Travel Insurance for USA are short-term health insurance plans that usually have little or no coverage for dental or vision care. The question is do visitors really need more expensive vision or dental insurance plans like US residents? It is important to know that what is actually covered in the Vision and Dental insurance, and also discuss what kind of eye and dental care coverage you already get in travel medical insurance for USA.
What Does Vision Insurance Cover?
The vision insurance plans are essentially used for vision correction purposes like corrective lenses, glasses or problems like cataract and glaucoma. People who are visiting the US for a short time should get an extra pair of glasses and get their eyes thoroughly checked in their home countries. You can get the same glasses and procedures done in your home country at a much cheaper cost.
Do not get confused – Vision insurance does not mean coverage for eye-related problems. Any medical problem in the eye which is not related to your vision (eye sight, glasses, lenses, etc) is treated as medical problem and covered under medical insurance. Example: any eye injury is a medical problem.
What Does Dental Insurance Actually Cover?
If you look closely at the dental plans, these are essentially preventative in nature. Cleaning, Deep Cleaning, Root Canal, X-rays etc. are usually covered by dental plans. The co-pay and co-insurance amounts for these services are also very high. The dental insurances are themselves pretty expensive. Only dental emergencies to sound and natural teeth may be covered by visitors insurance up to a pre-defined limit. It is advisable to get preventative care like a teeth cleaning done in your home country at a much lesser cost.
Most Comprehensive Travel Insurance Plans also have some coverage for sudden dental emergencies like accidental teeth injuries. These plans may also cover any sudden dental emergencies due to unexpected pain. Hence, if you are looking for emergency dental care, the travel medical insurance for USA do provide some coverage for that.
Ask for Discount: If you need to go to a dentist for Root Canal or Tooth Extraction, you can always ask them for a discount, and a lot of times they would provide you service at a substantially discounted rate.
You can also use dental or vision discount cards to get a much reduced price for some of these services. You can get more information about discount cards at Medical Discount Cards
Assess your situation to see if you will need additional coverage for vision or dental. Review your insurance policy, understand the benefits and exclusions before you opt for it. In case you need more information to evaluate your situation in order to decide the right travel medical insurance plan for USA, feel free to email us at firstname.lastname@example.org.