Visitors insurance for parents and family members visiting USA from overseas is very important. Health care costs are very high in the United States and Canada, and it is not worth the risk of being uninsured while visiting the country.

We work with several insurance providers to give the widest range of insurance options to visitors. To facilitate finding the correct insurance plan for your needs, we have developed a visitor insurance comparison tool. This allows you to compare different plans based on the premium rates, as well as other benefit details. You can compare as well as purchase the insurance plan online, and get the coverage to start according to your needs. Insurance your visitors while in the US and ensure that they have a stress free holiday.

The H1N1 pandemic has been spreading across the globe and there are fears of its impact in the coming months being more severe. It is prudent to take all precautions while traveling. Travelers to the higly impacted countries are strongly recommended to purchase visitor medical insurance.

There have been several queries regarding insurance coverage for the Swine (H1N1) flu for travelers. American Visitor Insurance which offers insurance for visitors to USA and Canada offers plans that will cover the Swine Flu, however the visitor health insurance plan should be effective before the visitor is infected by the flu.

If you are visiting the USA or having visitors come to visit you in the US, you need to think of health coverage here. You need to consider the following - Would the health insurance plan cover your health care costs, should the visitor be severly injured in an accident would it provide medical evacuation to an appropriate hospital, can you depend on this insurance in the event of an prolonged illness of the visitor ?

Understandably medical catastrophes are not the uppermost on ones mind while traveling, however it is important to consider visitor medical insurance as ignoring it is very risky. When you travel, you usually leave your regular health insurance plan behind. At American visitor insurance, we offer international medical travel insurance to visitors coming inbound to the USA as well as expatriate policies — health insurance that covers US citizens and non US citizens when they are traveling outside their home country.

The visitor insurance plan do not require medical tests before purchase, and are guaranteed for all travelers. The visitors insurance plans will however not cover the folowing -
(a) Preventive care - Expenses incurred for treatment to prevent an ailment, such as getting a health checkup
(b) Pre-existing ailment - Health care costs for ailments that the visitor suffers from prior to purchase of the insurance. Whether an ailment is pre-existing or not is determined by the doctor who treats the patient.
(c) Illegal acts - Medical costs incurred while involved in any illegal activity is not covered
(d) Dangerous sports - Most visitor insurance plans do not cover dangerous sport, however you can purchase an additional rider if you want coverage for a particular sport

Typical visitor insurance plans offer the following coverage

Hospital services.
Physician fees
Prescription medicines.
Diagnostics, MRI’s and X-rays.
Outpatient services.
Local ambulance transportation in the event of a medical emergency.
Medical evacuation.
Repatriation of mortal remains.

To find out about the different visitor insurance plans available, you can call us at 877-340-7910 or use the compare tool on our website at American Visitor Insurance. We work will most of the insurers who offer visitor insurance and therefore offer the widest range of products. The price or premium for the plan will depend on the age of the traveler as well the type of coverage being offered.

International student medical insurance plans are for students who travel outside their home county for higher education. These student health insurance plans provide coverage for health expenses, prescription drugs, mental health coverage, and even pre existing conditions such as maternity expenses after a waiting period. International student insurance plans are designed to satisfy the requirements of American universities. To purchase student insurance, you should be either a full time student or a full time scholar performing research for a minimum of 30 hours every week in an educational institution. International student insurance plans usually require a valid educational visa as proof.

At http://www.americanvisitorinsurance.com, we have developed a student insurance comparison facility where you can get quotes of plans offered by different companies, as well as compare them based on different coverage details. You can select the plan that suits your specific needs best.

Some of the factors that you should consider other than the premium rates are the eligibility requirements and the waiting period for pre-existing condition coverage. Student insurance is also available for dependants of the actual students such as the spouse and child/children of the student. However you should have documentation to prove dependence. In the case of spouse a proof of marriage might be requested, and the dependant children should be less than 19 years old.

Quite often your university will ask for a insurance waiver form to be completed. This can be provided by the insurance provider from whom you purchase the insurance plan. At American visitor Insurance, we can facilitate getting the insurance waiver form completed.

