Visitors Insurance for People with Pre Existing Conditions

Usually travel insurance companies do not cover pre-existing conditions. They automatically waive the pre-existing condition coverage. But some of the companies do cover acute onset of pre-existing conditions.

Pre-existing condition
Pre-existing conditions are medical conditions or ailments that existed before the policy started. The medical conditions that were diagnosed prior to the effective dates and for which you took treatment and medicines during the look-back period are called pre-existing conditions. Doctor’s diagnosis and lab test results can determine whether you suffer from pre-existing conditions or not.

Look-back period and pre-existing condition
If no new medical problems emerge during the look-back period and if the person is considered medically stable then he or she will not be considered as a candidate suffering from pre-existing condition. The look-back period means that you have to be medically stable for a certain period of time without any issues and change in medication related to the pre-existing conditions. The look-back period varies anywhere between 60-180 days. Any condition for which you sought treatment and medications during this period is considered as pre-existing condition.

Acute Onset of Pre-existing condition
Acute onset of pre-existing condition is a sudden manifestation of the symptoms of pre-existing conditions without any prior warning from the physician or through medical tests. But the coverage of acute onset of pre-existing conditions also has a sub clause.

The coverage will only be provided if proper care has been taken by the patient to keep the pre-existing conditions under control. The patient has to manage his conditions and follow doctors advice for take medications on time, follow the required regimen, and take care that the pre-existing condition does not reoccur.

In spite of all the efforts if the patient experiences symptoms of the pre-existing condition or some other ailment that is caused by the pre-existing condition, then he will be covered under acute onset of pre-existing conditions.

For people suffering from pre-existing conditions, it is always a good idea to buy a policy that covers acute onset of pre-existing conditions. The coverage will be most beneficial if it covers the whole length of stay.

Let’s take the example of Mr. Smith. He suffers from a heart ailment and had a heart attack in the past. The doctor has advised him to manage his conditions by taking regular medications, exercising daily and not participate in any stressful activities that can worsen his condition. Let’s assume he has a sudden heart attack. He may not be covered under acute onset of pre-existing conditions if he finds himself in the following scenarios:

  • Scenario 1: He goes for adventurous sports activities like bungee jumping. If he is rushed to the hospital complaining of heart-related issues during or after the activity, he may not be covered under acute onset of pre-existing conditions coverage because he violated certain conditions and precautions associated with heart ailments.
  • Scenario 2: Mr. Smith misses his medication, or takes half of the recommended dosage, or does not take regular dosage, he may not covered under acute onset of pre-existing conditions because he failed to follow the recommendations prescribed by his physician.
  • Scenario 3: If Mr. Smith does not follow recommended exercise regimen, general health and diet guidelines.

In all the above scenarios, Mr. Smith failed to take proper care, follow guidelines, and take adequate precautions to manage his pre-existing condition.

If he had followed the recommended guidelines like follow proper diet and exercise routine, not indulge in any adventurous sports activity that causes over-excitement, and take the prescribed medications on time, and still suffers an emergency medical incident or episode, he will be covered under acute onset of pre-existing condition coverage.


Here are some plans that cover acute onset of pre-existing conditions:

Best Visitor Insurance for Travelers below 70 years with Pre-existing Conditions
Coverage up to $100,000
Coverage up to $150,000
Coverage up to $100,000

How to Find Best Visitor Insurance Companies

Finding the best insurance for visitors is not an easy task. There are a variety of plans to choose from. Furthermore, prospective buyers do not know how to choose a plan and the factors to consider while buying the plan since the visitor insurance plan does not work like regular health insurance plan.

A major determining factor should be the company that offers the insurance plan. There are quite a lot of companies to choose from and it is often confusing to know which one is perfect for you. All the plans and the companies look the same. Below are a few tips that will guide insurance buyers on how to choose a travel insurance plan:

Know the names:
There are a lot of well-known companies that offer travel insurance like Seven Corners, IMG, Atlas etc. They sell the plans online through brokers or through various agents. They have various products and plans that cater to the needs of diverse set of consumers. Knowing the names and history of the various companies in the field always helps and gives you an idea of how these companies manage the risks and financial obligations.

