Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Dental and Vision Coverage

Do Short-Term Visitors to the US Need Vision And Dental Insurance?

Do Short-Term Visitors to the US Need Vision And Dental Insurance?

Travel Insurance plans for the U.S. 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 U.S. residents? It is important to know what is actually covered in vision and dental insurance, and also discuss what kind of eye and dental care coverage you already receive in travel medical insurance for the U.S.

What Does Vision Insurance Cover?

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 U.S. for a short time should get an extra pair of glasses and get their eyes thoroughly checked in their home countries prior to traveling. You can get the same glasses and procedures done in your home country at a much cheaper cost.

Vision insurance doesn’t mean coverage for eye-related problems. Any medical problem in the eye which isn’t related to your vision (eyesight, glasses, lenses, etc.) is treated as a medical problem and covered under medical insurance. For example, any eye injury is a medical problem.

What Does Dental Insurance Cover?

If you look closely at dental plans, these are essentially preventative in nature. These plans usually involve cleaning, deep cleaning, root canal, X-rays etc. The co-pay and co-insurance amounts for these services are also very high. Only dental emergencies may be covered by visitors insurance up to a predefined limit. It is advisable to get preventative care like a teeth cleaning done in your home country at a more affordable price.

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. So, if you are looking for emergency dental care, travel medical plans do provide some coverage for that.

Ask for a discount.

If you need to go to a dentist for a root canal or tooth extraction, you can always ask them for a discount, and a lot of times they are able to provide you service at a substantially discounted rate. You can also use dental or vision discount cards to get a reduced price for some of these services.

Assess your situation to see if you will need additional coverage for vision or dental. Review your insurance policy, and be sure that you understand the benefits and exclusions before you opt for it. In case you need more information or want help selecting the right travel insurance plan, be sure to reach out to our Customer Success Team.


Related Articles

Does Travel Insurance Include Dental Coverage?

Travel medical insurance covers many unforeseen medical incidents and emergencies, but does travel insurance cover…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.