Here at American Visitor Insurance we field lots of questions from our customers who are looking for insurance particularly for visitors traveling to the US from abroad. One question we often get is: What is the difference between fixed and comprehensive benefit policies? If you use our visitors insurance compare facility on our website, you will see that fixed policies are cheaper (the difference in price increases as the age of the insured increases) than the comprehensive policies. So does it follow that the comprehensive policies are better? Well, not always. Let me give you a run-down of pros and cons of each choice.

Fixed benefit policies are called fixed because they have set caps on each medical expense. For example, they may pay $3,300 for a surgery. If a surgery is required, and it costs $10,000, a fixed benefit policy will only pay what is listed for that benefit, in this case $3,300 (after you have met the deductible). This means that you would have to pay any excess of their fixed amount. Comprehensive policies, on the other hand, do not have individual caps for each medical amount and will pay for a covered medical expense up to the maximum amount chosen (after the deductible and coinsurance are met).

So, are there any pros to the fixed benefit policies? Of course, there are several. Firstly, the price of the premium is much lower due to the lower liability of the insurance companies have since they have limits on what they pay out for each medical expense. Also, they also tend to have lower deductibles (although they are often on a per injury or sickness basis) and they do not care which doctor or hospital you go to. Moreover, they begin to pay their benefits after the deductible for a covered medical expense is met (no coinsurance to pay). With some policies, the maximum coverage is (like the deductible) also on a per injury or sickness basis, which may make you feel more secure in your choice of maximum coverage. One option (Inbound USA) has also added a pre-existing condition rider that will cover a set amount in case of heart attack or stroke, which may be of interest to some of our customers; this option does cost more, but you can decline it.

The cons are that in a more severe illness or accident, they are unlikely to cover all medical costs incurred and it will be difficult, if not impossible, to figure out how much you may have to pay since there is the uncertainty in cost associated with what type of medical attention will be required.

That is where the comprehensive policies can give you more peace of mind. With the comprehensive policies, you can easily figure out what your “worst case scenario” of medical payment will be (just add the deductible to the proportion of the coinsurance amount that you must pay). For example, if you choose a policy with a $250 deductible which has an 80% coinsurance on the next $5,000, then the most you will have to pay is $1,250 since that will satisfy the deductible and your coinsurance amount up to the maximum of the policy. You can then choose a deductible amount and coinsurance with which you are comfortable in the event of an emergency.

So consider your options carefully and feel free to call us if you have any further questions. The only other suggestion I always give my clients who are considering a fixed benefit policy is that choose the highest maximum that you feel you can afford. As the policy maximum increases, so do all the caps on medical expenses. So, for example, at the $50,000 max level, the surgery benefit may be $3,300, but at the $100,000 level, the cap is set at $5,500. In this way, you can still save money on the premium of the policy while having more peace of mind that, should your loved one need to use the visitors insurance, the insurance company will pay a greater portion of the bill.

We at American Visitor Insurance wish you and your visitors happy and healthy voyages wherever their travels may take you!

Visitors Insurance is medical insurance that covers a persons health and accident related expenses when he or she is traveling outside of his/her country. Visitors insurance can be bought even after the start of a journey, however it is recommended to purchase visitors health insurance as they start their journey till they return, this will provide insurance coverage while they travel as well. Short term visitor insurance protects travelers from exorbitant health care costs by providing coverage for injuries sustained in an accident and for illnesses that are not connected to pre-existing conditions. A good visitors insurance policy will cover a person outside of his home country no matter where in the world he may be.

Purchasing Visitors insurance may be done via the Internet on www.americanvisitorinsurance.com. Short term visitors insurance policies usually do not even require medical exams or records. One only needs to provide a passport number, travel details, and use a valid credit card to be able to purchase a visitors insurance policy.

Getting good visitors insurance policy is so very convenient via the internet, it is strongly recommended that all international travelers buy good visitors insurance before they leave home. Visitors insurance gets you peace of mind and medical care if you need it when you are traveling in unfamiliar surroundings.