Ratings of the underwriters:
Check the ratings of the underwriters of the policy. A.M. Best’s rating of the underwriters is a factor to consider while buying the policy. Best’s Financial Strength Ratings (FSR) reflects the insurance company’s financial ability to fulfill the obligations to its policy holders. The superior ratings start from A++, A+ (Superior) A, A- (Excellent), to B++, B+ (Good). However, you should not necessarily choose a company based on higher rating alone. For example, if one company has A++ rating and the other has A rating and if the company with A rating offers better features according to your needs go for the company with the better features.

Features provided:
Make sure that the company provides the right coverage and better plans. The features in the policy that you should look for are reliability, good provider network, coverage for pre-existing condition, renewability of the policy, and cancelation policy. If needed, look for additional features like trip cancelation, adventure sports coverage, emergency evacuation coverage etc.

Better service:
Do research on the quality of service provided by the companies. Check whether the companies provide services like 24×7 customer service and road assistance service. The time taken to file and process the claims, time required to answer your queries and doubts, and the general fair treatment of the customers are qualities that determine the status and reliability of the company.

Check for complaints against a company:
Since the travel insurance industry is regulated by the US government, there are insurance association that track complaints filed by various consumers. Research the complaint record of the company by contacting the insurance department of state. This will help you understand the company you are dealing with.

Finally, buy the travel insurance plan from a company that you can trust. Research the history of the company, read the reviews online, and ask for the reviews of the company from your friends who have had personal experiences with the company. All these factors will help you better understand the company you are dealing with.

Here are some the best rated visitor insurance companies:

Best Visitor Insurance Companies

     

Best Visitor Insurance: Top 5 Features to Look for Before Buying

There are various features that help determine the best visitor insurance policy. Prospective buyers often are unaware of the features to look for in the visitors insurance plan. Here is a list of five common things to look for before buying the plan:

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1 Type of plan:
Depending on your needs you can decide whether you want to go for a limited coverage or comprehensive plan. You can read the fine prints of the policy thoroughly, and understand the benefits, exclusions, and clauses in the policy. This will definitely help you take a better decision about the kind of plan and coverage you need.

2 Cost of the plan:
A major factor that influences people’s decision in buying an insurance plan is the cost of the plan. People generally tend to buy the plan based purely on costs. The cost of the plan should not be the only determining factor while buying a plan. Along with the low cost you are being rewarded with high risk. After a medical incident if you exceed the policy maximum you might have to pay the rest of the cost of treatment out of your own pocket that may prove to be a financial burden. Be prepared for unexpected medical and financial emergency by investing in a good plan that lowers the risk factors.

3 Renewability:
Unexpected situations might occur that might force you to postpone your plans to return back home. You have to be prepared for such eventualities. Check whether the plan you intend to buy can be renewed or extended before it expires. Make sure that the same coverage continues after the renewal. One other important factor in favor of buying a renewable plan is that if you have a medical condition that started in the plan prior to expiry, its treatment will continue after the renewal. In contrast, under a new insurance plan, the same medical condition will be treated as a pre-existing condition. Invest in a plan that is renewable that is renewable as there is no extra cost to buy such a plan.

4 List of providers:
Travel insurance companies in the US have a list of providers. The providers are the doctors, hospitals, and clinics. The more popular the plan the bigger the network of providers. For convenience sake, you can check online from the list if the there are any providers close to your area of residence.

5 Other Coverage:
Few other insurance plans also provide other coverage like baggage loss and other emergencies associated with travel. Usually these kinds of coverage come at no extra costs. Check out whether your insurance company provides this additional coverage. Some plans also have optional coverage like adventure sports coverage that can cater specially to your type of trip and give you better protection against emergencies. Be aware of the history and reliability of the insurance provider and the popularity of the plan while opting for these features.

