In today’s global village people travel overseas and to different corners of the globe for different reasons. In this context, it is common to see people of different age groups traveling to the United States.
One of the most important things that they should be concerned is that of health insurance, commonly known as visitor medical insurance or travel health insurance as healthcare in the US is very expensive.
Paying out of one’s pocket even for a minor medical expense is unimaginable for a visitor who is visiting from another country and is new to the US and its culture and lifestyle. One never knows what can happen while you are outside your home country.
Many US insurance providers offer plans online and are making health insurance easily accessible to travellers by presenting all the relevant material on the web. These are many highly rated companies located in the US. US travel health Insurance plans are available in two categories which broadly classified as Fixed and Comprehensive visitor insurance.
In general, Fixed plans are cheaper than the Comprehensive, however the benefits are limited in a Fixed benefits plan when compared to a Comprehensive visitor insurance plan. It is always safer to choose a Comprehensive option that will cover any unexpected medical situation to the policy maximum.
There is a co-insurance factor that is applicable to a comprehensive plan. This is a small percentage amount ranging from 10 – 20% after the deductible is paid which needs to be fulfilled by the customer while the rest of the amount is taken care of by the insurance company.
This is usually applicable for the first $5000 of the expense which the insurance company pays 100% for any medical expense. You could review visitor medical insurance plans. Some plans waive this amount if the person seeks treatment inside the network (PPO Network) which is formed by a group of providers located in certain geographical area. Then we also need to consider the renewability option and plan maximum lifetime and the availability of the plan for a particular residential status.
Visit USA Health Care plan is a Comprehensive plan offered by the USI Travel Insurance Services provider and is available for Non US citizens visiting the US. This plan has a maximum lifetime of 364 days. This is available for your spouse and the dependent. The visit USA brochure of the plan details all the benefits and eligibility information.
Pre-existing condition coverage is available for $10,000 for people under 65 years while the benefits come down to $2,500 for travellers over 65 years. Here is an example of how Visit USA insurance plan works
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.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
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Since the outbreak of coronavirus travel restrictions are on constant review with changes which had no clear information on how and when the travel restrictions will be lifted. The US had restricted the entry for most of the non –US international travelers to the US from across the globe.
However traveling to the US is now looking positive for fully vaccinated travelers. The White House has announced that effective 8th November 2021, all non US air and land travelers who are fully vaccinated will be allowed to enter the US. Non-vaccinated travelers will be still restricted from entering the country.
The US would lift travel ban from 33 countries which includes 26 Schengen countries in Europe like France, Germany, Italy, Spain, Switzerland and Greece, Britain, Ireland, China, India, South Africa, Iran and Brazil. Travel ban still applies to all non-U.S citizens who were in those countries on the red list for covid-19 within the past 14 days of the travel date to the US.
All non US air travelers require to meet the vaccine requirements and produce proof of vaccination before boarding a flight along with a proof of a the latest covid-19 negative test report. International visitors entering via land border do not need produce a proof of the latest negative COVID-19 test report. The US will accept vaccines that are authorized by U.S.regulators or the World Health Organization.
This announcement has brought a relief for international travelers who could not meet family, friends and some who had their business links in the US.
Yes, all international travelers should consider buying travel insurance cover for safe and protected travel. Travelling long hours in a new country increases the risk for unforeseen medical and travel emergencies .During such times a travel insurance cover will provide coverage and save the insured from a huge financial loss.
Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared.
By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.
While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid19 coverage. 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 COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.