Visitors Insurance for Travelers to USA

Individuals or groups who are traveling outside their home country or country of citizenship can consider these insurance plans- regardless of whether they are on tourist visas, for business, immigration, or as international students.

Medical tourism refers to individuals traveling abroad to get medical treatment. Typically, individuals from less-developed countries travel to medical centers in developed countries for treatment that could not be provided in their home country. Individuals who have long waiting periods for a planned surgery also fall back on medical tourism which sometimes is cheaper and faster at a medical facility in another country. Visitor Travel insurance can provide emergency medical coverage for injuries and illnesses arising after the policy is in effect and which are not linked to a pre-existing condition. If you suffer an unexpected illness or injury on your journey, the policy can cover the cost of ambulance transportation, medical treatment, hospital accommodation, medical evacuation, and repatriation if required. 

However, these plans will not cover medical tourism.

Yes, non-US citizens can buy health insurance. The health insurance plans of Visitor Guard® offer coverage outside your residence or country of citizenship. Based on your destination country, Non-US citizens along with US citizens can get a quote to compare the various plans available and select a plan that meets their requirements.

You can buy the foreigners travel insurance plans before or after the start of your trip. The duration of these plans can be anywhere between five days to three years. Most of our foreigners’ health insurance plans include direct payments to certain hospitals and doctors. So you can even enjoy a cashless transaction while visiting a care center in the US. Foreigners can buy these affordable plans based on the amount of coverage they prefer. These plans cover unexpected medical costs if some sudden accidents or illnesses occur.

Simply answer the questions above and get a quote to review the various options available and then purchase a travel medical insurance online. If you have any doubt, contact our agents and claims administrators.

As a visitor to the US, it is not mandatory to buy travel insurance. However, with high medical costs in the US, you can be at risk of losing an enormous amount of money even for a minor injury. To avoid any unexpected financial burden due to your medical conditions, it would be best to buy a visitor’s medical insurance.

The USA is one of the most expensive areas in the world in terms of medical treatment. You might have to pay an extensive amount just for consultation and minor or routine treatment. Illnesses and injuries rarely come with a warning. If you want to avoid any unfavorable situations, it is best for you to get a good plan that meets all your requirements before you visit the US.

There are various options available for visitors to choose from. Learn the difference between a fixed benefit and a comprehensive plan and how these plans meet your requirements. Comprehensive plans like Safe Travel USA Comprehensive, Patriot America Plus, Atlas America, and fixed benefits plans like Visitors Care are some of the popular plans to compare.

There is no one-size-fits-all when it comes to medical insurance. Go through the coverages of these plans and choose the one that covers all your needs and preferences.

Most travel insurance plans provide coverage for medical emergencies (doctor visits, hospitalization, surgery, intensive care, as well as new prescription drugs) up to the pre-determined limit, along with evacuation, repatriation, trip cancelation, lost luggage, and even trip-interruption benefits. Depending on the plan, trip cancelation and preexisting conditions may be covered.

No, there is no age restriction in travel insurance policies, these are for foreigners to the US up to the age of 99 years. However, the amount of coverage you get through the policy might vary according to your age. And the coverage of acute onset of pre-existing conditions are valid up to a certain age, like 70 years.

Travel insurance covers the medical illnesses and injuries that occur after the effective date of the policy. These travel plans provide inpatient as well as outpatient benefits including coverage for hospitalization, intensive care, urgent care or office visits and even prescription drugs. Many travel insurance plans include coverage for an acute onset of a preexisting condition. Repatriation and medical evacuation are mostly included there, though some plans offer an option to increase the amount of medical evacuation cost limits at an extra cost. You can decide the policy maximum or the upper limit of the benefit according to your preference and budget.

Whether you are a first-time international traveler or a seasoned traveler who has visited the USA many times before, there’s always a chance of an unexpected travel setback due to a medical illness or injury. In these cases, Travel Insurance for USA can serve you as a financial pillow for medical coverage along with travel assistance if needed. You can benefit from health insurance if you are a USA tourist or parent visiting family in the US, an international student on F or J visa, or traveling for business.

It depends on the travel policy, but you can opt for a policy that covers trip cancelation if you want. Plans like the “Safe Travel USA Trip Protection” can provide you coverage for trip cancelation. People eligible for this plan have to be non-US citizens traveling to the USA and other foreign countries from their home countries, and they have to be below the age of 80 years. Safe Travel USA Trip Protection policy provides coverage for trip cancellation, trip-interruption, emergency medical, and post-departure travel protection. It includes a pre-existing medical condition waiver. While applying, you can even opt for the optional upgrades like emergency accident and sickness medical expenses, AD&D, athletic sports coverage, and home country/follow-me-home coverage. It Provides complete trip protection for the cancellation of trip costs for up to a maximum of $25,000, and the trip-interruption benefit covers 150% of the trip for up to a maximum of $37,500. The policy covers up to $1,000,000 in primary emergency medical coverage.

It is always recommended to opt for insurance from the USA rather than from India or other countries while visiting. The hospitals and care centers are familiar with the network and insurance providers of the USA, and they can easily send the bills directly to the insurance company. So you can enjoy a mostly cashless payment procedure, and hence less hassle.

The US insurance companies are more familiar with the medical cost and needs, so they design the policies for the maximum benefit of the visitors from India to the US. Be it for younger or older travelers, the US insurance companies have a wide range and choice of policies for all kinds of needs and preferences.

Visitor’s insurance is not under the Affordable Care Act (ACA) compliant. And benefits like preventive care, pre-existing conditions, and maternity coverage are typically not included in this kind of insurance. However, there are plans that provide some benefits for the acute onset of certain pre-existing conditions, and cover the complications of pregnancy in the first 26 weeks. Review your certificates carefully or talk to our agent to clarify all your doubts.

Most travel insurance to the US does not cover pre-existing conditions. But, there are also many health insurance policies that cover the acute onset of pre-existing conditions like high blood pressure, diabetes, heart attack etc. Clarify with your agent beforehand to ensure you get the coverage for the condition you are looking for.