Visitors can find comprehensive and limited health insurance plans for their travel to the US
By Chiranth Nataraj
Traveling to the United States or planning to take a trip to the country can be one of the most memorable experiences in life. So, getting travel insurance in the US for visitors is quite important when you are planning a trip. Here are a few things that you must keep in mind.
Coverage and type of plan
Visitors can find comprehensive and limited health insurance plans for their travel to the US. The comprehensive plans have better coverage, while the limited benefit plans have pre-defined limits on all the benefits. Therefore, no matter how many days you stay in the US, it is essential to get an insurance policy.
Depending on your health and travel needs, you can choose a plan to cover you during your entire stay. If you pick a limited benefit plan, make sure that you have enough money to cover your overall medical and hospital charges if you fall sick or get injured.
Read: Visitor insurance plan types: Comprehensive Vs limited plans (April 28, 2022)
The premium is calculated based on the age, length of stay, the deductible you choose, and the policy maximum. The higher the deductible you opt for, the lesser the premium you will have to pay. Moreover, age plays a crucial role in deciding the premium. Older people must pay more premiums than younger adults as there is a higher risk associated with older people. If a 20-year-old traveler pays $50 for a plan, a 65-year-old traveler maybe paying $200 for the same plan. However, choosing a plan with acute onset of pre-existing conditions does not change the premium. If you add optional coverage, you may have to pay a little bit extra.
Check the medical and travel cover
Not all travel insurance plans in the US for visitors are the same. Every plan is not going to suit your medical and travel needs. For example, some plans may cover the acute onset of pre-existing conditions, while some do not. In addition, some policies may offer coverage for baggage loss and personal liability, while some may not.
Before buying a plan, you need to determine your medical and travel requirements. Are you planning to go on remote hiking? Do you need emergency transportation services? Do you want flight cancellation benefits? Is there a possibility of severe weather in your destination country? Do you have a pre-existing condition? Once you know what you want, you can purchase a plan accordingly.
Know about the exclusion
Every plan includes and excludes a set of medical and travel benefits. When you choose a plan, you can always read the brochure and certificate of wordings to find out what is excluded from the policy. Generally, mental or nervous disorders, suicide or attempted suicide, self-harm, maternity or childbirth, abortion, AIDS, losses due to war, nuclear radiation, radioactive contamination, etc. are excluded from the list. Check the plan’s wordings before moving ahead.
Most plans have a PPO network in the US that allows members to choose doctors, hospitals, or clinics. Try to search providers that are listed close to your area. Most popular plans have negotiated rates for using providers inside the network. In addition to this, some plans can be renewed or extended. Find out whether your plan can be renewed or extended before it expires and how it can affect the coverage.
Read: What does Visitor insurance cover? (November 8, 2021)
If you a plan that covers acute onset of pre-existing conditions, understand how the plan will cover acute onset of pre-existing if you extend the policy versus if you purchase a new policy again. You need to keep certain points in mind so that it does not hamper your stay in the US.
Some plans come with extra coverage like adventure sports, accidental death, and dismemberment, return to home, crisis response, personal liability, and more. Depending on the activities, you can buy a plan accordingly. Not all travel plans may require optional coverage; hence take a close look at your itinerary, and then get a visitor travel insurance in the US.
Read: Why is visitor health insurance recommended for travel to USA? (October 7, 2021)
Traveling to the US does not require visitors to carry an insurance policy by law. However, without an insurance plan, things become unmanageable when you fall sick or become injured. Plus, your standard health insurance policy may not save you on an international trip. Thus, getting visitor insurance for the US appears to be a sound option. If you are worried about an insurance provider, check their site, reviews, and go ahead!
(Chiranth Nataraj is the founder of Visitor Guard. He has more than two decades worth of experience in developing insurance and technology solutions.)