Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions coverage.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
Know more »
I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
Know more »
I am pleased to say that your company is very professional in the field of Insurance.
The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
Know more »
Visitor health insurance plans for international travelers are available online and are offered by many US based short term travel health insurance providers. These visitor health insurance plans are broadly classified into two groups namely Fixed benefits and Comprehensive visitor insurance plans.
Fixed benefits visitor insurance plans:
Fixed benefits visitor insurance plans are also known as Scheduled Benefit health insurance plans and are cheaper and affordable travel health insurance plans. They are economically priced which makes them attractive to some travelers. But, before deciding to buy a fixed benefit plan or scheduled benefits plans, it is advisable to know the risks involved in purchasing Fixed benefit visitor insurance.
People usually think of buying health insurance as just a that assures them medical insurance cover. Individuals buying health insurance for travel often forget the expensive health care costs in the US. This eventually can become a nightmare in case there is an incident that incurs hospitalisation. If people keep this in mind while purchasing insurance then they would have a second thought before buying fixed benefit travel insurance plans.
Fixed plans or scheduled benefit health insurance provide limited coverage as their benefits are capped. There is a fixed amount specified for every benefit and the plan pays exactly that amount. If the expense goes beyond that specified amount, then that expense has to be paid by the insured. Fixed benefit plans do not extend their benefits flexibly to cover the cost incurred by an individual and it is therefore always advisable to buy a comprehensive plan.
Fixed Fixed benefit travel plans make very bad choice for people who need coverage for acute onset of pre-existing condition. As mentioned earlier, the fixed plan provides very limited coverage for acute onset of pre–existing conditions. Another difference between a Fixed/scheduled insurance and Comprehensive plan is that there is no co-insurance factor in a fixed plan.
They might work well for a minor medical expense, but insurance should always be bought keeping the worst case scenario in mind, where it is nearly impossible for an individual to handle the medical expense out of their own pocket. Given the limited nature of coverage, the fixed benefit travel plans however do provide higher policy maximum for people above the age of 80 years when compared to comprehensive plans.
Comprehensive visitor insurance plans: On the other hand comprehensive benefits insurance plans are the more preferred travel health insurance plans. They can be safely recommended to visitors traveling outside their home country especially to the United States, the country known for its expensive health care cost.
Comprehensive plans are comparatively expensive than Fixed/scheduled insurance plans. But is definitely worth the price, as they cover all the benefits flexibly up to policy maximum without capping to a specific amount. They have a co-insurance factor that is applicable for the first $5,000 of the expense incurred. This is usually 10% or 20%. Once the expense goes beyond the $5,000, the insurance company pays 100% for all the rest of the upcoming expenses.
These plans provide a good policy maximum coverage for people below 80 years of age. Above 80, the plans provide policy maximum ranging from $10,000 to $20,000. Most of these plans are one time deductible plans and per policy period plans. These are the most suitable and recommended travel medical insurance plans for any major medical expense.
While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. The recent variant Omicron and Delta Plus is considered highly infectious than the previous variants. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.
We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.
Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Yes. These travel insurance plans are from the reputed and popular private insurance companies in the US. These companies have been used for international travel for a long time now and has served many travelers over the years and have excellent rating and popularity. They are associated with the provider networks in the US which are popularly known as PPO networks such as First Health network, United Healthcare, Coventry healthcare...to name a few.
Definitely, one can travel to the US on a tourist visa without travel insurance, however it is very important to have travel medical insurance as it can be financially suicidal being admitted to an US hospital without any insurance. The healthcare costs in the US are extremely high and good travel insurance will put your mind at ease during your international travel.
No, the US authorities do not mandate travel insurance for visiting the United States on a tourist visa. However considering the expensive healthcare costs in the US international travelers will invariably not be able to pay out of pocket for unexpected medical incidents.
Most US residents depend on health insurance for their healthcare expenses, and international tourist should similarly ensure that they have proper travel insurance to cover the unexpected incidents.
There are many travel insurance plans offered by reputed US insurance providers with several medical maximum coverage and deductibles options as well as differing coverage for acute-onset of pre-existing conditions.
Choose international travel insurance resources for travel outside your home country.Explore »
Important factors to consider while deciding on the best travel medical insurance.Explore »
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.Explore »
Travel medical insurance online claims process for getting medical care in a hospital.Explore »