Travel Insurance Nigeria to USA
The Nigerian community in the U.S. is a vibrant and growing diaspora that plays a significant role in the cultural and economic landscape of the country. Concentrated in major cities such as Houston, Atlanta, New York City, and Washington, D.C., this community is known for its strong emphasis on education and professional advancement. Nigerian immigrants to the USA represent one of the fastest-growing immigrant groups, drawn by opportunities for education, employment, and a better quality of life. Many arrive on student visas, pursuing higher education at prestigious universities, while others come for work in fields like healthcare, technology, and business.
The USA boasts iconic cities such as New York City, Los Angeles, Chicago, and San Francisco, each with its unique character and attractions. These cities offer a blend of history, art, entertainment, and shopping. The USA is known for its diversity, both in terms of people and landscapes. You'll encounter people of different backgrounds, languages, and religions, contributing to a rich cultural tapestry. Before traveling to the USA, be sure to research the specific US state or city you plan to visit, understand any travel requirements, and check for any travel advisories or COVID-19 related guidelines. Your trip to the USA promises diverse experiences and memorable adventures, so embrace the journey with an open mind and a sense of curiosity.
Visitor medical insurance while visiting USA
Visitor medical insurance is a short-term health insurance that provides medical coverage for illness and injury during travel or stay in the USA. It is a mandated type of coverage for foreign nationals who come to the USA temporarily, for any reason, business or personal. It can offer protection from accidental injury or sickness that can arise during the stay in the host country.
It can also provide financial protection in the event of an unexpected medical emergency while visiting the USA. The cost of visitor medical insurance varies depending on criteria such as the insured’s age and health needs, as well as the length of the trip to the USA. The typical cost of visitor medical insurance is between $200 and $400. It is easy to find the best visitor medical insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
Importance of holiday insurance USA
Expensive US Healthcare: The United States has perhaps the best healthcare facilities in the world, but it is also perhaps the most expensive globally. The cost of an average daily hospital stay is over $2500 in the US. Even outpatient doctor visits are prohibitively expensive. It is financially very traumatic when a visitor travelling for a short visit to the US has to pay a huge bill in case of an unforeseen injury or illness.
Therefore it’s important to buy the best US travel health insurance, so that any sudden injury or illness expenses are covered by the visitors medical insurance. US travel insurance along insuring medical expenses of travelers will also reduce the medical expenses, as US travel insurance providers through their preferred provider organizations (PPO) network have a working relationship with hospitals which result in lower healthcare bills.
Protection for entire family: US travel medical insurance can be either purchased individually, or for an entire family if traveling together. Any illness or injury faced by the insured family members will be covered during the trip.
A support system for travelers in a new country: Traveling to a new destination like the US can be very stressful as the healthcare system will be different from your home country. If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor. Having US travel health insurance will act as a support system as the insurance providers have tie-ups with various Preferred Provider Organizations (PPO) who have networks with many hospitals and doctors in the US.
Ease of navigating US healthcare facilities: The hospitals in the PPO network of the US travel insurance will bill the insurance company directly so that travelers need not worry about paperwork and about paying the bill up front. In case of any emergency visitors can refer to the list of hospitals with the PPO network and get help from the nearest medical care center. Travel insurance for USA will help you make the most of the trip and explore new destinations without the worry of your health related expenses.
Travel insurance for USA from Nigeria cost
The cost of best travel insurance for USA from Nigeria depends on the age of the traveler, medical maximum coverage and deductible for the plan, type of US health insurance for Nigeria (Fixed vs comprehensive travel insurance) and the cost of travel insurance for pre-existing conditions for the average traveler, there are cheap travel insurance plans at less than a dollar a day. The cost of Nigeria to USA travel insurance for visitors can start from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage. Compare and buy the best US visitor health insurance from Nigeria on American Visitor Insurance.
The cost for best travel insurance for USA visitors has reduced disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
While there's no simple explanation for the high costs, an important contributing factor is the high administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
Given the fact of high health care cost, one simply cannot afford to be uninsured while visiting the US. Another important point to note is that in US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. For all these reasons, it is vital for visitors to buy travel health insurance while visiting the US.
The visitor health insurance cost or the cost for the best travel insurance for USA visitors ranges from $16 to $150 a month. The price varies based on the age of the visitor, medical maximum coverage, deductible for the plan, visitors coverage type (Fixed vs comprehensive coverage), and the visitors insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
What is the best travel insurance cost for USA visitors 2024?
