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Traveling to another country can involve paperwork for passports and visa. Travel health insurance or visitor health insurance has now become an very important requirement for international travel.
Travel insurance can be purchased with ease online. The absence of adequate travel health insurance can make your trip a nightmare while having one can make your trip an enjoyable experience.
One never knows when a medical condition can occur while you are outside your home country in a new place, new people, new culture.
There are several private insurance companies in the market offering visitor health insurance plans for people visiting other countries including the US. There are two kinds of plans Fixed or scheduled benefits vs Comprehensive insurance. Here is a review of one of the most popular comprehensive plan for visitors to US.
Patriot America Plus visitor insurance plan offered by International Medical Group (IMG) is a comprehensive visitor health insurance plan for Non US citizens visiting US.
This plan has a benefit where it covers the acute onset of pre-existing condition for people below 70 years up to the medical maximum for preexisting conditions(medical) and up to $25,000 for pre existing condition emergency medical evacuation.
This plan like other comprehensive plans has a coinsurance quotient where the plan pays 90% of the expense after the deductible up to the first $5000 of expense when the insured goes to a facility within the PPO network.
Outside PPO network the plan pays 80% of expense after deductible up to the first $5000 of expense. First health network is the PPO network of IMG and this is the network for this plan. The plan has maximum lifetime of 2 years up to which the plan can be renewed.
IMG Patriot America Plus visitor Insurance:
Travelers under the age of 65 must purchase this plan within 6 months after arriving in the US and for people above age 65, they must purchase this plan within 30 days after arriving in the US. An incidental home country coverage of cumulative 2 weeks is also available.Patriot America Plus plan is available as a group plan as well. The Patriot America Plus brochure provides the rates for both individual plan as well as the group plan.
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Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
Insurance Coverage for older travelers with Pre-existing Conditions
Read more »Best of the Best Coverage for Pre-existing Medical Conditions
Read more »Get quote for visitor medical insurance with pre-existing coverage.
Read More »Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.
Read More »Compare pre-existing conditions insurance plans for US visitors and buy the best plan.
Read More »Patriot America Plus Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Here are some travel insurance tips for travelers with pre-existing conditions:
Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors 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, 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 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 pre-existing conditions clearly define 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 or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect 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 a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage 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.
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.
A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.
Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.
Visitor Insurance Resources
Choose international travel insurance resources for travel outside your home country.
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Factors for Travel Insurance
Important factors to consider while deciding on the best travel medical insurance.
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Types of Visitor Insurance
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
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Travel Claims Procedure
Travel medical insurance online claims process for getting medical care in a hospital.
Explore »Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately.
It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
Patriot America Plus is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot America Plus America Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.
The cost of Patriot America Plus insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2,000,000, $5,000,000, $8,000,000 up to age 70.For people age above 70 years plan maximum is reduced o $20,000.
To buy the Patriot America Plus insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
Patriot America Plus is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot America Plus Insurance plan provides coverage for US citizens traveling outside the US.
International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America Plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America Plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses.
If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.
Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.
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Need coverage for the IMG acute onset of pre-existing conditions insurance?
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It is best suited for travelers expecting first-class medical coverage..
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Visitors Care Insurance is an affordable fixed benefit insurance plan.
Compare quotesWhile travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. The new Omicron and Delta Plus variants are known to be even more infectious when compared to the previous Coronavirus variants and hence the importance of good a travel health insurance has further increased. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.
We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.
Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
International Medical Group (IMG) Coronavirus insurance offers covid19 travel insurance for USA. IMG's Patriot America Plus insurance Covid19 and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.
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