Health Insurance For Visitors To USA With Pre Existing Conditions
Your parents have finally arrived for the birth of your daughter. They are proud and happy for you. You've planned the baby shower for months, and timed it perfectly for your parents to be there with you. Now that family is finally together- you can relax.
But during the festivities- something terrible happens.
Your dad collapses and had a heart attack. You rush him in an ambulance to the local hospital (same one where your daughter will be born!) and he's taken into the ICU. After 4 days of being in the hospital, your dad is discharged.
And now you have a bill for $67,593.67. Now what? You have a daughter on the way- can you really afford this? You have so many bills already- don't you wish you enrolled dad in a visitors insurance plan?
Most visitors insurance plans offer something called "Acute Onset of Pre-Existing Conditions"
Most visitor health insurance plans for parents visiting the USA provide coverage for acute onset of pre-existing conditions. However, you may be duped into thinking you actually bought a plan that will provide any pre-existing condition coverage.
Most visitor health insurance plans covering acute onset are designed with so many exclusions that they will never have to pay a dime. Just try to find the definition of what "acute onset" is on their website- they won't have it!
What's the point of investing in a visitors insurance plan that doesn't pay anything? These companies pray on the "peace of mind" they offer. This is why some visitors insurance providers offer up to $1,000,000 of coverage. But in reality, these visitors insurance cover nothing.
Enroll your visiting parents in a true pre-existing coverage plan
So what do you do? Almost all of the visitors insurance plan offer acute onset of pre-existing conditions coverage. If these plans don't pay anything- is there any reason to even buy insurance? Well, if you are looking for a health insurance plan for your parents while they're visiting USA- take a look at the INF Elite Network plan.
INF Elite Network visitors insurance plan which covers pre-existing conditions. This plan covers urgent care, doctors visits, specialist care, hospitalization- everything is covered for pre-existing conditions. Coverage for pre existing conditions is available with the INF Elite Plan.
There are no pre-existing condition that are not covered by INF Elite Network. The Elite Network Plan covers worsening of pre-existing conditions- meaning you can get medical care you need, when you need it, and you don't risk having your claim not paid.
Rest easy knowing you are covered no matter what happens, only with INF
Parents want to enjoy their time. Get Peace of Mind with INF
This is a story told and heard much to often. When you have parents visiting the usa, you should always have some from of visitor health insurance. Visitor insurance plans are a type of short duration health insurance plan designed to protect visitors from these types of large medical bills.
When our parents visit, they tell us "Oh I am perfectly fine- I am just taking a tablet for blood pressure, that's all!" It's too causal of an attitude to take when talking about pre existing medical conditions. Blood pressure afflicts more visiting seniors, along with diabetes and chronic kidney issues.
It's important to find a visitors insurance plan that covers pre-existing conditions
Acute Onset plans will offer 100% coverage after the deductible has been met. Of course- on paper this looks good right? "For only say, $250 per month I get covered 100% up to $100,000, sign me up!" First, we want you to consider the cost of medical care in the United States. Now, consider the fact that insurance companies are here to make money. How can anyone offer this type of coverage and pay any claims? It is mathematically impossible.
Let us walk you through the math. If one person had a claim paid of $100,000, it would take 400 peoples premium to pay that claim. And if those 400 people all filed a claim for $100,000, it would take 160,000 people premium to pay those claims!
As you can see- there is no way companies offering 100% coverage after the deductible can pay it. It would bankrupt their underwriter overnight. As they say- there's no free lunch in the US.
Full Pre-Existing Coverage Plans cover all pre-existing conditions
INF Elite is considered a "full pre-existing plan." Full Pre-Existing means that INF covers not just acute onset, but the full scope of medical treatment for pre-existing conditions. Full Pre-Existing plans treat pre-existing conditions like new sicknesses, meaning there is no look back period. Any pre-existing condition is covered under the INF Elite Network plan, as per the policy. Since full pre-existing means that we cover all pre-existing conditions, INF can guarantee you will be covered for a heart attack or stroke, or any kind of pre-existing condition.
The INF Elite Visitors Insurance plan covers all age groups, include ages 70 - 99 years old. Elite Network also covers travel in your home country. If you get into an accident on your way to the airport, you are covered by an INF Plan.
We want you to ask these other insurance companies, "If my dad gets a heart attack, will you pay 100% of the medical expenses?" Tell them to give you an answer in writing.
If they say yes, go ahead and buy the plan. INF stands by its commitment to provide the only full pre-existing visitors insurance options for visitors to the United States.
Health Insurance For Visitors To USA With Pre Existing Conditions FAQ
Are heart conditions covered by health insurance for USA visitors?
Yes. INF Elite Network covers heart conditions for visitors to the USA. This means if your visitor has a heart condition which worsens during their stay, there is pre-existing coverage for them.
Since INF Elite plan covers all pre-existing conditions for visitors to USA, you can visit cardiologist, get an EKG done, go for blood tests- and it's all going to be covered.
Is there a visitors insurance that covers seniors age over 70 and 80 years?
Yes. The INF Elite Network & INF Premier plan cover all age groups up to 99 years old. There is no reduction or sub-limit for benefit amounts for ages 80+. Our plans will cover you until you are 99 years old.
I want to buy the Elite Network plan but it's too costly- is there a cheaper alternative?
You can opt to enroll mom or dad in the INF Premier Fixed Benefit plan. INF Premier covers all pre-existing conditions, but pays only a limited amount of benefits, which is why it's less expensive.
That being said- after all your parents have done for you, are you really going to go for a lower cost insurance plan? You are investing in not just peace of mind, but the protection of your parents health and your health.
Is there a visitors insurance that covers pre-existing conditions?
Yes. Only the INF Elite Network & INF Premier Plan cover all pre-existing conditions for visitors traveling to USA.
My dad is recently underwent a kidney transplant. Is there a visitors insurance that covers kidney complications?
Yes. INF Elite Network covers kidney complications and acute kidney injuries. Most other visitors insurance have specific exclusions which will specifically exclude kidney issues, claiming they are considered pre-existing conditions.
Because the INF Elite Network plan covers all pre-existing conditions for visitors to the United States- you do not have to worry if your father's pre-existing condition will be covered or not.
Who is the underwriter for the INF Elite Network plan?
INF Elite Network is underwritten by Chubb American Insurance Company. Chubb is A++ rated by AM Best and based in Philadelphia, PA. Chubb is an admitted carrier in the United States, unlike Lloyd's of London, Sirus International, or GBG Insurance. This means you have certain consumer protections, such as recourse for unfair claims.