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Travel Insurance for coverage in Hawaii USA Hi I am interested in buying visitor health cover and have a couple of questions. I am a resident of New Zealand but travel on a British passport, will this cause any problems? Amount of cover required ? I am 62 and have a pre existing heart condition and have no real idea of medical costs in the U.S.A what would be an adequate cover ( we are visiting Hawaii for 12 days)
Thank you for contacting Insubuy. We are a broker and have all of the major plans on the market. These plans are designed to cover you anywhere outside of your home country (New Zealand). There are two categories of short term health insurance plans for a visitor to the U.S. You may purchase either a fixed or comprehensive coverage plan. The fixed plan options will be less expense, and pay a fixed dollar amount as per the schedule of benefits. The comprehensive plan options will pay a percentage of the cost after the selected deductible. Either plan option will cover any new illness, injury or accident which occurs after the effective date of the policy. The plans will not cover a pre-existing condition, immunizations, routine doctors' visits, or medications in relation to a pre-existing condition. Please use the link below to view the plans available. The two most popular comprehensive plan options would be the Atlas America, and Patriot America Plus. If you have any additional questions please let us know. You may contact our office directly at (866) INSUBUY. Visitors to USA: /visitor-insurance/ Atlas America: /atlasamerica-insurance/ Patriot America Plus: /patriot-america-plus-insurance/
Hi Thanks for the prompt reply - if I was to take out an Atlas America travel plan With Acute onset of pre existing conditions, as I understand it , I would be covered for a sudden heart attack as long as I had not seen a doctor with symptoms prior to the start of cover ? What sort of dollar amount would I need to cover hospitalization for this type of emergency ? -as the New Zealand emergency hospital fees are free
The acute onset of pre-existing condition coverage is defined as a sudden and unexpected occurrence, something which occurs without advance warning and requires emergency care. Treatment must also be obtained with 24 hours of the occurrence. We would recommend any policy maximum $100,000 or higher in order to cover the cost of a potential hospitalization.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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