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Will the insurance protect me if I become injured or sick due to participation in unlawful behavior? |
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Visitor travel insurance will not cover you for voluntary illegal acts or inappropriate behavior such as participation I riots and civil disobedience, or committing a felony.
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Will the insurance cover me for cosmetic surgery? |
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Usually, cosmetic surgery is not covered, however if reconstructive surgery is needed to restore function after an injury that is acquired while traveling, the insurance plan will most likely cover it.
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What is a Chart Number? |
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This is an unique number given to each patient. This refers to a file which has all records of the patients prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference for your doctor. One has to always provide his/her chart number whenever you call or visit a doctor.
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What is difference between Urgent Care and Emergency Services? |
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Getting an appointment for any ailment is a time consuming process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers.
Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc.
Urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.
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What are the short term visitor insurance options for US citizens living outside USA for visiting the USA? |
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The following are some of the visitor insurance options for US citizens living outside USA for visiting the USA
- Liaison Majestic Insurance
- Liaison Continent Insurance
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What are the insurance options for older travelers? |
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The maximum coverage available for older travelers is less than for younger travelers. You can review the older traveler insurance options
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Should I buy the insurance before my parents reach USA, or after their arrival here? |
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The main advantage of purchasing insurance before the travelers start their journey is that the travel medical insurance for the journey itself will be covered. In other words they would be covered for eligible travel medical coverage during their flight and in-transit till they reach the USA.
Some customers are however unsure of the duration of stay of their parents in the USA, as this can depend on the length of stay approved by the immigration authority at the US port of entry. For this reason some travelers would prefer to purchase the travel medical insurance after their parents arrive in the US. However, this issue can be overcome as most insurance providers will refund the premium that is not used on a pro rata basis. Alternatively, customers can purchase the policy for a few days and then renew the plan for the entire duration of their stay in the USA. However, in this situation, please make sure that you purchase a renewable policy.
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