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Expat Health Insurance USA
Everyone loves traveling and undoubtedly, it makes you feel refreshed and gives you a moment of mental peace. However, it has its own share of risks like medical emergencies. Opt for Visitor Guard® Expat health insurance to overcome those risks.
While traveling, your existing insurance plan may not be able to cover the medical benefits. Hence, having an expat medical insurance plan will help in offsetting the medical costs
What is Expat Health Insurance?
Expat Health Insurance is a insurance for the expats to relieve their medical costs during their stay in foreign countries. It acts as a medical safety net that won’t let you pay off the bills from your pocket.
Visitor Guard® has different Expat medical insurance plans offered by the International Medical Group (IMG) and travel insurance for parents visiting the USA. These plans are designed based on the requirements of expats, which provides benefits to the family and individual as well.
Popular Expat Health Insurance Plans to USA
Patriot America Plus
$71 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
- Review Plan
Patriot America
$72 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
- Review Plan
Diplomat America
$99 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage from 5 days to 364 days (non-renewable)
- Brochure
- Review Plan
Diplomat Long Term
$173 / mo For age 45 years with $500,000 plan and $250 deductible- Plan maximum limit choices from $500,000 and a $1 million
- Deductible options from $0 to $5,000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
- Unexpected recurrence of a pre-existing condition( for US citizens)
- Renewal Coverage from 5 days to 2 years
- Brochure
- Review Plan
Patriot Platinum
$142 / mo For age 45 years with $2 million plan and $250 deductible- Plan maximum limits ranging from $1 million to $8 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
- Review Plan
Benefits of Expat Health Insurance
We focus on providing you access to health insurance and its benefits that will save you from unexpected expenditures on health emergencies while you are far away from home.
- Covers all medical treatments and costs: Ex-pat health insurance plan ensures the coverage of all medical costs from dr. office visits, prescription drugs to hospitalization and ER.
- COVID-19 coverage: Expat health insurance covers the COVID-19 expenses even when you are abroad.
- Pre-existing disease coverage: Some of the expatriate health insurance plans also cover unexpected recurrence of pre-existing disease.
- Full family security: Protect your entire family by filling health insurance for expat as a family and not as individual.
- Loss of baggage: The long-term expat health insurance plan also covers the loss of baggage and reimburses up to $250.
Why choose us for Expat Health Insurance?
Visitor Guard® has taken an oath to save and protect you while you are in another country. Let’s explore expat medical insurance specially designed to meet your needs.
- 24*7 customer support: We provide 24*7 support to our customers to clear all the insurance-related doubts and queries.
- Affordable plans: Compare and choose the best one for you among different expatriate medical insurance plans.
- International presence: The best thing about the Visitor Guard® is its global presence. We are not restricted to a single country.
- Quick claim reimbursement: We ensure you the quick and effortless reimbursement once you have claimed the insurance policy.
- Seamless process: Get your Expat health insurance plan without any hurdles. We aim at having a seamless process to help you get the best deal.
Best Expat Health Insurance USA
There are many things that you need to take into consideration while selecting the best Expat Health Insurance plan. There are two types of plans: short-term and long-term.
Before you purchase a plan, consider whether they are covering the recurring illness or conditions. If yes, then what are its limits? You should ensure the preferred destination coverage in the plan.
Expat health insurance also comes with the coverage of pre-existing medical conditions. When there is an acute onset of a pre-existing condition for citizens traveling abroad, only people under 70 years old are covered. The limits are determined by age and plan. There is a $25,000 maximum limit when medical evacuation is needed.
However, Global Medical Insurance places the limit on the ages that are covered in the insurance plan under pre-existing medical conditions. It covers people who are 14 days old to 74 years of age.
Apart from this, the Expat health insurance plan also covers Emergency Medical Evacuation, Repatriation, Return of Mortal Remains, Emergency Medical Reunion, Return of Minor Child, Loss of Baggage, Emergency Dental Treatment, Accidental Death and Dismemberment, and even Political and Natural Disaster as well. However, terms and conditions apply to all of them.
Expat Health Insurance Coverage
As with purchasing any insurance coverage, it is very important to research what type of coverage you need and what is offered by insurance companies. This is especially true in the case of recurring illnesses or conditions. You want to be sure that your Expat health insurance plan is able to cover those issues and what limits – if any –apply.
