Submitted by Navin Pathak on Sat, 03/21/2015 - 9:01am.
Are you planning to travel to America without buying travel insurance? Think again! You can’t deny the fact that mishaps can happen anywhere at any time, which is why it is important to be protected with a US travel medical insurance plan when visiting loved ones in the United States or traveling on a leisurely US trip.
Healthcare in the US is a high-cost industry. If you travel to the US without health insurance, medical costs for treatment and advice, medical emergencies, hospital visits, doctor’s visits, and diagnostic tests can put a huge dent in your bank account. International travelers and B2 visa holders traveling to the USA are advised to buy an adequate visitors insurance policy to make their trip to the US one that’s worry-free.
Travel medical insurance plans sometimes go by other names such as visitors medical insurance, visitors insurance, overseas travel insurance, and travel health insurance. A US travel medical insurance policy provides medical and travel emergency coverage for visitors throughout their entire stay in the United States. Visitor visa holders can choose between limited plans and comprehensive plans. Depending on the plan you buy, insurance policies not only cover medical expenses, but also provide coverage for travel emergencies like baggage loss, in-flight emergency, trip cancellation, and trip interruption. Coverage benefits typically include:
- Hospitalization due to sickness, injury, or accident
- Emergency medical expenses
- Emergency medical evacuation
- Repatriation of mortal remains in case of accidental death
- Surgery and dental charges
- Cost of medications and prescription drugs
- Flight accident
- Accidental death & dismemberment
- Emergency medical reunion
- Brief return to home country
Recommended for foreign visitors to the USA, travel insurance also offers coverage for non-medical expenses including passport theft, trip interruption and cancellation, wallet theft, and baggage delay, among other travel benefits depending on the plan.
The visitors health insurance premium depends primarily on the type of coverage, age of the visitor, duration of health coverage, destination, and insurance deductible. You may either opt for comprehensive coverage plans or limited coverage plans, depending on your travel insurance needs and budget. Most of these plans do not cover pre-existing conditions, though a few may offer limited coverage under certain circumstances.
Where to Buy Visitors Travel Medical Insurance Plan
A number of insurance companies offer visitors travel insurance USA plans with competitive premium rates. However, since the prices of plans vary from one insurance provider to another, the best way you can save money on your travel insurance premium is to compare plans before you purchase. You can buy travel insurance for visitors to USA online using a travel insurance comparison site like www.visitorscoverage.com, which is one of the best source to find the most competitive insurance plan quotes. Most insurance companies issue an e-Policy, which makes it easy for you to purchase your preferred policy online using a credit card – even after you have landed in the United States.
While searching for the best travel medical insurance quote, be sure to verify the insurance provider’s credentials and compare plans and quotes offered by different companies so you get the best visitors insurance policy to suit your needs and budget.
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