Visitors Medical Insurance is a short-term temporary travel medical insurance policy that provides health, injury and travel emergency coverage while traveling or during a stay abroad. Traveling without a good visitors health insurance can be risky as a sudden medical emergency would not only be a costly affair, but can also be physically and emotionally agonizing.
It is advisable to have a good visitor medical insurance policy if you are traveling to a country like USA where the health care cost is extremely high and a simple doctor's visit can cost you several hundreds of dollars.
Here is a quick list of what a visitors medical insurance policy generally covers and what it does not.
What is Covered under Visitors Medical Insurance?
- Any new sickness or illness
- Accident or injury
- Medical evacuations
- Return of mortal remains in the event of death
This is just a generic list. It is recommended that you review policy details to know how much is covered.
What is Not Covered in Visitors Medical Insurance?
- Any pre-existing medical condition or problem related to existing medical situation.
- Preventative care (routine medical checkups, physical exams, immunization shots, etc.)
- Maternity, pregnancy, childbirth.
- Major dental problems
- Vision checkup, eyeglasses or related treatment.
Please review the plan details for a complete list of exclusions.
Visitors Medical Insurance from the USA
If you are visiting USA, considering buying travel insurance from USA. A US based travel medical insurance is recognized by a larger number of hospitals and doctors in USA compared to international policies. Convenience, 24/7 customer support, peace of mind and hassle-free claims are some of the benefits of buying policies from a US based insurance company.
US based major health insurance companies, including United Health Care, MetLife Insurance, Aetna Insurance, Kaiser Insurance, BlueCross Insurance, BlueShield Insurance, and AAA Insurance do not offer travel or Visitor Insurance for foreign visitors coming to America. Visitor medical insurance is offered by specialty insurance companies.
Here is a list of some of the best US based Visitor Medical Insurance Plans.
Travel Insurance from Your Home Country
There are several non-US companies that provide Travel Medical Insurance. A non-US visitor insurance policy may not provide the same level of coverage as a US-based insurance company. There are several differences in insurance purchased from home country vs. US-based insurance provider.
A major disadvantage with these policies is that they are not accepted by many of the hospitals and doctors in USA. Hence, when you need to claim your expenses later on, you may encounter a lot of paper work, correspondence, and frustrating follow ups.
How does Visitors Medical Insurance Work?
Depending on the type of plan, the policy can either be a limited coverage plan or comprehensive coverage visitor insurance plan. A comprehensive coverage policy provide higher benefits and greater coverage.
Please refer to this article on How to use Visitor Insurance.
How to Make a Travel Insurance Claim?
You may have to fill out the claim forms along with the proof of expenditure, which includes a copy of the hospital and doctors reports, besides all original bills.
Here is some comprehensive information about "Travel insurance claim process".
Why Buy Visitors Medical Insurance Policy Online?
- Easy and quick.
- Hassle free.
- No paper work, no fax, no membership.
- No physical/medical exam required.
- Instant ID cards available.
- Coverage starts instantly or whenever requested
- Easy renewal.
- Only the top, most reliable insurance companies provide online purchase.
Visitors Coverage is an unique one-stop-shop that specializes in offering visitors medical insurance policy to international travelers through online buying convenience and provides unbiased advice to buy comprehensive medical insurance coverage. Get quotes that can be compared against one another in order to purchase the right visitors insurance that fit your requirements and budget: Visitors Insurance