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Visitor Insurance Benefits for USA Visitors

31 Mar 2012 Visitors Insurance

A visitor insurance is a must, especially when traveling to USA as this is because of the high cost associated with medical care. Expenses incurred in developing countries are very low compared to the cost of treatment in these western countries also due to the sophistication and large medical facilities that are available for the service. Visitor health insurance becomes absolutely required if you need to avoid such extreme costs of treatment. If you are a tourist visiting U.S. states having high immigrant population like California, New York, New Jersey, Illinois, Texas, Florida, Washington, Massachusetts, or any other state in the United States, is even more important to have a visitor health insurance, especially if you plan to stay for longer periods of time and are visiting someone in particular for a short term. Visitor medical insurance will ensure the security of your savings as expensive hospital visits can drain the same.

Most comprehensive visitor insurance plans provide standard benefits included in the policy coverage such as medical evacuation, home country repatriation, Accidental Death & Dismemberment (AD&D), Common Carrier Accidental Death, etc. In-patient hospital benefits include hospital expenses (hospital room charges, prescription drugs), emergency room charges, Intensive Care Unit (ICU), in-patient surgery, pre admission tests, etc. are included in the coverage for Visitors to USA or to any other country outside the travelers home nation borders. Out-Patient benefits such as doctor office visits, out patient surgery, medical diagnostics (Lab, X-Rays, MRI), prescription drugs, etc.

Always refer to the insurance plan brochure for details of the benefit provided and level of coverage provided. More importantly, buy adequate coverage for visitors to USA and stay protected from the risks of high medical bills if without visitors insurance USA.