Here are four reasons why every traveler to the United States should buy visitors’ insurance policy.
Visitors from all over the world come to the United States because of its various attractions. It attracts people from all corners of the globe by offering a better quality of life and a plethora of opportunities to pursue a better future.
For that reason, the country is a dream destination for a majority of the people.
However, while visiting the United States feels magical, being pushed to attend a hospital in the country can be as traumatic as expensive. Hence, purchasing a visitor’s health insurance before booking the tickets to the US always becomes much more important, if not necessary.
What is visitor health insurance?
Visitor Health Insurance is a special type of insurance that covers most emergency medical expenses incurred by the visitor, while visiting the country for tourism, business, or temporarily for any other purpose. A visitor is defined as anyone who is not a permanent resident of the country; hence, the visitors health insurance is not offered by the government. Private companies usually provide this visitor health insurance plans to individuals or companies that are then charged on an annual, monthly, or daily basis.
Why is visitor insurance important?
For most people around the world, this can be confusing to some extent Healthcare in the U.S is not free. And it’s not only for the foreigners, it is the same for local residents as well.
In terms of expenses, an average hospital costs around $2,607 per day throughout the U.S., with California standing on top at $3,726 per day. Wyoming, the cheapest on the list, stands around $1,383. And in case you stay in bed overnight, it gets even costlier
These figures are alarming, even for families living in the US, just imagine how would visitors feel if they have to pay so much.
This happens since there are no standard systems that determine what a hospital should charge for a particular service or procedure — including the cost of diagnosis, hospital pricing, lab tests, X-rays, surgeries, and medications as well.
Nobody wants to pay such a crippling amount of money. Hence, health insurance is widely recommended in case you are traveling to the US.
Why is visitor health insurance a must in the US?
- Medical in USA is expensive: The first reason why you should definitely purchase health insurance while traveling to the USA is its expense. Like every other department, the medical and hospitals too are super expensive there.
- Avoid the confusion of a new medical ecosystem: The USA is a different country. You don’t have your family doctor there, ready to help you in case of an emergency. In such scenarios, the insurance providers can help you out. These providers have tie-ups with various PPO or Preferred Provider Organizations, which covers a great number of hospitals and doctors in their network. Thus, whenever there’s an emergency, you’ll just need to take a look at the list and get in touch with the medical help in your location.
- Avoid paying from your pocket: Typically, the doctors and hospitals in the PPO network can bill the insurance company directly. Thus, you don’t need to pay upfront and submit paperwork for reimbursement.
- Protect your whole family: Visitors health insurance policies can either be bought for yourself or include the whole family. Hence, you don’t need to worry about any illness or accident with your family members during your stay.
With this information, we hope you can make the most of your trip and explore new places without the worry of your health. You can also review a recent article regarding visitor insurance with COVID-19 coverage.
Furthermore, if you have any doubts regarding the above points, feel free to reach out to us to know more.
Read more from the author:
Traveling to the US? Here’s why you shouldn’t skimp on travel insurance! (June 25, 2023)
7 things to know before visiting the US in 2023 (January 23, 2023)
Bringing parents to the US from India for a visit? Here are the 5 things you should consider (December 26, 2022)
Is health insurance mandatory for international students in the US? (September 11, 2022)
What are benefits of choosing visitor insurance plan with a PPO Network? (January 26, 2022)
What does Visitor insurance cover? (November 8, 2021)
Why is visitor health insurance recommended for travel to USA? (October 7, 2021)