There are several travel health insurance plans available for the visitors traveling outside their home country. These plans usually cover unexpected travel and medical emergencies. They cover sickness and injury as well as have benefits for repatriation and evacuation, luggage loss and delay and trip interruption.
However, one of the most important benefit that most travelers, in particular older travelers need is the coverage for pre-existing medical conditions. While there are several comprehensive travel insurance plans that provide coverage for acute onset of pre-existing conditions, there are many restrictions for older age groups.
INF travel insurance plans offer the most comprehensive coverage for acute onset of pre-existing conditions and accident and sickness for travelers visiting their families in the US and Canada. This relieves the stress of choosing insurance plans with pre-existing coverage and gives the travelers confidence to travel outside their home country. These plans serve many people who are visitors and who specifically need coverage for pre-existing conditions.
Some plans cover even the routine checkup associated with the pre-existing conditions. This pre-existing condition coverage makes INF plans unique when compared to other travel insurance options. INF plans are therefore ideal for US citizens going outside of the US and other foreign nationals traveling to the US or Canada.
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This is a fixed plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $75 to $5000 and for age 70-99 covers policy maximum of $100K and the deductible options of $250 to $5000. This plan covers pre existing conditions which includes coverage for blood test, lab work, hospital stay...apart from other benefits for unexpected medical incidents.
People up to age 99 receive coverage for pre existing conditions. People in the age range of 0-69 receive pre existing benefit in the range of $20K/$30K/$40K/$50K/$60K/$100K subjected to the deductible of $1000 and $5000. For people above the age of 70, coverage is available for $15K/$25K subjected to deductible of $1000/$5000.
This plan provides a policy maximum of $150K for people in the age range of 0-69 and maximum of $50K and $100K is available for people from 70-99. No coverage for pre existing conditions is available with this plan.
The following are the comprehensive INF plan options:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers pre existing conditions which includes coverage for blood test, lab work, hospital stay...apart from other benefits for unexpected medical incidents.
Elite plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $100 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $100 to $5000. This plan covers Preventive & maintenance care,TDAP, Flu, etc Vaccines and coverage for full body physicals .
Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers sickness & accident plan with 90% in network coinsurance .This includes non-insurance dental, vision, hearing & prescription discount card included for INF members
No coverage for pre existing conditions is available with this plan.
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers 90% of eligible medical expenses .This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions.
Elite 90 plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers sickness & accident plan with 80% in network coinsurance .This includes non-insurance dental, vision, hearing & prescription discount card included for INF members
No coverage for pre existing conditions is available with this plan.
Hop! Mindoro is a new fixed benefit travel assistance membership which provides travel, medical, legal, and personal assistance for travelers visiting anywhere worldwide outside their home country.
Hop! Travel Assist is a comprehensive benefit travel assistance membership program for international trips, offering 100% payment for Medical and Travel Assistance to the listed maximum in the membership general conditions.
Hop! TripAssist Plus is a comprehensive benefit travel assistance and members receive top-notch medical assistance for both Acute onset conditions and the worsening of pre-existing conditions.
Hop WorldHopper fixed benefit plan best For International travelers and covers Pre-Existing Conditions.
INF-BMI travel assist provides travel & medical assistance for international trips with no deductible or copayments and provides medical assistance for pre-existing conditions, acute onset of pre-existing conditions, and COVID-19 as per the limits in the Plan.
INF strongly recommends enrolling in the Ultra Plus, VIP, VIP Plus- which provides comprehensive coverage for full pre-existing, acute onset of pre-existing conditions, and COVID-19
If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
No.
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
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 INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus 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 Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and 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.
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 American Visitor Insurance. 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 American Visitor Insurance 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.
Here are some travel insurance tips for travelers with pre-existing conditions:
There are several US travel insurance plans available for international travel, however most of these 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.
INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.
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.
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 Plans, 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 Plan pages. INF plans are open to green card holders
INF Premier insurance and INF Elite insurance covers COVID19 as any new sickness only if the person did not have the sickness before purchasing the insurance.
Yes. Hop! plans offers medical Assistance for Pre-Existing Conditions.
Hop! Travel Assist is a travel assistance membership program for international trips, offering 100% payment with no deductible. Hop plans offers Travel, Medical and Security Assistance for travelers traveling worldwide outside their home country. Hop! Travel Assist is the guaranteed cashless claims process. Hop! has benefits for cruise, trip cancellation and pre-existing conditions.
Yes. Hop! Travel Assist offers coverage for trip cancellations or interruptions for travelers visiting worldwide outside their home country.
Hop! Trip Assist Plus and Hop! WorldHopper offers various benefits for travelers, such as:
There are 6 types of plans in Hop! Travel Assist. We have 5 comprehensive plans Hop Classico, Hop Ultra, Hop Ultra Plus, Hop VIP and Hop VIP plus. There is also one fixed plan HOP TripAssist Plus travel Assist. There is a minimum purchase of 30 days required to buy these INF HOP plans.
Visitors travel insurance for medical emergency outside your home country.
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Important factors while deciding on the best travel insurance for USA.
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Explore »While travelling in the midst of a coronavirus pandemic and given the increased number of cases due to the Delta and Omicron variant, one must ensure that they have the right travel health insurance with proper Covid19 coverage. At America visitor insurance travelers can get visitors insurance for Covid19 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 Covid19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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