Find the best insurance plan for your needs.
The coronavirus (Covid-19) pandemic has stranded many travelers in the US for lack of travel options. The international travel restrictions has forced many foreign travelers to cancel their return journey who are on temporary or short term US visas. These travelers will now have to extend or renew their visa status in order to stay for longer durations in the US.
While you have visited the U.S.A, an unexpected pandemic of COVID-19 has made you stranded in another country. Which is why having a best travel health insurance is very important outside the home country. Staying in America as an uninsured visitor is highly risky. Our insurance covers act as boon in an event of sudden sickness due to COVID-19 or accidental injuries and require a hospitalization which can leave you with huge medical bills having an impact on your financial situation. You can compare travel health insurance plans for Coronavirus to avoid all such disastrous situations.
Steps and procedure to extend US visa for further stay in USA.
The US government has made it compulsory for all new immigrant visa applicants to show proof of adequate health insurance in the United States.This new rule will directly impact new immigrants visa applications to the US of family members of current US citizens.
The aim of this mandatory immigrant health insurance is to reduce the burden on the US hospitals, US health care system and ultimately on US tax payers by uninsured new US immigrants.
While this proclamation is aimed at those applying for immigrant visas, we hear that travelers even on tourist visas are expected to have proper short term visitor insurance.
The US short term health insurance plans offered here work ideally for prospective visitors to the US as well as for new US immigrants. After purchasing these immigrant insurance plans, customers will receive the immigrant insurance document by email.
Customers can show this immigrant insurance document as proof of US health insurance while applying for the tourist visa or Immigrant visa. Given the high cost of US healthcare, it is in any event important for all tourists and new immigrants to buy adequate US health insurance.
The best visitors insurance for parents visiting USA will vary depending on the unique needs of the traveler. However given the profile of Indian parents being elderly, and traveling outside of India to unfamiliar weather and food, it is prudent to buy comprehensive travel insurance for parents visiting USA. It is also useful to buy visitors insurance for parents from India with pre existing conditions coverage.
Yes, international tourists can buy travel insurance in USA. Given the extremely high cost of US healthcare, it is very risky for Indian parents and senior citizen Indian travelers to visit USA without the best travel insurance for USA. Indian parents can compare different travel insurance for USA plans online and buy the best health insurance for parents to get coverage as early as the following day.
US immigration authorities do not insist on travel insurance for visiting Indian parents while issuing the US tourist visa, so visitors insurance for parents is not mandatory. However given the very high cost of US healthcare, it is really not worth the risk of traveling to the US uninsured. Travelers should compare different medical insurance for visitors to usa from India plans and buy the best travel insurance for parents visiting USA.
International travel insurance provides coverage for all unexpected medical and travel emergencies anywhere outside the home country. US travel medical insurance plans typically offer protection for all unexpected illnesses or injuries during the trip. Some travel insurance plans also offer coverage for acute onset of pre-existing conditions while all travel insurance plans offer coverage for medical emergencies.
If the traveler is already in the US or started the trip, he/she can still purchase most of the travel insurance plans (some have a limited time after arrival in the US for eligibility to buy US travel insurance). Travelers should remember that the visitor insurance cover purchased will commence only after the start of the policy.
A traveler, traveling on a US tourist visa can choose to include medical insurance, however, it’s not compulsory. To travel stress-free and get maximum protection on an international trip, it’s best to include medical insurance to avoid inconveniences.
Indian domestic health insurance offers little or no coverage outside Indian borders. Hence travelers cannot use domestic health insurance outside their home country and international travel insurance is required.
Yes, there are various travel insurance covers available for Senior Citizens or older travelers aged above 60. Due to their age they are highly vulnerable to medical risks while traveling. It is advisable that aged travelers should include comprehensive travel insurance to get maximum cover for stress free travel.
No, travel insurance generally becomes more expensive for older travelers or plans that include coverage for acute onset of pre-existing coverage. Mostly it is the age of the traveler that increases the price steadily. Travelers aged above 60 years can see a higher premium of a travel insurance cover. Apart from the age, there are other factors like type of cover (fixed benefits/ Comprehensive), the maximum medical coverage as well benefits that define the cost of travel insurance.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus, Elite 90, Hop Travel Assist and Hop Mindoro Assist plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90 ,Hop Travel Assist and Hop Mindoro Assist. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
You can apply for INF insurance online through NRIOL. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on NRIOL or call +1 (877) 340 7910 to get help in applying for INF insurance.
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
Cost of best Visitor Medical insurance USA plans
|For eg - Age: 40 years; Duration: 1 Month; Deductible: 0|
|Travel Insurance Plans||Medical limit ranges||Estimate Plan Cost|
|International Medical Group (IMG)|
|Patriot America Lite||$50,000 - $1,000,000||$90 - $165?||Buy now|
|Patriot America Plus||$50,000 - $1,000,000||$90 - $165?||Buy now|
|Patriot America Platinum||$2,000,000 - $8,000,000||$180 - $310?||Buy now|
|Visitors CareFixed benefit||$25,000 - $1,00,000||$30 - $50?||Buy now|
|Safe Travels USA - Cost Saver||$50,000 - $1,000,000||$70 - $120?||Buy now|
|Safe Travels USA||$50,000 - $1,000,000||$90 - $160?||Buy now|
|Safe Travels USA Comprehensive||$50,000 - $1,000,000||$90 - $160?||Buy now|
|Safe Travels EliteFixed benefit||$50,000 - $175,00||$40 - $60?||Buy now|
|Atlas America||$50,000 - $2,000,000||$110 - $230?||Buy now|
|Atlas Premium America||$50,000 - $2,000,000||$190 - $330?||Buy now|
|VisitorSecureFixed benefit||$50,000 - $130,000||$40 - $80?||Buy now|
|Travel Medical Basic||$50,000 - $1,000,000||$110 - $180?||Buy now|
|Travel Medical Choice||$50,000 - $1,000,000||$120 - $230?||Buy now|
|Travel Medical Plus||$50,000 - $1,000,000||$160 - $290?||Buy now|
|Inbound USA BasicFixed benefit||$50,000 - $150,000||$55 - $70?||Buy now|
|Inbound USA ChoiceFixed benefit||$50,000 - $150,000||$80 - $100?||Buy now|
|Diplomat America||$50,000 - $1,000,000||$130 - $220?||Buy now|
|Travel Insurance Services|
|Visit USAFixed benefit||$50,000 - $250,000||$50 - $190?||Buy now|
Here are some travel insurance tips for travelers with pre-existing conditions
There are several visitors insurance plans available for international travel. However many visitors insurance and travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
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.
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 factors.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
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.
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.
The Indian community in US have their parents, in-laws, other relatives and friends visiting them for few weeks to many months. Majority of the parents are older travelers and they are more prone to fall sick or meet with any emergency. USA being a sophisticated country has high quality health care therefore cost of health care for US visitors is extremely high.
It is advisable to buy good travel insurance USA for Indians visiting US that offers best coverage for emergency medical expenses and also covers travel risks like trip delay, baggage delay or loss, loss of passport. Here you can use the find the best coverage tool to search the best visitor insurance in USA for parents and other travelers from India.
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Compare and purchase US Visitors medical insurance for parents visiting USA from India.
Thank you very much for all the help and explanation of the subtle things that we did not understand by mere reading of the benefits of the different insurance plans.
I wasn't expecting an update so soon! I appreciate your customer service. Your service representative was prompt, courteous and accurate with her response.
Really appreciate your help here. I have gone ahead and purchased the plan so quickly because of your well-organized mail towards what I was exactly looking for to purchase a plan.
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