Visit USA Insurance

Written By: Ray Sondeo on August 21, 2009 No Comment

by Ray Sondeo

Visit USA visitor medical insurance plans are suitable for individuals who travel to the US for various purposes. This visitor insurance policy covers for various emergencies and travel risks that could arise during the duration of stay abroad.

Coverage benefits typically include emergency evacuation procedures, accidents, illness, urgent medical assistance that may be required suddenly in case of serious medical disorders in a foreign land. Accidental death benefits and dismemberment coverage are also included in this visitor insurance policy. The visit usa healthcare insurance plan covers any sudden travel requirement that may arise during the duration of stay to Mexico or Canada or other US territories for a maximum of 14 days (2 weeks).

The Visit USA visitor medical insurance policy are eligible for new immigrants, and J1 and J2 exchange visa holders who travel to the US for studies, pleasure or business purposes.

The Visit USA visitor medical insurance plans are generally valid for a year and the coverage offered is quite beneficial at very nominal premiums. However, it is important to note that the Visit USA visitor health insurance plan cannot be renewed once purchased. To continue coverage beyond the original expiration date, the policy can be rewritten or repurchased for a fresh period during which you would require coverage.

Cancellation of the visit usa healthcare insurance plan is possible only before the start of the plan and a written request needs to be submitted. A small cancellation fee would be charged. Refunds would not be given after the start of the plan. Plan benefits can be claimed per illness or accident during the validity period.

Direct claims settlement facility is possible in case the insured gets treated via the PPO network associated with the Visit USA medical insurance plan. The hospital (under its discretion) can send the bills directly to the visitor insurance provider for the payment of medical expenses.

It is always a good idea to go through the terms and conditions and exclusions of any plan you purchase. Pre-existing conditions are not covered under this Visit USA visitors insurance plan. These refer to the injuries, illness or diseases that exist at the time or prior to the start of the plan.

Visit USA insurance plan offer optional hazardous activity coverage to cover sports activities normally excluded from coverage. Applicants can also choose to add to the basic accidental death benefit included in the plan.

About the Author:

Ray Sondeo often writes about Visitor insurance.