Vellore Jaishankar No Comments

Visitors Insurance for USA Medical Coverage Benefits

Quote and buy visitors medical insurance for visiting USA as a visitor medical insurance USA plan is ideal coverage for Indians and Chinese visitors traveling to USA or Canada, or nationals from any nation visiting any other foreign country for a short term visit or extended stay. Visitors medical insurance benefits, exclusions, premium costs, deductibles vary according to the age group. Several US visitors insurance plans can be compared online by entering visitors age group and the visiting nation. Most of the visitors medical insurance plans cover the health of the traveler during their travel in USA, but some plans have limited coverage for pre-existing conditions.

There are basically two kinds of visitors insurance coverages available in the United States. These are the fixed benefit insurance policies and the comprehensive coverage insurance plans. The fixed benefit is less expensive compared to the comprehensive plans. With this, you are required to pay the deductible first and then the insurance company will pay up to the maximum amount for each procedure. The balance, if any, will then be paid by the plan holder. Generally, the maximum coverage is listed schedule of benefits table for fixed benefit plans.

There are many factors considered in short term visitor insurance policies. Insurance companies are much when looking for a short-term visitor medical insurance policy. Be sure to shop around for visitors insurance plans and compare visitor insurance costs before settling on one policy over another. Insurance companies will not have undue risks, in order to qualify for a short term visitors health insurance, whether online or offline, must present proof of age, a medical history and records of any ailments that often has. If you are a candidate for high risk which will have to pay a little as premium for its policy.

Vellore Jaishankar No Comments

Visitors Insurance, Best Plan for U.S. Visitors

Planning to travel to USA or visit any foreign country can be such a struggle for anyone, when there are tons of requirements that needs to be submitted, all with loads of paperwork accompanied. However, one should also not forget that the best plan in all this planning process is the most important requirements that a visiting party should accomplish before visiting USA or during a travel is purchasing the best visitors insurance plan or visitors medical insurance. The main reason that you will need to purchase this visitor medical insurance plan is it is absolutely required, even if it is not always mandatory per the requirements of U.S. visitors visa. Even if you have a domestic home country insurance plan, it will not be able to help you in covering your medical and health expenses abroad, hence to avoid any risk of financial troubles due to such unexpected charges, it is best plan for any international visitor to the United States to get adequate visitors insurance coverage protection. The best time to buy visitors health insurance is before your travel, after your travel plans have been confirmed you have secured your self an airline ticket.

Visitor medical insurance is a form of travel health insurance is designed for visitors or travelers visiting the United States for a short-term, and is commonly purchased by children or other relatives or friends for family members such as parents, in-laws, or others visiting immigrant communities from countries such as India, China, Russia, Brazil, Europe, UK, Australia, South America and South Asia.  Medical fees and any healthcare-related expenses in countries such as the United States are not at all cheap. Visitor health insurance covers unexpected medical fees that can become expensive while the family member is visiting America, which usually involves benefits such as coverage of emergency room admission, inpatient hospitalization, doctor’s office visits, medical surgery,  prescription drug fee, laboratory charges, etc.

Visitor medical insurance have certain limitations and conditions, and understanding the plan can be information overload for many. Most important point to understand is that the visitor health insurance plan will not cover any medical or health expense that is connected or related to a pre-existing medical condition you have conditions. In addition, there are several plan exclusions, which can be found in the visitor insurance plan brochure under the schedule of coverage section. The premium rates that you pay for the visitors insurance plan also depends on the age of the visitor, the maximum benefit amout, and type of coverage chosen – fixed benefit plan or comprehensive coverage plan. Also, many insurance providers and underwriter companies offer travel medical insurance plans with high benefit limits and deductibles. The deductible is the amount that the insured will pay before the insurance plan reimburses the medical expenses for you, and one can lower the premium payed by choosing a higher deductible.

