The United States is a land of opportunities and attracts many foreign workers to the United States every year while their parents and other close family members are still back in their home country. Many professionals work here for several years and eventually get a green card then become U.S. citizens, which can take a very long time, even decades. Until that time, they are unable to sponsor their parents to come and live with them permanently. Even though they’re in another country, they of course still want to see their family from back home. Such professionals in this situation in the U.S. invite their family to visit the United States. Their visit serves dual purposes: visiting the spectacular country and its various tourist places, as well as spending some quality time with the family.
As many of the parents and in-laws of such professionals are senior in age, they could have several pre-existing conditions. Therefore, it is important to look for the best travel insurance plans for visitors to USA with pre-existing conditions coverage.
Safe Travels USA Comprehensive Insurance
There are various visitors insurance plans that can provide coverage for acute onset of pre-existing conditions, which generally is defined as the unforeseen emergency occurring without prior warning and symptoms, and you need to take the treatment within the next 24 hours.
One such plan is called Safe Travels USA Comprehensive. It is underwritten by Crum and Forster SPC, rated A “Excellent” by A.M. Best.
Safe Travels USA Comprehensive provides coverage for policy maximums ranging from $20,000 to $1,000,000. For persons 65 years to 79 years, the maximum coverage is $100,000, while for persons in the age group of 80-89 years the maximum available coverage is $20,000.
Safe Travels USA Comprehensive provides one wellness visit up to $125, provided you purchase coverage for a minimum of 30 days and you use this benefit within 21 days from the effective date.
Additionally, Safe Travels USA Comprehensive is one of the very few visitors insurance plans to provide coverage for COVID-19 (Coronavirus) just like any other eligible sickness that occurs after the effective date of the policy. It will cover medically necessary testing, as well as the treatment provided you are infected after the effective date of the policy.
Safe Travels USA Comprehensive pays 100% to the policy maximum. For urgent care visits, you pay a $30 copay ($0 for $0 deductible) and the deductible is waived.
Compared to other visitors insurance plans, it also has a higher limit for loss of checked luggage coverage: $1,000 maximum.
You can make an instant purchase online of this insurance plan on this website. Immediately after purchase, you will get an email confirmation with the link to download your ID card, visa letter, and certificate wording.
In case you decide to extend your stay for whatever reason, you can do an instant extension of the insurance at any time before the policy expires. If you purchase for a longer duration and if you decide to leave early, you can get a refund for the pro-rated duration minus $25 cancellation fee, as long as no claims have been filed since the original effective date of the policy. In other words, it provides you the complete flexibility to purchase the insurance exactly for the duration of your trip.
If you have any other questions, contact us for answers. Our customer service agents are waiting to help you with your insurance needs.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.