Visitor insurance or travel medical insurance
Visitor Insurance also known as travel medical insurance is a temporary travel medical insurance policy, to cover health, injury and travel emergencies while you travel abroad . Traveling away from home without a good travel medical insurance can be risky, a sudden medical emergency can not only be a costly affair, but can also be quite stressful.
It is advisable to have a good visitor insurance policy, if you are traveling to a country like USA where the health care cost is extremely high , a simple doctor's visit can cost you several hundred dollars. It is highly recommended for senior travelers like parents visiting USA from country like India to have a proper visitors coverage protection to travel worry free.
Lets understand what a typical visitor insurance policy can covers.
What is usually covered in visitor insurance?
Any new medical conditions occurred after the plan effective date. Like
- Any new sickness /illness.
- Accidents or injury.
- Medical evacuations.
- Return of Mortal Remains ( coverage to send your remains home, in the event of death. )
This is just a generic list. Must review policy specific details to know what is covered.
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What is usually not covered in a visitor insurance?
- Any existing medical problem or problem related to existing medical situation.
- Preventative care ( routine medical checkups, physical exams, immunization shots etc)
- Maternity /pregnancy/ child birth.
- Major dental problems.
- Vision checkup, eye glasses or related treatment.
Pease must review policy details for complete “Exclusions” for a specific visitor insurance policy.
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Visitor coverage Insurance for USA:
If you are visiting USA, considering buying a US-based visitors coverage insurance policy. A US-based visitors coverage insurance is recognized by a larger number of hospitals and doctors in USA .
Convenience, instant reachable customer support, insurance acceptance, the peace of mind and hassle free claim are certainly present while buying policies from US based insurance company.
Here is a list of some of the best US based Visitor Insurance USA. plans.
Travel Insurance from your home country
You may obtain a visitor insurance policy from your home country.
A non-US visitor insurance policy may not provide the same level of coverage and benefit as a US-based insurance policy.
One of the major disadvantage with non US visitor insurance policies is that they may not be recognized at many hospitals and doctors in USA. Including may involved lot of paper work and follow up communication with your home country insurance office.
How does visitor insurance works ?
Depending on type of plan, the policy can either be a limited coverage plan or comprehensive coverage visitor insurance plan. A comprehensive coverage policy provide higher benefits and grater coverage.
Watch this interactive presentation explaining A-Z of Visitors Insurance.
Visitor Insurance an Interactive Video Tutorial 
You can get quote and buy a visitor insurance online.
Recommended Readings :
>> Click here to get the Quotes
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