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 factors you should think about while shopping for international travel medical 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 fineprint. Make sure you understand the plan clause by clause. It's important to find out whether it's 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 here: Types of Travel Insurance.
2. Provider Network
Most U.S. medical travel insurance plans have a list of medical service providers online. Providers networks, or PPO networks list 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. Extra Travel-Related Coverage
Some travel insurance for the U.S., particularly comprehensive travel insurance plans, also cover certain types of travel-related issues, such as baggage loss and travel-related emergencies.
6. Plan Popularity
The popularity of a plan can't tell you if the coverage will be right for you but knowing many of your fellow travelers relied on the plan before you gives you an indication that it may be worth getting into.
7. Insurance Provider Online Reviews
Reading traveler reviews of the plans you're considering is a great way to find coverage that works for you. When someone leaves a review it means they feel strongly about the product. Whether they had a great experience or a not-so-great experience their reviews can give you important information that will make your choice easier.
8. Credibility of Ecommerce Source
The last key factor to consider is the quality of the site you're using to purchase the plan. You might not always purchase insurance directly from the provider site. There are third-party vendors you can go through. Do a little online research before you decide that the vendor site is right for you.
We can help you find the best travel insurance for your trip to the United States. Just click the link below to view our international travel insurance plans for America.