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Global Medical Health Insurance

Compare and buy the best international health insurance plan

1. Applicant age
2. Applicant ’s spouse
3. Dependent under 18
4. Citizenship
5. Coverage Region
6. Current Residence
7. Mailing address
8. Do you work on a boat?

What does visitor travel insurance cover?

H1B Visa Health Insurance

Global health insurance is comprehensive major medical coverage and are designed to the special needs of Expatriates, US H1B, H4 and Green Card holders, sailors and cruisers too get coverage in all countries including the USA. Under these plans benefits are offered including maternity, mental health, wellness (preventive check ups) and medical evacuation.

International travelers, sailors and cruisers of all nationalities are eligible to purchase the special insurance plan designed for them to get worldwide coverage (USA and foreign countries) called as International Health Insurance. There will not be any limit on the maximum plan life under these long term insurance plans.
Insurance for H1B visa holders in USA

International Health Insurance Plans

There are several travelers who travel and live in different parts of the globe and they require a proper medical insurance. These plans are designed to meet the medical insurance requirements of the travelers who are going to the USA, the UK or any parts of the world. To cope with the expensive health care system the coverage of the plans will be very useful. The plans mentioned above are designed from some the popular insurance companies in the USA.

Global Health Insurance for H1B Visa Holders

As health care costs are very high in the USA and Canada, H visa insurance is very important while traveling to these countries. You can buy long term health insurance as per the duration of travel and stay in the USA or Canada. These major medical plans will cover the insured for eventualities like accident and sickness, medical care expenses incurred for doctors visits, hospital fee and medicine...

The insurance plans offered on our website are underwritten by reputed insurance companies with A.M. rating of A+. On purchase of the insurance the insured will be given relevant medical insurance details including the toll free numbers. You should call the toll free number to use the medical insurance and the process of direct billing will be guided.

Travel insurance for Coronavirus Covid

Covid19 International health insurance in the time of Coronavirus

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International travel insurance for USA citizens and NON US citizens

International travel insurance for different groups of travellers

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International health insurance for expatriate around the world

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Popular global medical plans

  • Fixed Plans

    Global Medical Silver

    • This is plan is a long-term, fixed benefit medical insurance plan that may be renewed yearly.
    • The plan provides Non-US citizens and US expatriates with excellent coverage outside their home country with a lifetime policy limit of $5,000,000.

    Comprehensive Plans

    Global Medical Gold

    • This Insurance plan is a long-term, comprehensive benefit insurance plan designed for a traveler seeking major medical coverage for a limited amount of time.
    • The plan provides comprehensive benefits for the initial three years of coverage after which some benefits are reduced. The plan has a lifetime policy limit of $5,000,000.

    Global Medical Platinum

    • This Insurance plan is one of the best long-term, comprehensive benefit insurance plan available. With a lifetime policy limit of $8,000,000 this plan is able to provide excellent coverage for Non-US citizens and US expatriates with excellent coverage outside their home country.

    Global Medical Bronze

    • This is a long-term, comprehensive benefit insurance plan designed for a traveler seeking major medical coverage. On this plan benefit levels continue after the initial three years of coverage, and remain available until the plan expires. The plan has a lifetime policy limit of $1,000,000.
  • Xplorer Premier

    • Unlimited annual and lifetime medical maximum.
    • Maximum Emergency Medical Evacuation Coverage: $250,000.
    • Worldwide coverage including comprehensive coverage in US.

    Xplorer Essential

    • Unlimited annual and lifetime medical maximum.
    • Maximum Emergency Medical Evacuation Coverage: $250,000.
    • Worldwide coverage, excluding coverage in US.

    Xplorer Select

    • Unlimited annual and lifetime medical maximum.
    • Maximum Emergency Medical Evacuation Coverage: $250,000.
    • Worldwide coverage, excluding coverage in US.

International health insurance blogs and articles

us visitor insurance

International health insurance blogs and articles

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    Health care coverage for retirees, insurance plans available for retirees to avail health care abroad.
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  • Global Medical insurance for pregnancy
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  • Expat insurance by Geoblue Xplorer
    Geoblue Xplorer health insurance for global citizens and expatriates.
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  • Expat insurance by International Medical Group
    These plans are for long term (more than a year) worldwide medical coverage for individuals and families.
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International travel health insurance - FAQ's

What are the benefits of buying international medical Insurance?
These are some of the benefits offered by international medical insurance:
  • Global health insurance coverage, including for Wellness, Preventive Care and Vaccinations
  • Coverage for transplant procedures
  • Pre-existing conditions coverage
  • Dental and Vision Coverage
  • Global term life insurance coverage
  • Sports Coverage
  • New born care, Maternity and Pregnancy coverage
  • Long term comprehensive medical insurance coverage with choice of different plan maximums

It is important to be aware that the domestic health insurance of your home country usually does not provide coverage while outside one’s home country, and this includes US Medicare coverage. As a foreign citizen, an expatriate will not be eligible for local subsidized medical care.