In addition, before purchasing a plan, you should ensure that your coverage can be applied to your destination country. Some locations, such as areas where there are wars, riots, or political tension, are banned from coverage. Be sure to find out if your area can be covered before purchasing.
Two insurance plans can help you meet your need for coverage: a long-term plan – Global Medical Insurance; and a short-term plan – Patriot Travel Insurance. Both of these plans are offered by the International Medical Group (IMG).
Expat Health Insurance With Pre-existing Medical Conditions
When there is an acute onset of a pre-existing condition for citizens traveling abroad, only people under 70 years old are covered. The limits are determined by age and plan. There is a $25,000 maximum limit when medical evacuation is needed.
Global Medical Insurance places a limit on the ages of those that can be covered. People who are 14 days old to 74 years may apply for coverage up until the age of 75. Those who are 75 are not eligible for insurance coverage. Dependents that are 19 or older will need to fill out a separate application.
There is an exception to the above age 75 rule. People who have been covered from age 65 up to age 75 continuously may be given lifetime medical coverage by applying for it – no medical underwriting needed.
Know more about Expat Health Insurance USA
Expat Plans Are Not ACA Compliant
When purchasing an ex-pat health insurance plan, you need to be aware that it is not compliant with the Affordable Care Act (ACA). Buyers of this type of health insurance need to find out if they are required to purchase insurance that is ACA compliant.
Geographic Area
Global Medical Insurance provides coverage worldwide or worldwide excluding the following countries: the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. You can choose from these two areas of coverage. The Patriot Travel insurance provides coverage outside your country of residence.
Medical Underwriting
All applications for Global Medical ex-pat health insurance will go through an underwriting process before being accepted for coverage. Based on the medical information on the application, Underwriters might ask for more information. . Payment must be made with the application before acceptance will be offered.
When underwriting is used, it is very important to report your true health and past medical history. This also includes any prior conditions. If discrepancies are discovered and you later make a claim, it is likely that your claims will not be paid and you might be at risk of losing coverage.
Multiple Payment Options
Both ex-pat health insurance plans offer multiple payment options. Global Medical Insurance offers four different plans and Patriot offers five: three to those traveling to the United States and two for citizens traveling outside the country.
When applying for ex-pat health insurance, be sure to allow enough time in advance for the insurer to be able to access your medical records and make an accurate evaluation before you travel. You will also need to have enough money available while you travel to pay for any deductibles, coinsurance, and medications. Insurers will only pay after you meet the deductible requirements.
Buy Expat Health Insurance Online
Check out all the plans Visitor Guard® has to offer and contact us today!
Do you have more questions about plans and coverages? Find out more about visitors health insurance and travel insurance for parents visiting the USA.
Call us anytime at 1-804-325-1385.
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Expat Health Insurance FAQ
Expatriate health insurance is designed who are working and living abroad. It is designed to give you and your family access to the best healthcare available where you live. Global Medical insurance can provide you annual coverage including preventive care and maternity. If you prefer a more economical option but lesser coverage that the Global Medical Insurance, the Patriot plans are a good choice.
Travel health insurance is designed for international visitors who temporarily visit another country. These plans usually include inpatient and outpatient benefits for hospitalization, intensive care, trip interruption, lost baggage, and others which might not be relevant to someone who is permanently moving to another country.
Expatriate health insurance is specially designed to provide coverage for a range of medical treatments and includes preventative care, maternity care and other benefits which might no be covered by a travel medical insurance.
When you move and work outside your home country, your health insurance at home might not cover you which could lead to a financial crisis given the current healthcare costs if you were to have a medical emergency. expat health insurance provides you with medical coverage when you are in a unfamiliar place as well as for your trips back home.
With the Global Medical Insurance if you opt for worldwide coverage including the US, you can get coverage anywhere you travel in the world. If you opt for worldwide coverage except the US, then the US geographical area will be excluded from coverage.
Health insurance coverage is no longer mandatory at the federal level, as of January 1, 2019. Some states still require you to have health insurance coverage to avoid a tax penalty. The states that require or have laws set to take effect that will require coverage include California, Massachusetts, New Jersey, Vermont, and Washington, D.C., Other states—including Connecticut, Maryland, Hawaii, and Rhode Island have also attempted to pass legislation that would make health insurance mandatory for their residents. In states where health insurance is mandatory, the rules for getting and maintaining coverage are similar to those under the Obamacare.
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