Travel insurance cost calculator for travelers to USA-
A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
Insurance Plans Plan Maximum Deductible Provider Network Cost * Patriot America Lite IMG $50K - $1M $0 - $2K United HealthCare $96 - $177 Safe Travels USA Comprehensive Trawick International $50K - $1M $0 - $5K First Health Network $96 - $176 Atlas America WorldTrips $50K - $2M $0 - $5K United HealthCare $116 - $235 Diplomat America Global Underwriters $50K - $1M $0 - $5K No PPO $155 - $266 INF Safe Traveler USA INF $150K - $300K $50 - $5K United HealthCare $186 - $206 * The American travel insurance cost per month for a 40-year-old.
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A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.
Insurance Plans Plan Maximum Deductible Provider Network Cost * Safe Travels Advantage Trawick International $25,000 $0 First Healthcare $20 Safe Travels Elite Trawick International $25K - $175K $0 First Health Network $24 - $68 Visitors Care IMG $25K - $100K $0 - $100 United HealthCare $25 - $54 VisitorSecure WorldTrips $50K - $130K $0 - $100 United HealthCare $44 - $80 * The American travel insurance cost per month for a 40-year-old.
Travel health insurance for foreigners in USA
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Best travel medical insurance
Compare and buy the best visitor health insurance plans. The best visitors insurance for USA plans that we display are specially designed to match the needs of international travelers.
Best health insurance for visitors to USA - Comprehensive plans
- Available for US citizens visiting USA
- Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
- Plan is suitable for Green Card holders as long as they reside outside the US.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- This plan is available for Non-US citizens traveling outside their home country
- Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
- This plan is for Non Us citizens and Non US residents visiting the US.
- This plan have 24 months waiting period for pre-existing conditions.
- Covers acute onset of pre-existing conditions up to policy maximum age up to 89 years.
- This plan is available 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.
- For ages 14 days to 89 years.
- Coverage for minimum 5 days to maximum up to 364 days.
- Covers treatment of acute onset of pre-existing conditions (up to 79 years)
- For the acute onset of pre-existing condition coverage with Cardiac Condition and/or Stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.Other than Cardiac Condition and/or Stroke it covers for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Best comprehensive plan that covers all pre-existing conditions up to 99 years.
- There is a minimum purchase of 90 days required to buy this plan
Best travel insurance for USA – Fixed benefit plans
- Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
- Offers coverage for acute onset of pre-existing conditions up to 79 years.
- Renewable up to 364 days
- This plan is available for for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- Minimum Enrolment should be 30 days.
- It offers coverage for acute onset of pre-existing conditions up to 89 years.
- Available for Non US citizens coming to the US and worldwide.
- This plan is available for green card holders.
- Acute Onset treated like New Sickness
- This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
- This plan covers Full pre-existing conditions up to 99 years.
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Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage
A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers and very important is to select pre-existing condition for medical insurance. It is recommended to to find good visitor insurance with Pre-existing conditions coverage, which is particularly important for older travelers and parents.
Best travel insurance with pre-existing condition coverage - Comprehensive plans
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
- Patriot America Plus Covid insurance offers coverage for coronavirus illness.
- Available for US citizens visiting USA
- Plan is suitable for Green Card holders as long as they reside outside the US.
- This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
- This plan is available to both Non-US citizens and US citizens traveling outside their home country.
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 89 years).
- Available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
- Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
- 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.
- Covers unexpected recurrence of a pre-existing medical conditions up to $1000
- 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
- The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
- Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25K up to 65 years; $5K for 65 to 79 years.
- This plan offers full pre existing condition coverage.
- Elite plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $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.
- The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
- Acute onset of pre-existing condition coverage for Worldwide including US with Cardiac Condition and/or Stroke - $50K up to 69 years; $5K for 70 to 79 years.Other than Cardiac Condition and/or Stroke - $75K up to 64 years; $7.5K for 65 to 79 years.
- For Worldwide excluding US - $50K up to 64 years; $10K for 65 to 79 years.
Best travel insurance for USA – Fixed benefit plans
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
- It is an affordable plan for visitors visiting the US.
- 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.
- Covers full pre-existing conditions up to 99 years.
