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 plan should be at the top of your packing list. Protecting yourself from unexpected injuries, illnesses or changes in travel plans begins with selecting a U.S. travel insurance policy that fits your needs. The following are key features that you should look for while shopping for international travel insurance for travelers visiting the U.S.:
1. Coverage and Type of Plan
Before going ahead with a U.S. travel insurance plan, read the fine print. Make sure you have understood the plan clause by clause. It is important to find out whether it is a fixed coverage plan or a comprehensive travel insurance coverage plan and which will serve your needs better. A comprehensive plan provides better coverage and flexible options. Learn more about the differences between comprehensive and limited coverage plans by reading our article, Types of Travel Insurance.
2. Provider Network
Most U.S. travel insurance plans have a list of medical service providers online. Providers Networks, or PPO networks, provide a list of doctors, hospitals and healthcare providers associated with your U.S. travel insurance company. Search and try to find out if there are any hospital/services listed close to your home. More popular plans will often have a better coverage network of providers.
Find out whether your particular plan/policy can be extended before it expires. Also, find out whether the coverage would continue if you renew your plan. It should not be treated as a new policy. If you are forced to extend your stay in the U.S. due to 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. 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.
5. Travel-Related Coverage
Some travel insurance for the U.S., particularly comprehensive travel insurance plans, also cover certain type of travel-related issues, such as baggage loss and travel-related emergencies.
The aforementioned features are some of the key characteristics of travel insurance for the U.S. When choosing a plan, be sure to look for the features listed above as well as its popularity, the insurance provider's online reviews and the credibility of the source from which you are buying your coverage. Let us help you find the best travel insurance for your trip to the United States by clicking the link below to view our international travel insurance plans for America.