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WorldTrips Medical Insurance Services (formerly known as WorldTrips) was established in 1998. It quickly became the leading international travel health insurance provider offering fully fledged health and life insurance plans in over 130 countries. Understanding the growing usage of internet as the medium for commercial transaction, WorldTrips was the first of its kind to introduce online purchase service for insurance customers. This innovation has been continued over the years and you can purchase insurance products offered by WorldTrips all electronically and without human intervention and the service is available 24 hours a day.
WorldTrips was purchased by the Noel Group, LLC, in 2002. With its unique and progressive zeal as an organization and with service offices throughout the world, positioned WorldTrips to transform its customer service department to a full travel and international assistance platform.
This encouraged WorldTrips to expand its product offerings and enthusiastically face the challenges of the ever changing global marketplace.Since it early days, WorldTrips has the reputation of providing superior quality customer service. WorldTrips has attracted a team of professionals including underwriters, claims analysts, and customer service specialists to emphasize the solid solutions to the administrative difficulties and other service barriers. By adapting to the changing requirements of the customers, WorldTrips promise excellent service.
In January 2008, WorldTrips Medical Insurance Services was acquired by HCC Insurance Holdings, Inc. (NYSE: HCC). Headquartered in Houston, Texas, HCC Insurance Holdings, Inc. (HCC) is a leading international specialty insurance group with offices across the United States and in Bermuda, Spain, Ireland and the United Kingdom. The acquisition by HCC allows HCC Medical Insurance Services to expand its reach in the brokerage community. HCC has assets of more than $8.0 billion, shareholders' equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor's, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company. Atlas America, Atlas International, Atlas Group.
Compare the benefit options and coverage limits of WorldTrips travel insurance plans.
Compare the benefit options and coverage limits of WorldTrips student insurance plans.
Here are some tips for buying pre-existing conditions travel insurance:
Atlas America insurance and Atlas premium insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude 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 have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
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.
Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
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.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
Worldtrips defines 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.
WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
The Visitor Secure is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.