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- Safe Travels Elite Covid insurance covers coronavirus illness.
- Plan can be renewed up to 364 days.
- Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
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Senior Citizen travel insurance for above 60 years
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.WorldTrips gives the best plans with extremely good coverage.- The best travel health insurance for 60 year old travelling to the US is Atlas America.
- With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 70.
- Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
- You can compare Atlas Travel insurance plans.
- This plan provides coverage up to $250,000 for 70 to 79 year old travelers.
Seven Corners gives the best plans with extremely good coverage- Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
- The Travel Medical USA plans (Travel Medical USA Visitor Basic, Travel Medical USA Visitor Choice) cover acute onset of pre-existing conditions for people up to age 79.
- Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
- The age availability is 14 days to 80+years.
- Covers acute onset of pre existing conditions up to the age of 79.
International Medical Group gives the best plans with extremely good coverage.- Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America Lite with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
- US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
- Visitors Protect Plan offer maximum limits from $50,000 to $250,000.
- The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
- Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
- Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
INF Travel gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. There are fixed benefit and comprehensive health insurance for non us citizens over 65 years options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.- This is a comprehensive plan and is the plan with excellent coverage.
- This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
- 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
- This plan need to be purchased for a minimum of 3 months.
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Older traveler medical insurance for above 70 years
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.- Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
- For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
- Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
- There is also a higher policy maximum option available for people above 70 up to the age of 79.
- Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
- There is also a higher policy maximum option available for people above 70 up to the age of 79.
- The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
- Travelers must be at least 14 days old and under 99 years to be covered by this plan.
- Offers coverage from 90 days to 12 months.
- This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
- The age availability is 14 days to 80+years.
- Covers acute onset of pre existing conditions up to the age of 79.
- Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
- This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
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Senior Citizen travel insurance for above 80 years
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- 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.
- 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.
- The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
- Travel medical insurance plan covers Covid-19 as any other illness.
- Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
- It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
- This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
- This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
- This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
- Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- It is available for travelers of ages 14 days to 99 years
- Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
- Travel Medical USA Visitor Choice is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
- Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.
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Senior Citizen travel insurance for above 90 years
Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.- INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
- This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
- Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
- It is available for travelers of ages 14 days to 99 years
- 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.
- 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.
USA travel insurance coverage highlights
What does Travel Medical Insurance cover?
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitors medical insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments
Here are some key points to consider why robust travel health insurance plan is needed for your visit to the US:
- High Healthcare Costs: In US hospitals, insured patients, especially those within the PPO network, incur significantly lower costs for treatments compared to uninsured patients.
- Importance of Insurance: Having visitors’ health insurance in the USA or USA Travel Insurance for visitors or health insurance for visitors in USA can greatly reduce medical expenses.
- Coverage Options: Travelers can choose plans with coverage up to $1,000,000, though the maximum coverage decreases for those over 70 years old.
This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance while visiting the US. The best health insurance for tourists in USA varies based on the best USA travel insurance for visitors plan chosen, however travelers can opt for coverage up to $1,000,000.
Doctors visit
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the chosen health insurance for USA travel, travelers do have the option of No Co-pay and $0 deductible.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.
Visitors medical insurance coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the us holiday insurance for visitors coverage. Conditions that are considered as pre- existing diseases include ailments like Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is difficult to find health insurance for tourists in USA that covers pre-existing conditions.Only some tourist health insurance cover pre-existing conditions with INF being one company that offers greater coverage for pre-existing ailments. INF visitor insurance in USA with pre-existing conditions coverage insures in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. This includes pre-existing conditions ranging from blood pressure, diabetes, kidney complications to arthritis and are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions before actually buying the travelers insurance.
Surgery
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
Medical Evacuation
Provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the tourist health insurance chosen, one can get repatriation coverage up to $50,000.
Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
USA - General Information
Capital
Washington, D.C.
Language
English
Currency
US Dollar
Population
Around 340 million
Best time to visit
During Spring or Autumn
Location
North America
Vacation spots
New York, San Francisco, Los Angeles, Las Vegas, New Orleans, Chicago, Orlando, Washington D.C.
