Below are some key features you should look for while shopping for visitor medical insurance for international travelers visiting USA from overseas.
1. Coverage and Type of Plan
Make sure you understood, the type
of plan you are buying, a fixed
coverage plan or a comprehensive coverage
plan. A comprehensive plan provides
better coverage and flexible options.
2. Provider Network
Most of the plans have a list of
providers given online. Search and
see if you have any hospital/services
listed close to your home.
Generally all known plans have a greater
coverage network of providers all
over USA.
3. Renewability
This feature tells whether the particular plan/policy can be extended and coverage continued if renewed, and not be treated as a new policy.
This feature is significant because if a medical situation happens during your current policy period, and you need to extend your stay in USA, you will need to renew your insurance policy. If you have purchased a renewable plan, the medical condition that occurred during your initial policy period will not be considered a pre-existing condition whereas if you purchase a new policy at that time, it will be considered a pre-existing condition for your new policy. There is no extra cost for the "renewability" feature, so it's a good idea to purchase a policy that can be renewed.
4. Cost
Cost is an important factor. Depending
on the traveler's age, coverage amount limit
and type of plan the cost varies.
Depending on affordability, you
can make the right selection suitable
for your pocket. Some people prefer
to take a risk of buying a low cost
plan but ready to pay more later where
as some prefer other way. There is
nothing wrong in either case.
5. Travel-Related Coverage
Some plans (mostly Comprehensive coverage plans) also cover certain type of travel related coverage like baggage loss, and travel related emergencies. Most plans offer features at no extra cost up to certain amount.
The features mentioned above are just the key features related to the policy. Other than these you should also look for popularity of the plan, company and source you are buying from.
If you have any specific question,
Send an email to support@visitorscoverage.com and a licensed insurance expert will help you.
