Visitors Medical Insurance

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 good visitors health insurance can be risky, as sudden medical emergencies would not only be costly, but also physically and emotionally trying.

It is advisable to have a good visitor medical insurance policy if you are traveling to a country like the U.S. where health care costs are extremely high and a simple doctor's visit can cost hundreds of dollars.

Here is a quick list of what is generally covered by a visitors medical insurance policy and what is not.

What is Covered under Visitors Medical Insurance?

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    Any new sickness or illness

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    Accident or injury

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    Medical evacuations

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    Return of mortal remains in the event of death

What is Not Covered in Visitors Medical Insurance?

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    Any pre-existing medical condition or problem related to existing medical situation.

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    Preventative care (routine medical checkups, physical exams, immunization shots, etc.)

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    Maternity, pregnancy, childbirth.

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    Major dental problems

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    Vision checkup, eyeglasses or related treatment.

Please review each plan for details and a complete list of exclusions.

Visitors Medical Insurance from the U.S.

If you are visiting the U.S., considering buying travel insurance based in the United States. A U.S.-based travel medical insurance will be recognized by more hospitals and doctors in the U.S. than internationally-based policies. Some of the benefits of buying policies from a U.S.-based insurance company include convenience, 24/7 customer support, peace of mind and a hassle-free claims process.

Major U.S. based 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. Instead, visitor medical insurance is offered by specialty insurance companies.

Here is a list of some of the best U.S.-based Visitor Medical Insurance Plans.

Travel Insurance from Your Home Country

There are several non-U.S. companies that provide Travel Medical Insurance. A non-U.S. visitor insurance policy may not provide the same level of coverage as a U.S.-based insurance company. There are several differences in insurance purchased from a home country vs. a US-based insurance provider.

If you choose a plan not based in the United States, it may not be accepted by many hospitals and doctors in the U.S. Then, when you need to claim your expenses, you may encounter a lot of paperwork, 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 visitor coverage insurance plan. A comprehensive coverage policy will 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, and all original bills.

Here is some comprehensive information about the travel insurance claim process.

Why Buy Visitors Medical Insurance Policy Online?

  • Easy and quick
  • Hassle free
  • No paper work, faxes or membership requirements
  • No physical or medical exams required
  • ID cards available instantly
  • Coverage can start immediately or whenever requested
  • Easy renewal

Visitors Coverage is a unique one-stop-shop that specializes in offering visitors medical insurance policies to international travelers with online buying convenience and provides unbiased advice on buying comprehensive medical insurance coverage. You can also easily compare quotes so that you can purchase the right visitors insurance for you and your budget: Visitors Insurance. If you have any questions, please contact our support team. Here are some consumer tips on why you should consult with a licensed travel insurance expert.

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Disclaimer

Information provided here is 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.