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 insurance plan is one way of taking care that unforeseen expenses do not make the trips unsuccessful.
You can buy a visitors health insurance plan, which offers medical insurance for a limited period wherever you are visiting from. The typical period for which the insurance is valid is 12 months. However, if your stay is extended, then you can extend the insurance for up to 36 months.
Visitor insurance plans are for visitors including businessmen, students, employees on deputation, individuals who come for training, and tourists. In some cases, visitor insurance is also useful for those who are looking to migrate to the United States.
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.
Your US Visitor Insurance plan covers medical treatment for the following categories: injuries during the stay, sickness, medical evacuation and repatriation of remains. If you have a pre-existing condition, then that is not covered. Other conditions not covered are medical treatment for testing medicines and childbirth.
Scheduled benefit plans and comprehensive benefit plans are the two types of visitors 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 US Visitor Insurance
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