Visitor Health Insurance
Picture this: You’re planning a long-awaited holiday to visit the United States. Maybe you’ve been before, or maybe this is your first time; either way, you’re excited and have put hours into planning and scheduling. The airline tickets are purchased, accommodations are booked, you’ve planned out some of the best tours and activities available in the area, and your bags are already packed. Every detail has seemingly been ironed out and you’re ready to jump feet-first into your American adventure; but have you taken a moment to think about how you will protect yourself in an emergency while you are overseas? Nobody ever wants to think of what could go wrong on a dream vacation, but taking the time to plan accordingly, and purchasing visitor health insurance USA beforehand could save you and your wallet from the high cost of any unexpected medical emergencies while abroad.
What is Visitor Health Insurance?
While traveling internationally is an exciting adventure, the fear of the unknown and being in a different country can certainly add an element of stress on travelers. While learning cultural norms and navigating a new city can be figured out relatively easily through pre-trip research, unexpected medical emergencies might prove more difficult to overcome. Purchasing visitor health insurance before setting off on your trip is the best way to ensure you and your family are protected and will allow you to relax, knowing that you are covered in case of an emergency.
Visitor health insurance is a short-term health insurance plan that helps pay for any medical needs that may arise while you are in the United States. The coverage begins as soon as you leave your home country and has a wide variety of coverage options; from simple doctor’s office visits for minor illnesses to refills of medication prescribed by your family doctor, to ambulance rides and hospital stays in the event of a severe accident.
Coverage can be purchased for anyone visiting the United States: business travelers, tourists, students, immigrant visa holders, non-immigrant visa holders, k visa holders or missionary travelers, and can be customized to the needs of the traveler. Plan premiums vary depending on a variety of factors such as the length of coverage, type of plan, age of the insured visitor, and plan deductible.
Is Short Term Health Insurance Worth It?
It’s no secret that when it comes to health care coverage, the United States has widely different policies and coverage options available to citizens and visitors compared to other countries around the world. The lack of a universal health care system means that if anyone needs to see a doctor for any reason, they will be faced with paying costly medical bills unless they are covered by some sort of tourist visa health insurance USA plan. These bills can easily range from hundreds to thousands, depending on the type of care that is needed. Dealing with large medical bills is a huge financial and emotional burden on anyone, however that stress can be multiplied for non-citizens, who must deal with their medical debt once they return to their home country.
While a basic visit to a doctor’s office for something simple like the common cold might not set someone back a great deal financially, any additional medications or further testing will have the bills quickly adding up. If the doctor needs to send a patient to a specialist, the initial appointment charge can easily be upwards of $250, or more depending on the services and treatments that are required. Even something as simple as getting a prescribed medication could result in hundreds of dollars out of pocket for someone who doesn’t have insurance to help offset the high costs of medications in the United States.
It is easy to see how protecting yourself with visitor health insurance is a great way to keep your travel costs from quickly doubling or even tripling because of a medical emergency.
Use of Visitor Health Insurance
Purchasing visitor health insurance is a quick and straightforward process and can easily be obtained through Visitor Guard®. Coverage options can be as basic or comprehensive as needed to suit the needs of each traveler, and the quote process is a simple way to ensure you are getting the coverage you need at a price you can afford for the duration of your visit.
Once you have purchased your short term travel insurance, applying your benefits is simple, and you will have a dedicated insurance company that is available to help if needed. You will be provided a medical id card with your information and the information of the insurance provider. If the plan you opted for follows a network, you can find a medical provider within the network of the insurance company, which can be done through the insurance providers’ website, or calling them directly. Your ID card will be presented to the medical office where you receive treatment; you may be required to provide additional personal information, so it is helpful to have your medical history readily available.
Most times, medical providers bill insurance companies directly, and as a patient, you may only need to pay a copay or deductible, depending on the level of coverage you select when initially signing up. This amount would only be a fraction of the cost you would be responsible for if you didn’t have insurance and will help save you from the burden of being completely responsible for any medical care you receive while in the United States.
If you find yourself wondering if short term health insurance is a good idea for an upcoming trip to the United States, consider the high cost of medical procedures that could require you to spend a large amount of money in the event of a medical emergency. Most people do not have hundreds of dollars available to spend on medical services, not to mention the time and stress of dealing with bills once you return home from your trip. Purchasing visitor health insurance takes only a few minutes and will allow you to travel with peace of mind, knowing that any medical procedures that might arise will be covered through a short-term health insurance plan.