Importance of buying visitors medical insurance when traveling to the US

Importance of buying visitor medical insurance If you are traveling to the United States, it is important that you buy good visitors medical insurance. While visiting the US is fun, being forced to go to an US hospital can be traumatic. Unlike some other western nations, the United States does not have universal health care and domestic health insurance plans are limited to US residents. As a visitor to the US, you have to pay for medical/dental services should you need it. While at first glance this might not seem like a big deal, but dig a little deeper and on seeing the cost of US healthcare you will realize the importance of getting visitors medical insurance when in the USA.

Medical care in the US is very costly and you might find yourself paying through your nose if you suffer from any illness or accident and are treated for the same in an US hospital. If you want to protect yourself from these high expenses, you need visitor medical insurance. You will be visiting the US to explore the country and culture, to catch its sights and sounds, meet family or for business, you do not want any expensive medical treatment to interfere with your visit.



Let's see why visitor medical insurance is a must while traveling to the United States
  • US witnesses a record number of visitors every year and it is imperative all of them take visitor medial insurance because the USA is a great country to visit but Its health care is very expensive.
  • A routine visit to a physician is not only costly but massively expensive.
  • Any serious treatment can cost you an arm and a leg. God forbid you need to undergo a surgical procedure in the United States and don't have a visitor medical insurance that covers this procedure. The question to ask is – Will you be able to afford it and what if you can't?
  • You will want to avoid a hospital stay. Don’t want to pay an obscene amount of money for your hospital stay straight out of your pockets, get visitor medical insurance. Beyond the medical expenses, there are other reasons for visitors to buy medical insurance.
  • Avoid the confusion of a new medical ecosystem:
    Which doctor do you go to if you’ve fallen sick?
    Who are the medical practitioners in the area you are currently visiting?
    Which are the hospitals?
    With a visitor medical insurance you don’t have to find answers to such question in a medical emergency.
    The PPO (Preferred Provider Organization) that most of these insurance products are connected to, help you out. There is a huge nationwide list of doctors, hospitals and service providers that is a part of this network, which recognize your insurance provider. If you want treatment just look up the names and approach the medical expert in your area.
  • Your money stays in your pockets
    Using the services of a medical provider in the PPO network usually means doctors and hospitals will bill the insurance providers directly. You enjoy cashless billing. And the result – You don't scrimp on your US holiday.
  • Lots of choices on offer – To suit your budget
    There are two types of visitor insurance plans to choose from:
Buyers can compare visitor medical insurance quotes from different companies and use an insurance product that works best for their needs.
Given all these factors, it makes immense sense for visitors to buy travel medical insurance. While you can buy visitor medical insurance from your home country, buying from the US makes more sense as the companies are more aware of the complexities of the US healthcare system and make it easier for visitors to get the treatment they are looking for. What's more, if you are unhappy with the services of an insurance company, you can get in touch with insurance regulatory authorities in the US.

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Review best visitors insurance for USA:

Age
Spouse Age
Start Date
End Date
Comprehensive plans  pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Maximum coverage#1
Deductible#2
Key Features Acute onset of pre-existing conditions coverage of $30,000 for visitors up to 69 years in USA. Details...
$33.79
PER MONTH
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Maximum coverage#1
Deductible#2
Pre-Existing Cover
Key Features Great coverage for a great price. Offers coverage for pre-existing conditions. Details...
$37.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features Always eligible for purchase no matter what age and how long a person has been in the US Details...
$42.16
PER MONTH
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Fixed benefits plans  have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Maximum coverage#1
Deductible#2
Key Features Covers Pre-existing condition upto Policy maximum. Most economical option with a $25k maximum and lowest deductible option. Details...
$38.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features High maximum available. Details...
$49.91
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features Pre-existing conditions covered as any other for persons under 70 Details...
$63.55
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features High maximums available for older individuals Details...
$63.55
PER MONTH
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#1  Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

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Visitors Insurance USA

  • Travelers to the USA from different parts of the globe can buy insurance offered by US insurance providers.
  • These plans can be purchased by US travelers, who are vacationing outside the US.
  • Insurance customers can compare different plans and buy them online.
  • These plans have better recognition in USA when compared to plans purchased in your home country.
  • The claims are settled in US dollars and for hospitalisation within the provider network, the billing is done directly to the insurance company.

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