Visitors medical insurance is a short-term, temporary travel medical insurance policy that provides health, injury and travel emergency coverage to travelers during local trips or stays abroad. Traveling without good visitors health insurance can be risky. Sudden medical emergencies can be costly and emotionally trying. Travel insurance can keep you protected and give you peace of mind.
It's especially important to have a good international medical insurance policy if you're traveling to a country like the U.S. where healthcare costs are extremely high and a simple doctor's visit can cost hundreds of dollars. Purchasing medical insurance for the U.S. will give you the peace of mind to truly enjoy your trip.
What Does Visitors Medical Insurance Cover?
- Any new sickness or illness
- Accidents and injuries
- Medical evacuations
- Return of mortal remains in the event of death
What's Not Covered by Visitors Medical Insurance?
- Pre-existing medical conditions and problems related to existing medical situations
- Preventative care; routine medical checkups, physical exams, immunization shots, etc.
- Maternity, pregnancy and childbirth
- Major dental problems
- Vision checkups, eyeglasses and related treatments
Please review each plan carefully for details and a complete list of exclusions before you purchase a plan.
Visitors Medical Insurance from the U.S.
If you're visiting the U.S., consider 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 visitors insurance for foreign visitors coming to America. Instead, visitors medical insurance is offered by specialty insurance companies.
Here is a list of some of the best U.S.-based visitors 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. visitors 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 U.S.-based insurance provider. Also, keep in mind that travel insurance is different from trip insurance. Travel insurance generally provides medical coverage, while trip insurance may offer protection for cancelled flights, etc.
If you choose a plan from a company 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 face a lot of paperwork, correspondence, and frustrating follow-ups.
How Does Visitors Medical Insurance Work?
Depending on the type of plan, a 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.
How Do I Make a Travel Insurance Claim?
Your insurance provider may require you to fill out claim forms and proofs of expenditure, which include copies of the hospital and doctors reports, and all original bills.
Find out about the travel insurance claim process.
Why Buy Visitors Medical Insurance Policy Online?
- Easy and quick
- Hassle free
- No paperwork, faxes or membership requirements
- No physical or medical exams required
- ID cards available instantly
- Coverage can start immediately or whenever requested
- Easy renewal process
VisitorsCoverage is a unique one-stop-shop when it comes to travel insurance. You can view plans, compare quotes, get unbiased advice, and purchase travel insurance policies in one place.
If you have any questions, please contact our Customer Success Team.