Visitor Health Insurance Policies -Save On Health Care

Written By: Ray Sandeo on July 28, 2010 No Comment

A trip to the United States means a lot of expense for visitors. If the visitor falls ill during a planned visit, then all travel plans may go awry. A good way to prepare for such unforeseen expenses is to buy a visitor insurance plan.

You can buy a visitor health insurance plan, which offers medical insurance for a limited period wherever you are visiting from. The typical period for which the insurance is valid is 12 months. However, if your stay is extended, then you can extend the insurance for up to 36 months.

You can eligible for the visitor medical insurance plan if you are an employee on deputation, coming to U.S. for training, going to a university to study, seeking new business opportunities, or just a tourist. If you are planning to migrate to the United States, the visitors insurance can be useful until you make more permanent arrangements.

US visitors insurance is available online and can be bought from anywhere in the world, not when you land in the United States. The best practice is to first complete the visa formalities, buy the ticket and then buy the insurance. The visitor insurance coverage cannot start before the visitor lands in the United States.

Visitor insurance plans can be purchased for a variety of plan periods, and can be renewed in most cases. You can also buy insurance for family members who might be accompanying you or joining you later in the U.S.

The typical visitors health insurance plan includes coverage for sicknesses and injuries during the stay in the US, repatriation of remains, and medical evacuation. Some of the conditions that are not covered are childbirth, and experimental medical treatments.

Scheduled benefit plans and comprehensive benefit plans are the two types of US Visitor Insurance plans. Scheduled benefit plans are cheaper than the comprehensive benefit plans and there is a limit for each type of treatment covered. For example, a plan with a $50,000 maximum limit may include a maximum limit of $2,000 for surgery and $500 for diagnostic services. Inbound USA and Visitors Care Insurance are some of the plans of this type.

The comprehensive benefits plan usually does not feature any limits, other than published usual, reasonable, and customary charges. Once the insured pays the deductible and the co-insurance, the visitor medical insurance plan covers the expenses up to the maximum policy limit. Some examples of this type are the Diplomat America, Atlas America, and Liaison International plans.

Ray Sandeo frequently writes about visitors insurance