Vellore Jaishankar No Comments

Visitor Insurance USA is best plan for visiting America

According to a U.S. government travel and tourism report, the number of foreign tourists who visited the US in 2010 was well over 60 million. Many of these visitors come from diverse set of nations around the world, and the reason they come to the United States are many. Short term visitors to USA may need to get a U.S. visitor visa from the U.S. Consulate in their home country prior to travel to the United States. If your home country falls in the list of countries that belong to the U.S visitor visa waiver program, you might be exempted from this requirement.

Costs associated for medical treatment and healthcare related services in the U.S. is one of the highest in the world. It is prudent to cover the risk of emergency sickness or injury while in the USA by purchasing a comprehensive visitors health insurance plan. To have a safe and worry-free vacation, travel, holiday, or extended stay in USA, it is paramount that one is adequately covered with accident and sickness insurance coverage from a reputed visitors insurance provider. The premiums which is quoted during the application process is very affordable and is collected by the insurance company provider, this will pay for the injured or sick visitors medical bills if needed during your visit to USA.

Visitor Insurance USA is best plan for visiting America which can be used for multiple reasons for the visit and in a variety of situations:

  • Foreign visitors to the U.S. who come to visit families, relatives, and friends here in the United States, the host families in the U.S. should get their visitors insured.
  • Visitors from anywhere in the world coming to America need visitor insurance. Currently, certain US consulates require proof of visitors health insurance purchase before visas are issued.
  • H-1 visa holders who as short term employees seek to come to the US to work temporarily.
  • Private or governmental agencies or non-profit NGOs seeking coverage for participants of international training programs.
  • International students who graduated and are no longer eligible for Student Health Insurance plans.
  • J-1 visa visiting scholars coming to the US are required to purchase medical plans with deductible $500 or less.
  • Groups of short term visitors to USA coming on business, summer camp, cultural exchange, profit or nonprofit organizations can benefit with group discount rates offered by Group Travel Insurance plans.
Vellore Jaishankar No Comments

Travel Health Insurance Coverage for Visiting USA

Foreigners who are visiting the USA from anywhere in the globe should purchase visitor medical insurance coverage. Insurance providers in the US have designed customized travel health insurance plans called as visitor health insurance for visitors to America. Visitor insurance USA features common medical insurance coverage benefits and offers the medical protection that visitors expect while outside their home country. Most of the US visitor insurance plans offered by prominent insurance providers are available online.

WorldTrips Travel Insurance, formerly HCC Medical Insurance Services (HCCMIS), and previously MultiNational Underwriters, Inc. (MNU), offers an travel medical insurance portfolio of travel health insurance products to customers in many countries. WorldTrips product offerings in the visitor medical insurance coverage segment include Atlas Travel Insurance, VisitorSecure Insurance, StudentSecure Insurance, Atlas Group Travel Medical Insurance, Atlas MultiTrip plan, and more.

International Medical Group (IMG) offers a variety of short term and long term travel medical plans specially designed to provide protection for foreign visitors to USA. A visitor health insurance coverage is ideal for U.S. citizens traveling abroad, foreign exchange students, global vacationers, traveling executives, overseas missionaries, and non-U.S. citizens visiting the U.S., or traveling anywhere outside their home country of residence.

Be sure to shop around for visitors insurance plans and compare visitor insurance costs before settling on one. Insurance companies will not have undue risks, in order to qualify for a short term travel health insurance, whether online or offline, must present proof of age, a medical history and records of any ailments that often has. If you are a candidate for high risk which will have to pay a little as premium for its policy. If you are willing to pay a larger amount as deductible, which is what you pay for out-of-pocket medical expenses, then, you can negotiate in the premium to the company. Another factor insurance will look at is how much can visit, if it’s for a long period, there may be unforeseen circumstances leading to the need of travel medical insurance. Short term visitor health insurance however they have a clearly stated period of validity. Insurance companies will also have actuarial details on the location which is visiting, any associated risks, what kind of trip that you are taking and other factors.