If your family is planning to make the journey from India to the U.S.A. then there will certainly be plenty of preparation for their upcoming arrival. However, buying visitor insurance for your loved ones is perhaps the best way to prepare for a safe and secure family visit. No matter where on Earth your loved ones live or what type of medical insurance they have at home, they will still need to find a plan that protects them while visiting the U.S.A.
What’s the Benefit of Visitor Insurance?
A medical crisis while visiting the United States can cost thousands of dollars, especially if the traveler does not have the correct visitors insurance. For example, an ambulance ride alone can cost $1,200 and the emergency room visit could total another $3,000. Let’s not forget that long-term hospital stays will increase your expenses significantly, possibly costing up to $1 Million USD. For this reason, Health Insurance for Visitors in the USA makes great financial sense. This policy could keep that minor setback during your visit with children in the U.S. from turning into a financial catastrophe.
What Types of Visitor Health Insurance Can I Buy?
There are two general types of visitor health insurance: fixed coverage or comprehensive coverage. Which plan is best suited for you? Well, keep reading for the breakdown.
Fixed Coverage Policy: This type of insurance plan has predetermined amounts of coverage for a specific list of medical services. Fixed coverage plans are usually very affordable because there is a limit on the amount of each covered benefit. Payment for any health costs that exceed the outlined benefit payment will be your responsibility. The insurance company will provide a Certificate of Insurance that details all aspects of your coverage.
Comprehensive Coverage Policy: This type of insurance plan provides a much broader amount of coverage. Comprehensive Coverage plans do so by providing for a large percentage of medical bills (as much as 100%) after your deductible is met. As a result, comprehensive policies usually have higher premiums to offset the robust coverage, especially for older travelers.
Which Visitor Policy Is Right For You?
Figuring out which visitor medical insurance will work best for you can be challenging. We have outlined below how to best to approach this big decision.
- Know your policy terms. Always read the policy documents so you are familiar with the meaning of words such as deductible, copay, and in-network/out-of-network. Need a quick reminder? A deductible is money you will pay before your insurance starts paying. A copayment or copay is the small amount of money you will contribute towards medical services while your insurance carrier pays the remaining balance. In-Network providers are doctors, clinics, hospitals that belong to your insurance plan’s network and will honor a discounted payment amount. In contrast, Out-of-network providers are physicians, clinics, or hospitals that do not participate in the plan’s network and will not honor a discounted payment amount. Knowing all your policy terms guarantees you truly understand how your policy works and will get the most out of the coverage.
- Get Your Questions Answered. Ask as many questions as you can think of when shopping for the perfect travel insurance. You probably will not be the first (or last person) to ask those same questions. After all, insurance jargon and coverage concepts can be difficult for any everyday U.S. citizen to grasp as well. Get the answers you need by asking plenty of questions.
- Review Policy Documents. Do not just toss your policy documents in your travel bag. It is always best to review the Certificate of Insurance that is issued with your policy, as well as any brochures or benefit summaries that the insurance company gives you. All of this paperwork will explain to you the key plan features, limitations, exclusions, and other features.
Are Pre-Existing Conditions Covered?
Travel medical plans sometimes cover an “Acute Onset of Pre-Existing Conditions” up to a specific age. This usually means you’re covered if your pre-existing condition worsens spontaneously after the effective date of your policy and medical treatment is required within 24 hours of the Acute Onset symptoms. This is a different concept than traditional medical policies that view Pre-Existing Condition benefits like health care expenses incurred from an existing, chronic condition like high blood pressure or diabetes. Usually, routine care for Pre-Existing Conditions is not covered by travel plans.
Be Assured You’re Protected
You’ll never regret knowing unexpected health care costs won’t be ruining your travel plans or your travel budget. Investing in Travel Insurance for USA will provide you with incredible security and comfort knowing you have protection in case of an unexpected medical crisis. The policy costs far less than most people anticipate and will provide so much support to your loved ones (and yourself). Still need more information about the plan? Call us right now! We’d be thrilled to assist you and your parents in better understanding the policy and getting you ready for the next big adventure.
Visitors Guru is a one-stop solution for travelers looking for the best, most affordable visitor insurance plan available to protect them when journeying far from home. Visitors Guru offers a robust array of Visitor Health Insurance Plans from U.S.-based insurance companies. The company also has a virtual doctor program that lets you talk to a physician 24/7 for only $11 per month.
Thank You For Your Vote!
Sorry You have Already Voted!
