Traveling to the U.S. can be a wonderful experience, but it is also important to ensure that you are safe and protected along the way. So, when planning your trip, an adequate travel medical insurance should be at the top of your packing list. Protecting yourself from any unexpected injuries, illnesses, or changes in travel plans begins with selecting a an U.S. travel insurance policy that best fits your needs and the following are key features that you should look for while shopping for international travel insurance for travelers visiting USA:
1. Coverage and Type of Plan
Before going ahead with a US travel insurance plan, read its fine print. Make sure you have understood it clause by clause. It is important to find out whether a fixed coverage plan or a comprehensive travel insurance coverage plan would serve your needs better. A comprehensive plan provides better coverage and flexible options. Learn more about the differences between comprehensive and limited coverage plans - types of travel insurance.
2. Provider Network
Most of the travel insurance for USA plans have a list of medical service providers online. Providers Network or PPO network provides of list of doctors, hospitals, and healthcare providers associated with your USA travel insurance company. Search and try to find out if there are any hospital/services listed close to your home. Often, all popular plans have a greater coverage network of providers all over USA.
Find out whether the particular plan/policy can be extended before it expires. Also, find out whether the coverage would continue if the plan is renewed. It should not be treated as a new policy because if you are forced to extend your stay in USA in the event of an emergency medical situation during your current policy period, you would need to renew your travel medical 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. There is no extra cost for the "renewability" feature, so it's a good idea to purchase a policy that can be renewed.
Cost is an important factor. It usually depends on the traveler's age, coverage amount limit, and type of plan. You may prefer to choose a US travel insurance plan depending on your pocket size; however, try to make sure you have coverage against all kinds of uncertain risks. Though some people prefer to take the risk of buying a low cost plan, they often have to pay more later. There is nothing wrong with either case.
5. Travel-Related Coverage
Some travel insurance for USA plans, particularly comprehensive travel insurance plans, also cover certain type of travel related coverage, such as baggage loss, and travel-related emergencies. Most plans offer features at no extra cost up to a certain amount.
The aforementioned features are just the key characteristics of travel insurance for USA. Besides looking for these features in your plan, look for its popularity, insurance provider and source you are buying from. Let us help you find the best travel insurance for your trip to the United States, by clicking the link below to view the international travel insurance for America.