Travel insurance USA, USA tourist health Insurance, travel medical insurance for visiting USA

US travel health insurance for foreign tourists visiting USA.

International travelers to the US - An overview

Tourist visa health insurance for traveling to the US

Travel health insurance in the US even for short stays is strongly recommended given the high cost of US health care. US tourist health insurance is available for travelers of different age groups. US tourists can compare travel insurance coverage for America offered by different insurance companies and make an informed decision. Vacationers can review the different US tourist medical insurance plans based on their price and benefits and select a plan that best satisfies their budget and requirements.

US Travel Insurance - Frequently asked questions

Which is the best travel insurance for USA?

There are many US Travel insurance plans available for visitors in the online health insurance marketplace. They are mainly classified broadly as Fixed plans and Comprehensive plans. The best US tourist health insurance varies based on the unique needs of diverse travelers with several plans working well in different situations. Amongst the popular travel insurance in USA for visitors are Patriot America by IMG, Atlas Travel from Tokiomarine HCC, Safe Travels USA Comprehensive from Trawick International, Liaison Travel Choice plan from Seven Corners, INF Premier travel insurance all of which have excellent coverage.
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Can a tourist get health insurance in USA?

Yes, international tourists can and should buy travel insurance in USA. Given the extremely high cost of US healthcare, it is very risky to travel to the US without the best travel insurance for usa. International tourists can compare different tourist insurance plans online and then buy travel insurance for USA to get coverage as early as the following day.

How much does US travel insurance cost?

The cost of travel insurance in USA depends mainly on the following factors; The traveler’s age, the required duration of US tourist visa medical insurance coverage, type of US travel insurance (fixed benefits vs comprehensive coverage), any add on coverage, or the need for US travel health insurance for pre-existing conditions.

Benefits Comparison

Insurance covers the traveler for medical expenses, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment while outside their home country.
By using the comparison tool, customers can compare different plans based on the premium rates, benefit details, renewability options, PPO networks ...
With all this information, customers can make an informed decision, something that will otherwise take a lot of time and effort.

Are there any travel insurance policies in the US that cover pre existing conditions?

Yes. There are quite a few policies that will cover what is called “acute onset” of pre-existing medical conditions. That means, should you have some emergency due to a pre-existing medical conditions you can be covered for it. This coverage is fairly easy to find for persons under 70 years of age. Over 70 years there are only a few policies with this coverage and generally the coverage is less than the maximum of the plan purchased. However, there are still some options for older people. Note that the coverage for pre-existing conditions is also available for US citizens or green card holders when they leave the US and travel abroad. If pre-existing coverage is of particular interest you can ask our friendly staff for a recommendation. You can compare travel insurance for pre-existing conditions and buy the best coverage.

Is there a need to compare travel insurance USA online?

Not really, because we are here! American Visitor Insurance allows you to compare travel insurance for travel to Europe, Asia, the United States, just anywhere your heart desires to go! Can’t figure it out or have too many options? Just call us and chat with our friendly staff to help find the plan that fits your needs!

What are the factors to consider for US travel insurance?

The main factor to consider is what is most important for you to have coverage for and what type of coverage do you need. Do you want trip cancellation coverage which will return the money you would lose on a trip should you have to cancel your trip due to health concerns, your job or jury duty? Or do you want to be sure you have plenty of medical coverage while you are on your trip? Or do you want to be sure you can get a medical evacuation from a remote location where you are vacationing? Depending on your answers to those questions, you can choose a different “perfect” plan for each situation.

Why should we compare visitor insurance?

US Visitors Insurance plans offered by popular US insurance providers might seem similar on first impressions, since many of the visitors medical insurance plans have similar coverages and costs. However, in order to find the best visitor health insurance plan based on the visitors specific needs and to get the best coverage available, it is important to compare different visitor medical insurance benefits.

The following are some of the important factors to consider while comparing visitors insurance:

Type of visitor insurance (Fixed or Comprehensive): Fixed benefit visitor insuranceare cheaper when compared to the Comprehensive insurance planshowever they offer limited coverage when compared to Comprehensive plans. Normally, it is recommended to buy comprehensive visitors insurance as it offers exhaustive coverage with greater flexibility, however some travelers are looking for the cheapest option.

Policy Maximum: This is the maximum coverage that any plan would offer which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an emergency according to the policy conditions detailed in the policy.

Deductible: This is an initial amount that the traveler needs to pay before the visitors insurance actually starts to pay. The deductible options can range anywhere from $50 up to $5000 based on the plan. A larger deductible means lower premium price and vice versa. Picking a large deductible thus lowers the premium and choosing a comprehensive plan is usually recommended.

Pre-existing condition coverage: This is very important benefit factor as many customers need this benefit. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most comprehensive visitors insurance plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed benefit plans limit this coverage for travelers up to the age of 70 years. Very few plans do not have pre existing condition coverage at all.
Pre existing condition coverage is provided only for acute onset of a pre existing condition. There is only one company namely INF that offers plans providing full pre existing condition coverage.

