Summer is the most popular season for parents to travel to the US to visit their kids and relatives. The warm weather across most of the US permits them to enjoy themselves and create good memories. But the memories can probably be made for wrong reasons if they decide to travel without one important piece of luggage – travel insurance.
People tend not to buy travel insurance if they feel they are not at risk. Decision to buy travel insurance probably should not be based on instincts. Usually, visitors end up paying more instead of saving, by not investing in travel medical insurance. Moreover, where parents are concerned, you should be prepared for any medical emergency. In such a case, having good travel medical insurance becomes essential.
The main argument in favor of buying medical insurance is that healthcare expenses in US are very high. If your parents suddenly fall ill during the trip, and if they are covered under a plan, then insurance will take care of most of the expenses associated with the treatment, doctor’s fee, hospital visit, and prescription drugs.
Whereas, in the absence of any medical coverage, you, or your parents, are financially liable for the bills, which can run up to thousands of dollars.
You can buy the travel insurance either from your home country or the US. It is generally recommended that the beneficiaries buy their travel medical insurance from a reputed company in the US that offers an insurance plan best-suited to their needs.
Travel medical insurance purchased from USA has many advantages: These plans are widely accepted in USA with some plans having Preferred Provider Organization (PPO) network coverage; the claims process is much faster as the plans are US-based; and you do not have to pay the medical bills upfront. Besides, if you have any questions or doubts, you can avail the 24-hour customer service in the same time zone.
When you set out to buy travel insurance from the US, you will find that there is no dearth of insurance companies providing competitive rates for travel insurance. But the plans may vary from one insurance provider to another. How do you solve the quandary of “which plan” and “which provider?” Research online.
Nowadays, most of the companies provide e-policies that can be bought from anywhere in the world without giving any medical exams. In truth, internet is the best source to research the most competitive insurance plan quotes, also to research the companies, evaluate various plans, assess the advantages and disadvantages of the plans, compare the prices, and buy your preferred policy.
For most of the buyers the crux of the matter lies in the question “how much to pay.” The cost of the health insurance premium depends on various determining factors like age and general health of the visitor, duration of stay, type of coverage, and destination. Pre-existing conditions are not covered under most of these plans, although a few companies do cover acute onset of pre-existing conditions.
In conclusion, buying travel insurance plans from a reputable and reliable company in USA should be an essential part of your parent’s itinerary.
The company should allow you to compare various plans based on individual factors like medical history, age of the beneficiaries, and length of their stay. The companies should also provide the liberty to buy and renew the plans online.
Your parents decided to visit the US to relax and enjoy with you instead of fretting over health and costs. You can help them achieve the purpose behind their visit by investing in good medical travel insurance.
VisitorsCoverage.com provides an online platform to get quotes, compare various plans, buy travel insurance that best suits your needs, and help you save money.
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