Best Visitors Insurance for Parents visiting USA

Among the number of visitors visiting the US form India, majority are parents coming to visit their children. Parents’ visit to the US is always a great time to celebrate. But making their trip easier for them while they visit you should be a priority. The complex and expensive health care system of the US can take a toll on your financial security and your parent’s health if they do not have visitors insurance. Even if they are healthy and there are no plans to make any trips the risk of illness and injury is always there. One of the ways to make their trip safe and stress-free is to buy visitors insurance that includes health insurance.

Although parents can buy visitor insurance plans from their home country, a good idea would be to buy the plans from USA. The medical facilities in the US recognize these plans better and claims can be made directly to the insurance company. Also these plans are renewable and cancelable and the customer service assistance in the same time zone is always helpful.

There are various limited and comprehensive plans available for parents visiting USA. A comprehensive health insurance plan is better compared to limited insurance plan because it provides more coverage and has more benefits. Some comprehensive plans even cover other areas of trip insurance like baggage loss, trip cancelation, and other kinds of travel related emergencies.

The policy maximum should also be a determining factor while choosing the best visitors insurance for parents. The policy maximum chosen depends on the age of the insured and their period of stay. But it is always a good idea for a higher policy maximum.

Parents with pre-existing conditions like heart diseases, diabetes, high blood pressure etc should look for a policy that covers acute onset of pre-existing conditions. This feature is very important to have in your parents’ policy to deal with unexpected emergency medical situation that might arise as a result of their pre-existing conditions.

Ultimately, investing time, money, and energy to find the best visitors insurance policy for your parents will always work in your advantage and make your parents’ stay in the US a pleasant one.


Best Visitor Insurance for Parents below 70 years

5 Steps to Find the Best Visitor Insurance

Travel, travel period, and destination – every traveler has a unique itinerary. To find travel insurance that meets their various requirements requires right analysis and research. Here are 5 simple steps to follow to find the best travel insurance:

1 Identify your coverage needs:
Travel insurance does not cover just travel medical or health insurance. It covers other areas like trip cancelation, and trip interruption. Travel insurance offered by the cruise lines, travel agents, and booking engines is not enough. If you miss your flight, lose your baggage, need emergency evacuation, require adventure sports coverage etc the travel insurance will come to your aid in such emergencies if you have these areas covered. Anticipate the emergency needs that might arise during your trip and buy travel insurance plan that fits those requirements.

2 Select types of insurance coverage:
Be aware of the various types of insurance and the difference between those. There are various categories in travel insurance like travel medical insurance, trip cancelation, trip interruption, adventure sports insurance etc. Knowing the difference between them and their coverage limits can help you make better decisions about your visitors insurance.

3 Compare Various Insurance Plans:
Before the trip you use comparison sites to book hotels and flights. Similarly, go online and get free quotes on the kind of plan you require from a comparison website. Enter the basic information like age and get free quotes on the plans and buy the best possible plan. The comparison work is important for you to find the right coverage depending on your needs and other personal factors like age and general health. You also have to make sure that you get the best policy for the price. If the policies you narrow down cost the same, compare the features, benefits, and coverage of the plans and find the best policy at that price.

4 Cheapest is not the best:
Don’t buy the first policy in front of you because it is easy on the wallet. Cheap travel plans do not necessarily provide extensive coverage and may offer limited medical coverage too. Read the policy and make sure that you are getting your money’s worth.

5 Read the fine print:
People mistakenly buy travel insurance thinking it covers majority of things. Read the policy brochure thoroughly and be familiar with what is covered and not covered. This seems like an obvious thing to do but this is the step that most of the buyers skip. If you do not know what is covered and not covered you might not know the right questions to ask about the policy in case of doubts. Make sure that you read the benefits and exclusions sections carefully. Check if there is a 24-hour emergency services and assistance available.

