Visitors Insurance for USA
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.