Yes, you can buy travel medical insurance for your father from us. We have several plans that support senior travelers (non-US residents and citizens) up to age 99 temporarily traveling to the US. There are Fixed benefit plans and Comprehensive plans. Fixed benefit plans have pre-defined limits on all the benefits you get through the plan and are generally cheaper than Comprehensive plans. Comprehensive plans rarely have pre-defined limits.

You can get a quote & apply for the policy of choice online at https://www.visitorguard.com/health-insurance/. Simply answer the questions and Click on “Get Quote”. You can compare the policies and complete the application for the policy of choice by clicking on “Buy Now”.

Yes, you can buy visitor insurance plans for your trip to America even if you have already left Philippines. Visitor Insurance is meant for non-US citizens and residents traveling to the US for a temporary stay.

No plans cover pre-existing conditions. Some plans can offer coverage for an acute onset of a pre-existing condition up to a certain limit. You can compare plans like Safe Travel USA Comprehensive, Visitors Protect in the comprehensive plans, or Safe Travel Elite in the Fixed benefit plans. Plans like Atlas America, Patriot America Plus, Patriot Platinum America, Visitors Care etc. can provide some coverage for a non-chronic acute onset of a pre-existing condition. You can compare the policies by simply answering the questions and clicking on “Get Quote” at https://www.visitorguard.com/health-insurance/.

Visitors Care, Visit USA Budget, Visitor Secure, Patriot America Plus, Atlas America, Atlas Premium America, and Patriot Platinum America are the plans that offer acute onset of pre-existing non-chronic conditions. Safe Travels Elite, and Safe Travel Comprehensive offer coverage for 1 episode of an acute onset of pre-existing condition with limits for cardiac and non-cardiac conditions. Visitors Protect can offer coverage for doctor visits for an episode of a pre-existing condition. To know more about each plan’s coverage, call us.

If your plan says “No PPO, any doctor or hospital”, you can visit any clinic, hospital, urgent care, and doctor. In such cases, you do not get discounted rates for the services. You might need to pay up-front and then submit for reimbursement. Doctors and Urgent Care facilities might not directly bill the insurance company.

An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without warning or symptoms. It needs immediate care and medical attention within 24 hours. Pre-defined limits are defined as the maximum amount your insurer will pay for a benefit as stated in the plan. For instance, if the plan mentions that it covers hospital expenses up to $1,000 per day, you will be covered up to $1,000, even if the bill amounts to $5,000 per day. These limits are typically seen in a fixed benefit plan. As far as acute onset of pre-existing conditions benefit goes, even if you have a $100K overall limit, the pre-existing will typically have a pre-defined limit for coverage.

Most of the plans have a PPO network. You can log in to the member’s portal and search for providers in your zipcode. You can search for providers, including doctors, hospitals, laboratories, urgent care, emergency medical units, and more. Fixed benefit plans and comprehensive plans work a little differently. If you have a comprehensive plan for your father, he can visit the providers inside the network as well as outside the network. However, if you go to in-network providers, you can get negotiated rates (only for comprehensive plans) plus depending on the plan the deductible and co-insurance can be waived. Whereas outside the network, there are no negotiated rates, and the visit will be subject to deductible and coinsurance. Fixed benefit plans do not have negotiated rates and visits are subject to the deductible.

Depending on the plan you opt for, you might not get pre-negotiated rates for the services if you go outside the network. Many plans waive the deductible and co-insurance if you go in-network. This benefit also will not be received if you go out-of-network. Also, providers outside the network might not bill the insurance company and you might be liable to pay upfront and submit Claims for reimbursement.

Once you submit the application online, you will get an email with links to your documents. You can simply download your documents through these links. Some plans can mail the documents to the mailing address you provide. You can opt for getting the documents by regular mail (if available) while completing the application.

No, you do not have to call the insurance company before you see the doctor. However, it is a good practice to call and verify benefits before seeing a doctor. If there are hospitalization, surgery, or scans involved you do need to pre-certify by calling the insurance company or completing it online. The certificate wording/ brochure will have a list of procedures for which pre-certification is required. You can find the list of doctors and providers in your PPO network.