Visitor Insurance – Visitor Care Insurance
For basic short-term international coverage, Visitors Care Insurance offers a plethora of options. With maximum benefits ranging from $25,000 to $100,000, and the deductibles from zero to $100, there are nine visitor care insurance plan options for applicants to choose from.
You can request Visitors Care insurance for any period from 5 days to 12 months, with a possibility of extension for another 12 months. The extension, however, will fall under a new policy, with new parameters such as deductibles and pre-existing conditions.
For all options of the Visitors Care insurance policy, the following benefits are offered, with equal coverage limits: emergency evacuation, return of mortal remains in case of death, incidental home country coverage for short in-between trips to the home country, and common carrier accident death benefit.
All Visitor Care insurance plans cover similar medical expenses. The difference is in the maximum benefit for each. Typically, charges related to ambulance and emergency services, doctor consults and visits, surgery, tests, prescription drugs, nursing, and physiotherapy are covered by all the visitor health insurance plans. Damage to the natural teeth also nets coverage in the Visitors Care health insurance plan.
In Visitors Care, you get fixed benefits. That means that each benefit has a predetermined coverage maximum, and if the costs are more than the insured amount, you must pay the excess amount.
Your visitor insurance policy usually covers new or hitherto undetected medical conditions and injuries. However, you cannot usually claim reimbursement for costs related to pre-existing conditions, wellness visits and maternity.
While it is not necessary to use a hospital or doctor within a preferred provider network, providers within the Preferred Provider Organization may be able to bill the policy directly, thus enabling cashless billing. Various resources, such as the Preferred Provider Organization link to locate a provider in the United States, or the Visitors Care Insurance online database for international health care providers, are available. Round-the-clock travel-related assistance is also provided and comes in handy in an emergency.
Visitor insurance policies are underwritten by reputed insurance firms. The underwriters for Visitors Care insurance are Sirius International Insurance Corporation (publ). A.M. Best rates the company A (excellent) and S&P rates the company A.
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Tags: Affordable Insurance, health, insurance, international travel, international visitor insurance, medical insurance, travel, travel insurance, travel medical insurance, visitor assistance, visitor care insurance, visitor health insurance, visitors insurance, visitors medical insurance