Ultimately, you have to undertake the responsibility of finding the right policy. No one knows better than you the details of your trip. It is your money and you have to make sure that you invest it well.

Best Visitor Insurance for Tourist to USA

Tourists to the US are often stumped in their quest to find the best visitors insurance plan. The reality is that one common “best” policy that suits everyone does not exist. The solution is completely dependent on each individual buyer’s needs and priorities. The dependent factors to buy the right visitor insurance are the following:

Your needs:
You have to buy plans uniquely suited to your needs. You can prioritize your needs based on factors like the risk you are willing to take, scope of coverage, purpose of the travel, and so on. You have to decide what is more important for you and buy the best plan for you accordingly.

Higher Policy Maximum:
Policy maximum is the maximum amount that the insurance company will pay for a covered service. Depending upon the policy bought by the insured, Policy Maximum can be per incident (maximum amount covered per injury or sickness) or per policy period (maximum amount covered till the policy is effective). The higher the policy maximum, the better the coverage. If the plan is to stay long, have frequent road trips, going on a cruise, or participate in an adventure sports activity, always consider buying a plan with higher policy maximum.

Deductibles:
Deductible is the amount you have to satisfy before your insurance starts paying for a medical condition. If you opt for a policy with higher deductible, the premium will be less, which should be the case if you buy a comprehensive plan. If you go for limited plan, go for a lower deductible.

Type of Plan:
If your priority is not to take high risk, then comprehensive plans are better for you. They cost more, but provide better coverage, and the out-of-pocket expenses are comparatively much less if the medical bills are high. Most of the comprehensive plans also provide PPO coverage. Limited plans have low cost, but they provide coverage up to a fixed amount, and the rest of the medical expense is covered by you out of your own pocket.

General Health of the Insured:
The beneficiary’s state of health is also a good guiding factor in buying insurance. If the insured suffers from a pre-existing condition and generally has a frail health, it is better to go for a plan with good coverage and high policy maximum. If the health of the insured is good without any pre-existing medical condition, then he or she can go for any good plan with high policy maximum.

Purpose of the Trip:
The kind of insurance you buy depends a lot on the purpose of your trip. For parents, a good comprehensive plan with high policy maximum is a good idea. If you are going for adventure sports activity, then buy a plan that includes adventure sports coverage and emergency evacuation coverage. If you are going for a cruise, then buy a plan that provides medical and emergency evacuation coverage. Similarly, depending on the purpose of your trip, various other plans are available like student insurance, group or family insurance, immigrant insurance, and so on.

Age of the insured:
The age of the insured is a major factor affecting the type of insurance one buys. If the age of the insured is less than 65, various limited and comprehensive plans are available to choose from. But if the age of the insured is above 70, better to go for a comprehensive plan that has acute onset of pre-existing condition coverage.

Length of Stay and Season:
The type of insurance you buy also depends on the length of stay in the US. If you are going to stay for a long time in the US, then it is better to go for comprehensive plan. The season and time you visit the US is also important. If you visit in the winters, the chances of falling sick are high, and it is better to go for comprehensive insurance.

Finally, in order to find the most appropriate visitor insurance plan for USA talk to a qualified licensed insurance representative. The representative will understand your specific needs, compare the insurance plans, give the best quotes, and find the best US visitor insurance for you. The table below can help you decide the best plan for you.


Best Visitor Insurance for Visitors below 65 years

 


Best Visitor Insurance for Visitors above 70 years

 


Best Visitor Insurance for Travelers with Pre-existing Conditions

 


Best Visitor Insurance for Tourist above 80 years

 


Best Tourist Insurance: Limited Plans

 


Best Visitor Insurance for Travelers below 70 years with Pre-existing Conditions
Coverage up to $100,000
Coverage up to $150,000
Coverage up to $100,000