Residential status: Many visitors insurance provide coverage only within the US. Some plans provide coverage worldwide. There are plans available only for Non US citizens visiting the US. There are plans where both Non US and US citizens living abroad are eligible to visit the US and claim coverage. There are plans where US citizens traveling outside the US are eligible. Comparing the plans to look for this factor is necessary before we purchase the plan and start the travel.

Sports and other unique activities: Some of the plans provide excellent sports medical coverage for hazardous sports and other adventure activities.

Based on these US visitors medical insurance factors, American Visitor Insurance provides a compare visitor insurance facility which is user friendly and helps visitors compare and buy the best US visitor insurance for their specific requirements.

International Tourists

The United States attracts nearly 70 million international visitors annually, which is the second highest recipient of international visitors after France. The highest source of international visitors to the US are its immediate neighbors, Mexico and Canada. The US however attracts nearly 5 million tourists from the UK. Other countries who send tourists to the US in large numbers are China, Japan, Germany, South Korea, France, Brazil, Australia, Italy, India, Spain and Colombia. International tourists visit the US to see its culturally vibrant cities with museums, bars and other entertainment venues. The country also has some incredible national parks that are home to amazing wildlife. The US being the world’s oldest democracy has many historic landmarks to attract visitors from around the globe. Other notable attractions for international tourists are its amusement parks, gambling casinos, golf courses, ski resorts, outdoor recreation opportunities and sporting facilities. Among its popular urban centers, New York City has the most international visitors, this is followed by Los Angeles, Orlando, Las Vegas, and Chicago.

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Corporate and Business related travelers

The US at over $19 trillion is easily the world’s largest economy. This large and sophisticated economy involves large number of business people from all over the world visiting the US on a regular basis. International business travelers typically visit the large US cities of New York, Los Angeles, Chicago, Houston, Phoenix, Philadelphia and Detroit. Cross border work related travel is also common along the US-Canada border and the US-Mexico border.

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Parents and visitors of immigrant communities

The United States is the land of immigrants and has had different waves of immigrants settling in the country. The US has immigrants from all over the world, initially from Europe and within the America's, but more recently also from Asia. These large immigrant communities in particular from China, Philippines, Vietnam and India often have parents and family members visit the US during the summer months. It is not unusual to see family members stay in the US for as long as six months at a stretch.

Snowbird tourists to the USA

Snowbird tourists is a term used to describe older travelers and retirees who come to the warmer states in the US during the long cold winters. Snowbird tourists are most often from Canada and usually come to the southern US states of Florida, Texas, California and Arizona.

International students in the US

The US is home to the world’s largest international student population. The country has nearly a million international students who choose the United States to broaden their education and life experiences. Nearly 4% of all students in higher education in the United States are international students, with the Chinese and Indian students being the largest international groups. Other large student groups include students from Saudi Arabia, South Korea, Canada, Vietnam, Taiwan, Brazil, Japan and Mexico.

Need for US visitor insurance

While visiting the United States is an amazing experience, being forced to visit an US hospital if you are uninsured can be traumatic. US healthcare costs are very expensive and it is very risky to travel to the US without travel insurance. International tourists are strongly advised to compare and buy US visitors insurance.

Travel Health Insurance for the US during the Flu Season

People travel to the US throughout the year from outside for various reasons. In the US, it is the season of Flu which starts at the beginning of the fall and will stay on throughout the winter. Doctors and providers encourage to get the Flu vaccine during this period for people living in the US. It can be a normal yearly routine for people living in the US.

As Flu can be highly contagious, vaccine is encouraged as a preventative measure. The flu vaccine also known as influenza vaccine protects people against the influenza virus. These vaccines are developed twice a year as the virus changes rapidly. These vaccines have antibodies to fight the virus which will usually show up within 2 weeks after receiving it. This vaccine is effective sometimes and sometimes it may not be effective for some strains of viruses. It is not mandatory but it is definitely recommended as a preventive measure.

Flu can be dangerous especially for people with heart problems, diabetes, lung diseases...as for the older people and very young children where things can get complicated or result in death from the Flu. There are some cases during some years, where people who are healthy without any existing health conditions , after contracting the flu virus have died causing an alarm.

People who travel to the US can buy the travel insurance which provides them sufficient coverage for unexpected sickness and injury. Travel insurance does not cover the Flu vaccine as it is considered as preventive care service, but covers the treatment provided in case the insured contracts the virus. Healthcare in the US is quite expensive to pay for medical expenses for unexpected sickness out of pocket. Travel Medical Insurance can certainly provide a great sense of relief for the visitor visiting the US from a foreign country. It is highly recommended that the travel insurance be purchased before the insured departs from their home country, so that they are covered for the unexpected from day one while they are in the US.

American Visitor Insurance offers several high rated travel medical insurance plans suitable for people traveling to the US. Comprehensive plans are the best due to their flexible coverage.