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Visitor Medical Insurance for Health and Financial Protection

Anyone planning to travel outside home country, especially if the destination country is the United States, will be enthusiastic and excited about his or her upcoming visit. The travel planning involves first getting all the papers necessary and applying to obtain the visitor visa and passport, getting the airline tickets and being emotionally prepared for long distant journey. In this planning process, there is one more crucial item that needs to be addressed also, reviewing and applying to buy a visitor medical insurance plan that would offer coverage for any medical emergency due to sickness or injury, saving the travelers and their immediate family from paying the high healthcare related medical bills.

If it is the first time you are traveling to the US, or on subsequent visits, you can purchase a visitor health insurance policy that will pay for any unforeseen illness or injury during your stay in the country. Typically, the policy reimburses expenses incurred for hospital stay, doctor consultation, prescription medicines, and in-patient surgery. It also covers emergency medical evacuation expenses if the policyholder or traveling companion needs to be shifted to a hospital. It will also offer repatriation of mortal remains in the event of an unexpected tragedy also. The other common features of comprehensive visitor health insurance plans are accidental death and dismemberment benefits, repatriation, pregnancy complications and sudden recurrence of pre-existing conditions. These plans also insure against trip interruption and missing checked-in baggage.

There are two broad distinctions of visitor insurance plans, limited or comprehensive. In case of limited coverage plans, the benefit limit is generally less than the policy sum assured. Also, the policy holder must pay the initial deductible amounts for each injury or illness, after which the policy benefits reimburses only up to the limits as set forth in the schedule of benefits available in the plan brochure. Comprehensive coverage plan benefits are not limited by each medical condition and reimburse eligible charges up to the policy maximum based on the Usual, Customary and Reasonable (UC&R) model.