Popular travel destinations in the USA
US Territories
Famous destinations in USA
1. Famous Museums as travel destinations in USA
2. Popular National Park destinations in USA
3. Top Nature destinations in USA
4. Top Snowbird tourism destinations in USA
5. Popular Golfing vacation destinations in USA
6. Best Amusement Parks in the USA
7. List of Casinos in USA
8. Best Shopping Malls in USA
9. Top Ski resorts in USA
Popular US States visited by tourists and travelers
Popular US cities visited by tourists and travelers
Travel insurance for acute onset of pre-existing conditions
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.
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.
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
International travel insurance from Nigeria to USA - FAQ's
1. Why do I need travel insurance when visiting the USA?
Travel insurance is important when visiting the USA to provide coverage for unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, and travel delays. Medical expenses in the USA can be very high, and having travel insurance helps protect you financially.
2. What is the best insurance for travel to USA?
There are many US Travel insurance plans available for visitors in the online health insurance marketplace. They are mainly classified broadly as Fixed plans and Comprehensive plans. The best US tourist health insurance varies based on the unique needs of diverse travelers with several plans working well in different situations. Amongst the popular travel insurance in USA for visitors are Patriot America by IMG, Atlas Travel from World Trips, Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 ,Hop Travel Assist , Hop Mindoro Assist,Hop WorldHopper ,Hop Trip Assist Plus. 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.
3. What does travel insurance for the USA typically cover?
Cheapest travel insurance from Nigeria to USA typically includes coverage for emergency medical expenses, trip cancellation or interruption, baggage loss or delay, travel delays, and emergency medical evacuation. The specific coverage and limits may vary depending on the insurance provider and the policy you choose.
4. Is travel insurance mandatory for Nigerian citizens traveling to the USA?
Travel insurance is not mandatory for Nigerian citizens traveling to the USA. However, it is highly recommended to have travel insurance to ensure financial protection and peace of mind during your trip.
5. How can i buy USA travel insurance online?
American Visitor Insurance offers a wide range of travel medical insurance plans for visitors to the USA designed by the top US travel insurance providers. Customers can compare different travel insurance plans offered by US insurance company on American Visitor Insurance. After comparing different plans, you can choose the one that best meets your needs and budget and buy the policy online by filling out an application and paying for the travel insurance USA using a credit card.
6. Can I use my regular health insurance in the USA?
It is important to check with your regular health insurance provider to understand if your policy covers medical expenses in the USA. Some health insurance plans may offer limited or no coverage for international travel. Even if your regular health insurance covers international travel, it may not provide coverage for trip cancellation, baggage loss, or other travel-related risks, which is where travel insurance can be beneficial.
7. Can I purchase travel insurance after I arrive in the USA?
It is generally recommended to purchase travel insurance before you start your trip. Most travel insurance policies require you to purchase coverage before you depart from your home country. It may be challenging to obtain coverage after you have already arrived in the USA.
8. Do Nigerians need a visa to travel to the USA?
Yes, Nigerian citizens typically need a visa to enter the United States for tourism, business, education, or other purposes. The specific visa type depends on the purpose of the visit.
9. Do I need to declare pre-existing medical conditions when purchasing travel insurance?
Yes, it is important to declare any pre-existing medical conditions when purchasing travel insurance. Some policies may offer coverage for pre-existing conditions, while others may have exclusions. Providing accurate and complete information about your health history ensures that you have appropriate coverage and helps avoid claim issues later on.
10. How do I make a claim with my travel insurance provider?
In the event of an incident covered by your travel insurance, you will need to contact your insurance provider as soon as possible. They will guide you through the claims process, which typically involves filling out a claim form, providing supporting documentation, and submitting the claim for review. It's important to keep all relevant receipts, medical records, and other documentation related to the incident.
11. What is the validity period of a U.S. visa for Nigerians?
The validity period of a U.S. visa can vary depending on the type of visa and the discretion of the U.S. consular officer. It can range from a few months to several years.
12. Is there a time difference between Nigeria and the USA?
Yes, there is a time difference. The USA spans multiple time zones, so the time difference can vary depending on your specific destination.
13. What are some popular tourist destinations in the USA for Nigerians?
Popular destinations include New York City, Los Angeles, Las Vegas, Orlando, Miami, San Francisco, and national parks like the Grand Canyon and Yellowstone.
USA visa health insurance, Visitor visa health insurance USA
Embassy of United States in Nigeria
Embassy of the United States of America, Abuja
location_on Plot 1075 Diplomatic Drive, Central District Area, Abuja, Nigeria
phone Phone Number
+234 (9) 461-4000
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