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Traveling outside your home country is a novel experience to a lot of travellers especially if they are visiting their son or daughter in another country who has been overseas for some time. People might just want to visit their family abroad whom they have not met in a long time or they might just want to vacation outside their home country.
To make their visit memorable, it is important to ensure that all of their documentation is complete and that they have all that they need while they are outside their home country. Travel health Insurance commonly known as Travel Insurance or Visitor Insurance is one such high priority item that will put the traveller at ease, and something that he/she can rely in case of any medical emergency while in a foreign country.
There are many US insurance companies that sell travel insurance plans online. Do consider these important factors before buying an insurance policy As they determine the price and benefits you get after buying insurance. The most factor among travel health insurance plans are Fixed/Limited benefits and Comprehensive visitor insurance plans.
Visitor Secure health insurance plan is a pre-defined fixed benefit plan offered by WorldTrips for international visitors traveling overseas and for US citizens traveling outside of the US.
This is an economical and affordable health insurance plan that travellers can readily buy for any minor injury or sickness and is suitable for a short trip for Non US citizens visiting the US. The plan is classified as plan A, plan B, plan C and plan D based on the policy maximum amounts they provide.
The policy maximum amounts available for people from 14 days up to the age of 69 are as below:
Each plan have their own fixed deductible amount that vary from $0 to $200 as suggested in the visitor secure insurance brochure. For people under the age of 69 this plan covers acute onset of pre-existing conditions up to the policy maximum except Plan D which provides $100,000 lifetime maximum for acute onset of pre-existing condition when the available policy maximum is $130,000.
This plan however does NOT cover acute onset of pre-existing condition for the age of 70 and above. The policy maximum available for the age range of 70 -79 are $50,000 and $75,000 only. For people above 80, this plan provides a policy maximum of $10,000 only. Here is an example of how the Visitor Secure insurance plan works.
| Deductible options | Plan A | Plan B | Plan C | Plan D |
|---|---|---|---|---|
| Age 14 days to 59 years | $0, $50, $100 | $0, $50, $100 | $0, $50, $100 | $0, $50, $100 |
| Age 60 to 69 years | $0, $50, $100 | $0, $50, $100 | $0, $50, $100 | NA |
| Age 70 to 79 years | $100 or $200 | $100 or $200 | NA | NA |
| Age 80 and above | $100 or $200 | NA | NA | NA |
| Overall policy maximum options | Plan A | Plan B | Plan C | Plan D |
|---|---|---|---|---|
| Age 14 days to 59 years | $50,000 | $75,000 | $100,000 | $130,000 |
| Age 60 to 69 years | $50,000 | $75,000 | $100,000 | NA |
| Age 70 to 79 years | $50,000 | $75,000 | NA | NA |
| Age 80 and above | $10,000 | NA | NA | NA |
Here are some tips for buying pre-existing conditions travel insurance
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.
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.
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
While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 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.
Emergency Quarantine Indemnity for COVID-19: Visitor Secure insurance plan offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30 days and must show proof of quarantine mandated by a physician or governmental authority.
This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.
Covid travel insurance - Know more