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« Last edited by KidOOO on February 15, 2015, 08:10:46 PM »

Author Topic: travel insurance  (Read 64919 times)

Offline ExGingi

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Re: travel insurance
« Reply #340 on: July 08, 2020, 12:39:18 PM »
Can a dual citizen (isreali american) living in isreal who is visiting the states for a month or two apply for medicaid instead of buying travel insurance?

how much is income eligible?

what would be the best/cheapest option for health insurance in that situation?

if i booked with my CSR would all travelers be covered?

Medicaid is a state program, so it would depend on which state you "establish residency" in. In general one can qualify for Medicaid with income of up to 138% of FPL in most states (see https://www.kff.org/health-reform/state-indicator/medicaid-income-eligibility-limits-for-adults-as-a-percent-of-the-federal-poverty-level/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D) in NY one can get Essential Plan if income exceeds 138% of FPL up to 200% of FPL.

For FPL $ amounts based on family size see: https://www1.nyc.gov/assets/ochia/downloads/pdf/all_populations_medicaid.pdf
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Offline CRACKERJACK

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Re: travel insurance
« Reply #341 on: July 08, 2020, 06:57:25 PM »
If I filed Federal taxes (I did not file state) This past year stating that I currently live work and pay taxes in Israel Making me exempt from paying taxes to Uncle Sam (form 1116) would I still be able to “establish Residency” in ny

Not sure if it helps but my foreign income does not exceed 200% of the FPL

Can you advise what is my best option for medical travel insurance age 30 will be in us for 5 weeks

Thank you @ExGingi

Offline ExGingi

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Re: travel insurance
« Reply #342 on: July 08, 2020, 07:04:38 PM »
If I filed Federal taxes (I did not file state) This past year stating that I currently live work and pay taxes in Israel Making me exempt from paying taxes to Uncle Sam (form 1116) would I still be able to “establish Residency” in ny

Not sure if it helps but my foreign income does not exceed 200% of the FPL

Can you advise what is my best option for medical travel insurance age 30 will be in us for 5 weeks

Thank you @ExGingi

Establish residency by moving to NY (signing a lease, sending a child to school, or possibly other ways).

I can't advise you on Travel insurance. The Travel Insurance sold by US companies mostly excludes US Citizens coming to the US. From what I hear no Israeli travel insurance covers COVID-19 (but I would say you should have no issue if you get coverage that doesn't cover COVID-19, in case of emergency you can always get Medicaid in NY if you're under 138% of FPL currently)
I've been waiting over 5 years with bated breath for someone to say that!
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Offline CRACKERJACK

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Re: travel insurance
« Reply #343 on: July 08, 2020, 07:25:29 PM »
Got it!
Thank you!

Offline Danlover111

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Re: travel insurance
« Reply #344 on: July 09, 2020, 10:25:44 AM »
are you allowed to have insurance in 2 countries?

Offline ExGingi

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Re: travel insurance
« Reply #345 on: July 09, 2020, 12:59:46 PM »
are you allowed to have insurance in 2 countries?

Why not? Though I would ask what the 2 countries are.
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Offline Danlover111

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Re: travel insurance
« Reply #346 on: July 09, 2020, 03:28:58 PM »
Why not? Though I would ask what the 2 countries are.
Israel ans USA, i remember hearing its illegal

Offline ExGingi

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Re: travel insurance
« Reply #347 on: July 09, 2020, 05:42:15 PM »
Israel ans USA, i remember hearing its illegal

illegal based on which laws?

IINM Israeli citizens are required to be a member of "kupat cholim". That doesn't provide any coverage when coming to the US. Why would someone not buy something that does cover.

Now if you're talking about having 2 policies with potential coverage for the same incident, then you might be talking bureaucratic mess unless a policy clearly states that it provides primary coverage.
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Offline eliraps

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Re: travel insurance
« Reply #348 on: July 09, 2020, 10:33:18 PM »
Someone living in Israel. Is both an Israeli and UK citizen. Planning to visit USA for a few months.
What are his best options for travel insurance? (Specifically these days with covid19...)

Offline Yo ssi

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Re: travel insurance
« Reply #349 on: July 09, 2020, 11:01:50 PM »
Someone living in Israel. Is both an Israeli and UK citizen. Planning to visit USA for a few months.
What are his best options for travel insurance? (Specifically these days with covid19...)
Tried https://www.squaremouth.com/ ?

Offline eliraps

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Re: travel insurance
« Reply #350 on: July 09, 2020, 11:56:44 PM »
Tried https://www.squaremouth.com/ ?

Thanks. Just checked - they all do not include covid medical...

Offline ExGingi

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Re: travel insurance
« Reply #351 on: July 10, 2020, 04:33:43 AM »
« Last Edit: July 10, 2020, 04:39:03 AM by ExGingi »
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Offline kishke

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Re: travel insurance
« Reply #352 on: August 09, 2020, 08:42:16 PM »
I’ll be  traveling from ny to Orlando for sukkos, flight is $59 with jet blue, is it important to buy travelers insurance for $23? I have no cc that will protect me

Offline jose34

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Re: travel insurance
« Reply #353 on: December 06, 2020, 06:53:00 AM »
Someone traveling to England from Israel and is high risk needs travel insurance. Called a few places not willing to give insurance, any ideas?

Offline ExGingi

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Re: travel insurance
« Reply #354 on: December 06, 2020, 07:39:20 AM »
Someone traveling to England from Israel and is high risk needs travel insurance. Called a few places not willing to give insurance, any ideas?

There are places where almost anyone can get insurance, but pre-existing conditions will be excluded.

You can PM with specifics and I can see if I might be able to recommend something. 

You can check out Insurance4trip.com but if there are pre-existing conditions, I recommend the specifics are discussed in advance.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline YED

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Re: travel insurance
« Reply #355 on: December 07, 2020, 04:11:42 PM »
You can give this a try: https://quote.hccmis.com/atlastravel/?referid=9800110
for policies covering your stay in the US it will usually issue you a United Healthcare card for coverage in the US.

Offline ExGingi

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Re: travel insurance
« Reply #356 on: December 07, 2020, 04:15:44 PM »
You can give this a try: https://quote.hccmis.com/atlastravel/?referid=9800110
for policies covering your stay in the US it will usually issue you a United Healthcare card for coverage in the US.

Those policies will not cover US citizens who reside outside the US and are traveling to the US.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Dave321

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Re: travel insurance
« Reply #357 on: February 11, 2021, 01:42:52 PM »
is there any insurance for someone who is pregnant? before 36 weeks but last baby was a little early so just want to be covered. any way to get? so far all ive been seeing excludes birth

Offline ExGingi

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Re: travel insurance
« Reply #358 on: February 11, 2021, 01:55:08 PM »
is there any insurance for someone who is pregnant? before 36 weeks but last baby was a little early so just want to be covered. any way to get? so far all ive been seeing excludes birth

Living where? Going where? Also it might make a difference if the pregnancy is due to fertility treatment or involves more than one embryo.
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Offline Dave321

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Re: travel insurance
« Reply #359 on: February 11, 2021, 02:29:33 PM »
going from NJ to FL. Regular pregnancy,