Medical insurance for visitors to USA or any other country can be purchased any time prior or after the start of travel for different periods and the coverage duration may range from five days to three years. Various types of plans available include basic fixed benefit plans to more extensive comprehensive coverage policies. A comprehensive policy provides the insured a package of health care services no usually included in a fixed benefit plan. Also, plans offer different levels of maximum benefits and many selectable options for deductibles and extra protection. The visitor has to choose the best plan depending on the individual’s coverage requirement and premium payment affordability.
It is very essential to get familiar with some basic visitor insurance terms and lingo in order to understand various plan offerings and covered benefits. Deductible is a key feature of any policy that must be accumulated before the plan reimbursements kick in. This is the amount which should not be confused with co-pay, and has to be paid to the visitor insurance company before the visitor insurance plan pays for the covered expenses. Co-insurance options vary with each plan and refer to the total amount to be paid by the insured to the company including the deductible.
The visitors medical insurance plans broadly include emergency medical need or evacuation, accidental death and dismemberment, repatriation of mortal remains, costs of prescription drug, and hospital, doctor’s and clinical expenses. Health care in western nations like USA and Canada is expensive if you are not covered by visitors insurance. Even a minor sickness may require paying huge medical bills and spending large amounts of money for health care. Serious medical illness may turn out to be financially disastrous and could lead to bankruptcy. Also, many times, the visitors insurance plans purchased in your home country do not insure the visitor in USA as many care givers request a US based carrier. Hence, visitors health insurance from USA becomes all the more important for people visiting USA. The insured person can avoid financial shortcomings during health emergencies by getting the much needed medical protection.
For any person visiting USA, it is very confusing because of several medical insurance for visitors available with very minute differences. A thorough knowledge and research are required before opting the right travel medical insurance to USA or any other nation. Review and survey of the quotes of different insurance providers are essential. Besides the premium rates, the benefits of various plans should be compared. Planning to buy visitors medical insurance policy goes hand in hand with the other requisitions of any trip to USA. A thorough survey of various visitors health insurance plans is required to choose the best policy for oneself or a visiting relative or a friend.