Visiting the United States is an expensive undertaking for many travelers. A medical emergency within the travel period might upset the entire planning. A visitors health insurance plan is one way of taking care that unforeseen expenses do not make the trips unsuccessful.
Visitors to the US from all over the world can buy visitors health insurance, which offers medical insurance to persons visiting the United States for a limited period. The insurance is usually valid for a maximum of 12 months. Some plans can be extended up to 36 months if the stay is extended.
You can eligible for the visitor health insurance plan if you are an employee on deputation, coming to U.S. for training, going to a university to study, seeking new business opportunities, or just a tourist. If you are planning to migrate to the United States, the visitor medical insurance can be useful until you make more permanent arrangements.
You can buy US Visitor 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.
If the family members of the visitor are also accompanying the visitor, the insurance plan can include them, or can be added on when they join the traveler. A variety of plan periods are available and all these can be renewed.
Coverage offered by the typical visitors health 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.
There are two types of visitor health insurance plans: scheduled benefit plans and comprehensive benefit plans. Scheduled benefit plans place a limit for each type of treatment covered, and are typically cheaper than comprehensive benefit plans. For example, you can purchase a plan with a $50,000 maximum limit, which may include a maximum limit of $2,000 for surgery and $500 for diagnostic services. Some of the plans of this type are Inbound USA and Visitors Care Insurance.
The comprehensive benefits plan usually does not feature any limits, other than published usual, reasonable, and customary charges. Once the insured pays the deductible and the co-insurance, the visitor health insurance plan covers the expenses up to the maximum policy limit. Some examples of this type are the Diplomat America, Atlas America, and Liaison International plans.
Ray Sandeo frequently writes about US Visitor Insurance
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