Another very important factor is the varying price of healthcare in different parts of the world. It should be noted that the quality and price of healthcare can vary significantly even within a country. It is therefore important to have good worldwide health insurance so that you can access quality healthcare wherever you are currently residing.

International health insurance for travel, or international travel insurance is a short-term travel medical insurance policy that visitors to any country can buy so they have coverage for accidental injury or illness during their stay in the host country. International travel insurance is not always a requirement to enter many foreign countries (it is needed for some countries, like the Schengen states while applying for the Schengen visa), but it is strongly recommended given the high cost of healthcare.

When buying international travel insurance, it's important to compare policies from multiple providers to find the best coverage at the best price. This can be done easily on NRIOL, where prices and benefits of the different plans offered by the top US travel insurance providers are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered. Do also check on the policy renewal rules which are displayed in the American Visitor Insurance comparison, should you want to extend your visit overseas.

International health insurance works by providing coverage for medical expenses incurred while traveling or living outside of one's home country. International travel insurance policyholders can provide their insurance card or policy information to the healthcare provider, who will submit the claim to the insurance company for reimbursement or direct payment. Depending on the international health insurance policy, coverage may include medical evacuation, repatriation, and emergency assistance services.

International health insurance for travel is recommended for anyone traveling abroad, especially those who are traveling for an extended period of time or who are visiting countries with limited healthcare facilities or where healthcare is very expensive. There are some international travel insurance plans that provide coverage for those who have pre-existing medical conditions or those who are engaging in activities that are considered high-risk.

International health insurance for travel typically covers emergency medical treatment, hospitalization, and medical evacuation or repatriation. This insurance may also cover other benefits such as prescription drugs, dental care, and accidental death and dismemberment.

Given the cost of healthcare, and that one’s domestic health insurance provides little to no cover outside one’s national borders, it is very important to have good travel insurance to take care of medical expenses for unforeseen situations for the traveler while on a vacation.

Best US immigrant health insurance plans

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Covid Annual travel insurance for Coronavirus coverage

Best travel health insurance for USA, Coronavirus yearly travel insurance for Covid19

Business and Corporate travelers or any travelers taking frequent trips worldwide can find the Annual travel insurance with Coronavirus coverage plan by using the Covid19 Annual travel insurance compare tool. These are the top yearly travel insurance companies offering Covid-19 coverage.

Trawick International Covid19 yearly travel insurance Safe Travel Basic/Deluxe/Executive Annual provides annual comprehensive travel medical coverage for COVID19.
  • Available for US residents only up to age 81 years
  • Maximum trip length is 30 days per trip
Travel Medical Annual Multi-trip insurance covers frequent international travelers and provides Covid19 annual travel insurance.
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30, 45, or 60 days per trip
WorldTrips Coronavirus annual travel insurance Atlas Multi trip offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30 or 45 days per trip
International Medical Group covid19 annual travel insurance Patriot MultiTrip offers coverage for medical expenses.
  • Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year
  • Covers non US Citizens travelling multiple times annually outside their home country
  • Offers coverage for covid19 illness
GeoBlue Trekker Essential annual travel insurance offers coverage for medically necessary COVID-19 testing and treatment.
  • Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents
  • Offers coverage for covid19 illness
Travel Insure has designed the Voyager Annual insurance plan for for U.S. residents who travel frequently for business or pleasure.
  • Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
  • It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.

International travel insurance resources

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Travel Insurance tips for travelers with 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 is visitors insurance for 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.

Why is travel health insurance for pre-existing conditions coverage 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 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 factors.

What are the factors to consider while purchasing visitors health insurance for pre- existing conditions?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  • The definition of pre-existing conditions and the look back period under the policy.
  • The eligibility age limit for pre-existing conditions coverage.
  • Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  • The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  • The deductible and out of pocket expenses for pre-existing conditions coverage.

Pre-existing conditions coverage - FAQ's

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.

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.

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.

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.
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.
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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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.
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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus pages. INF plans are open to green card holders
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