One-way (emigration) travel health insurance - from Asia

[Armenia 18]

Has anyone purchased a one-way (emigration) travel health insurance to the US from the Philippines/anywhere in Asia? I've been googling but only found emigration insurance that's open only to Australian and UK residents.

[jkelly07 120]

try ***removed***

[JimVaPhuong 4,863]

There are loads of insurance companies that will provide temporary medical insurance for immigrants. I found dozens with a simple google search.

Try this portal for some of your options:

http://www.immigrationhealth.com/

[Armenia 18]

There are loads of insurance companies that will provide temporary medical insurance for immigrants. I found dozens with a simple google search.

Try this portal for some of your options:

http://www.immigrationhealth.com/

Those are insurance policies for when the immigrant is already in the USA. I have no problem looking for that kind of insurance.

I'm looking for a one-way (emigration) TRAVEL (&) health insurance so that the insurance will cover that short period when I am travelling. As I've read in other immigration forums and as some travel insurance companies have told me, the usual travel insurance policies require that the policy holder's trip departs and ends at the same country.

One-way (emigration) travel health insurance also covers several days beyond the arrival date so that the policy holder has medical coverage while the new/other USA resident medical insurance hasn't kicked in yet.

My husband's work health insurance has no coverage for spouse/family.

[JimVaPhuong 4,863]

Those are insurance policies for when the immigrant is already in the USA. I have no problem looking for that kind of insurance.

I'm looking for a one-way (emigration) TRAVEL (&) health insurance so that the insurance will cover that short period when I am travelling. As I've read in other immigration forums and as some travel insurance companies have told me, the usual travel insurance policies require that the policy holder's trip departs and ends at the same country.

One-way (emigration) travel health insurance also covers several days beyond the arrival date so that the policy holder has medical coverage while the new/other USA resident medical insurance hasn't kicked in yet.

My husband's work health insurance has no coverage for spouse/family.

There are a number of policies available on the site I linked to that will cover non US citizens while they are abroad. Lloyds offers a policy that is available to citizens of any country if they are between 14 and 74 years old.

http://www.immigrationhealth.com/cs.htm

Like any policy, there are exceptions and exclusions. If your primary concern is a medical emergency while you're traveling or waiting for permanent insurance in the US, then this should work for you.

Honestly, we're talking about a matter of days here. It's slightly paranoid to be worried about this. If you have a pre-existing condition that might result in a medical emergency while you're traveling then almost no insurance policy is going to cover you. If you have a medical emergency that's a direct result of your transit (aircraft accident, for example) then you'd receive the emergency treatment you need, and have a valid claim against the carrier to cover the costs. Few countries would refuse you emergency medical treatment, even if you don't have insurance. In most US states, hospital emergency rooms are required to treat you, whether or not you have insurance. You'd just be stuck with the bills afterward.

On a personal note, your husband's employer provided health insurance sucks big time. I know there are a lot of employers that don't offer health insurance, but offering health insurance only to the employee is really crappy treatment by the employer. Heck, if they allowed the employee to pay the premiums for their family members then their group rate would go down because they'd have a much larger group. I can't imagine an employer being so cheap and still expect their employees to be happy working there.

[Armenia 18]

There are a number of policies available on the site I linked to that will cover non US citizens while they are abroad. Lloyds offers a policy that is available to citizens of any country if they are between 14 and 74 years old.

http://www.immigrati...alth.com/cs.htm

Like any policy, there are exceptions and exclusions. If your primary concern is a medical emergency while you're traveling or waiting for permanent insurance in the US, then this should work for you.

Honestly, we're talking about a matter of days here. It's slightly paranoid to be worried about this. If you have a pre-existing condition that might result in a medical emergency while you're traveling then almost no insurance policy is going to cover you. If you have a medical emergency that's a direct result of your transit (aircraft accident, for example) then you'd receive the emergency treatment you need, and have a valid claim against the carrier to cover the costs. Few countries would refuse you emergency medical treatment, even if you don't have insurance. In most US states, hospital emergency rooms are required to treat you, whether or not you have insurance. You'd just be stuck with the bills afterward.

Yes, I am slightly paranoid. I personally know people who have been on trips without travel insurance, had travel problems requiring repurchasing tickets and/or had accidents and ended up with six-figure medical bills that are not covered by any medical insurance. Although the probability of travel complications and medical emergencies happening is very low, they do happen. And that's the point of getting insurance, for those just-in-case events.

Insurance companies are numerous but their policies for one-way trips are not readily apparent which is why I asked for people's direct/actual experiences here with purchasing one-way/emigration travel insurance. I have no problem searching for insurance companies on websites (including the one you mentioned) but would like to whittle down the amount of time I have to spend contacting each company. Hence, this thread where I asked for people's purchases. I am currently in communication with several insurance companies just for the purpose of clarifying their policies for one-way travel. The problem with getting travel insurance for emigration travel is that the company will usually say that they require a ROUNDTRIP travel.

Thanks for your suggestion. You do not have to re-repost the URL. I'm only asking for one-way/emigration travel insurance actually purchased by people here.

On a personal note, your husband's employer provided health insurance sucks big time. I know there are a lot of employers that don't offer health insurance, but offering health insurance only to the employee is really crappy treatment by the employer. Heck, if they allowed the employee to pay the premiums for their family members then their group rate would go down because they'd have a much larger group. I can't imagine an employer being so cheap and still expect their employees to be happy working there.

I agree. It's a small consultancy company with few employees which is why group rate reduction wouldn't be significant. My husband was single when he started with this company so the sucky health insurance didn't matter then.