LTR Visa and travel to America insurance - OK to combine?

 

Currently I don't travel and pay cash for health care - note I have diabetes and it seems like any serious health problems would not be covered by insurance other than an accident?

 

Next year my daughter will go to college in America so I will need travel insurance for visits and i am considering teh LTR visa ao I need Thai insurance for that.

 

Should I keep the two insurance policies separate?

Any regular insurance policy that includes cover for the USA will be prohibitively expensive

 

I suggest you keep this separate and take out a travel policy for your visits.  One specific to travel to the US would be best e.g.

 

https://www.imglobal.com/travel-medical-insurance/patriot-america-plus

 

As a diabetic, you will find getting a regular health insurance to be difficult. If you can get a  policy at all, it will have broad exclusions (though not literally everything but an accident. Cancer for example should still be covered. But cardiovascular disease, stroke, kidney disease, vascular disease may all be excluded....IF you can get cover at all, which is iffy). If you cannot get cover at all, there is an option of a USD $100,000 deposit instead. (you should in any case have at least that set aside/ readily accessible if paying for health care here out of pocket).

Getting American health insurance might help in the US.

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a "pre-existing condition."

https://www.healthcare.gov/coverage/pre-existing-conditions

As a US citizen you are eligible to buy a plan on the health insurance Marketplace or outside of the Marketplace in the non-group market. 

Even lawfully present immigrants are eligible for coverage through the Health Insurance Marketplace. 

Even a tourist to USA can get health insurance for the duration of their visit. ie., https://www.travelinsure.com

As an aside I hold an LTR visa and have a US health insurance policy that I use when in the US visiting and in Thailand where I am resident. 

 

 

 

1 hour ago, Srikcir said:

Getting American health insurance might help in the US.

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a "pre-existing condition."

https://www.healthcare.gov/coverage/pre-existing-conditions

As a US citizen you are eligible to buy a plan on the health insurance Marketplace or outside of the Marketplace in the non-group market. 

Even lawfully present immigrants are eligible for coverage through the Health Insurance Marketplace. 

Even a tourist to USA can get health insurance for the duration of their visit. ie., https://www.travelinsure.com

As an aside I hold an LTR visa and have a US health insurance policy that I use when in the US visiting and in Thailand where I am resident. 

 

 

 

Be aware that most US insurance plans require that you live in the coverage area (which may be defined as a state, county or group of states) at least 6 months a year. Also, most provide little or no coverage while abroad and certainly not while living fulltime abroad.

 

The OP is already living full-time in Thailand and only planning to visit US to see his daughter from time to time now that she will be studying there. Hence a regular US health insurance policy would be a large unnecessary expense for him, if he even qualifies for one given not resident there.

 

Travel policy is what he needs for the US and he can certainly get that. 

Check this out (there are many more sites)

https://www.visitorscoverage.com/travel/insurance-for-us-citizens-visiting-usa/

Travel insurance designed for U.S. citizens visiting the U.S.

 

8 hours ago, Sheryl said:

Any regular insurance policy that includes cover for the USA will be prohibitively expensive

 

I suggest you keep this separate and take out a travel policy for your visits.  One specific to travel to the US would be best e.g.

 

https://www.imglobal.com/travel-medical-insurance/patriot-america-plus

 

As a diabetic, you will find getting a regular health insurance to be difficult. If you can get a  policy at all, it will have broad exclusions (though not literally everything but an accident. Cancer for example should still be covered. But cardiovascular disease, stroke, kidney disease, vascular disease may all be excluded....IF you can get cover at all, which is iffy). If you cannot get cover at all, there is an option of a USD $100,000 deposit instead. (you should in any case have at least that set aside/ readily accessible if paying for health care here out of pocket).

I agree travel insurance will be short tern.

 

 

On 10/6/2023 at 11:17 AM, Sheryl said:

Any regular insurance policy that includes cover for the USA will be prohibitively expensive

 

I suggest you keep this separate and take out a travel policy for your visits.  One specific to travel to the US would be best e.g.

 

https://www.imglobal.com/travel-medical-insurance/patriot-america-plus

 

As a diabetic, you will find getting a regular health insurance to be difficult. If you can get a  policy at all, it will have broad exclusions (though not literally everything but an accident. Cancer for example should still be covered. But cardiovascular disease, stroke, kidney disease, vascular disease may all be excluded....IF you can get cover at all, which is iffy). If you cannot get cover at all, there is an option of a USD $100,000 deposit instead. (you should in any case have at least that set aside/ readily accessible if paying for health care here out of pocket).

AXA seems to cover everyone for small plans what do you thinK?

https://direct.axa.co.th/HealthOnline/EasyCare/CoverageOptionPlan?utm_source=Partner&utm_medium=Affiliate+&utm_campaign=Easycare_LTR_StarVisa_JUN23

1 minute ago, TravelerEastWest said:

AXA seems to cover everyone for small plans what do you thinK?

https://direct.axa.co.th/HealthOnline/EasyCare/CoverageOptionPlan?utm_source=Partner&utm_medium=Affiliate+&utm_campaign=Easycare_LTR_StarVisa_JUN23

They do not cover everyone and will most likely deny cover when they see your  diabetes  history. But you can try. The only way to find out for sure is to submit an application.

 

I suggest you go through a broker like AA. Thai insurers in particular have a bad history of paying claims and you may need the support should you get the policy and have a claim.

 

 

Good points!

 

Thank you