Visitor Insurance Policies -Making Your US Tours Healthy
Visiting the United States is an expensive undertaking for many travelers. A medical emergency within the travel period might upset the entire planning. A visitor insurance plan is one way of taking care that unforeseen expenses do not make the trips unsuccessful.
People visiting the United States for a limited period from all over the world can buy visitors health insurance. Though the usual coverage period for which insurance can be bought is 12 months, this can be extended if the insured person’s stay in the US is extended.
The following travelers can buy US Visitor Insurance plans: students seeking higher studies, professionals on business trips, individuals who come for training, employees on deputation, and tourists. If the visitor is planning to migrate to the United States, then the visitor medical insurance is useful until more permanent plans are made.
You can buy visitors health insurance online from wherever you are and before you board the plane to the US. However, you should buy the insurance only after the visa formalities are completed and you have bought the ticket. The coverage cannot begin before you arrive in the US.
Visitor insurance plans can be purchased for a variety of plan periods, and can be renewed in most cases. You can also buy insurance for family members who might be accompanying you or joining you later in the U.S.
Coverage offered by the typical US Visitor Insurance plan includes medical treatment for covered sicknesses and injuries during the stay, medical evacuation, and repatriation of mortal remains. Pre-existing conditions, childbirth, and experimental medical treatment are not covered.
Scheduled benefit plans and comprehensive benefit plans are the two types of visitor health insurance plans. Scheduled benefit plans are cheaper than the comprehensive benefit plans and there is a limit for each type of treatment covered. For example, a plan with a $50,000 maximum limit may include a maximum limit of $2,000 for surgery and $500 for diagnostic services. Inbound USA and Visitors Care Insurance are some of the plans of this type.
Comprehensive benefits plans do not place any limits other than the published customary charges. The maximum policy limit can be used to cover expenses once the deductible and the co-insurance is paid. Diplomat America, Atlas America and Liaison International are some examples of this type of plans.
Ray Sandeo frequently writes about visitor medical insurance