from your own country or one from the US. A benefit of using an US-based company, particularly if you are traveling to the US, is that you can get direct billing with the provider and so, only have to pay your deductible and your portion of the bill instead of the entire amount up front. Foreign companies may make you pay all costs up front and then you will have to submit a claim upon your return to your home country. This can hold up your reimbursement significantly. Also, the US company will pay US dollars to your provider which, generally speaking, is a fairly strong currency. The specific answer for you may be different than for another due to your specific situation and concerns. We provide easy access to comparison of plans by price and benefits to aid you in finding just the right fit for you! If you are overwhelmed by all the information we present, we also have friendly licensed agents which can assist you by phone or email
Is there an age limit on travel insurance?
For some policies, and in some situations, yes, there is an age limit. For example, if you want a global medical policy, you must apply before you are over 65 years old. However, many short term travel health insurance policies are available for people of any age. What changes as you get older, particularly for people over 70, is the maximum available for you. Most policies only offer $50,000 or less maximum coverage to customers 70+. If you are not seeing options on our website, lower the maximum coverage available and you may see more options for you.
Does travel insurance increase at age 65?
Many policies do have a price difference between age 64 and 65, unfortunately. However, for persons under 70 years of age, they still get many great benefits and a wide range of maximum policy coverage limits available to them. Check out some popular visitors medical insurance for senior citizen travelers over 65 years
to explore your options!
Can you get travel insurance if you are over 80?
Absolutely! There are many policies that we offer that are available for persons over 80 years of age. You may have to reduce your maximum limit (we suggest choosing range between $26,000 to $50,000 to see the most options), but you should be able to find a good option for your situation. We offer Best visitors insurance for older travelers over 80 years
from top insurance providers.