Visitor Medical Insurance >> Visitors Health Insurance

Visitors Health Insurance

Traveler's Age   Traveler’s spouse age   (if reqd)   Max coverage reqd $25,000 or less $50,000 $51K to $100K $101K to $499K $500,000 $1,000,000   Coverage Period months days   Country of Citizenship Non US US

Visitors Health Insurance - Review

Visitors Health Insurance plans focus on providing cover for your medical expenses resulting from emergency illness or accidental injuries during your overseas trip. You can review, compare, quote, apply, purchase and/or buy Visitors Health / Medical / Travel Insurance plans online and you can specify the cover start date.

Visitor Health Insurance policies will support foreign trips outside home country of residency from seven days to 2 years. Medical/Health Insurance for Visitors offer plans with many levels of insurance coverage benefits (maximum benefit range from $50,000 to $1,000,000), various deductible levels (from $0 to $2500) and many options that can added (additional cover for hazardous sports, athletics, terrorism, etc).

Visitor Insurance - Plan / Policy Types

Visitor Insurance - Fixed Benefits Plans

These policies are characterized by various benefit limits for each type of covered medical expense. These benefit limits typically are not the same as the policy maximum.

For example, a policy with a $50,000 maximum limit may feature up to a maximum of $2000 for surgery, up to a maximum of $500 for diagnostic services (X-rays, scans) etc. The maximum amounts for different situations are detailed in the policy brochure.

Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses. You will be responsible for all charges in excess of the fixed benefits offered for each type of medical service.

There is no network of hospitals and doctors; you can go to anybody of your choice.

Scheduled Benefits Plans have the lowest premiums, but the consumer must be aware that the benefits offered are relatively limited as compared to the Comprehensive Coverage Plans.

Fixed Benefit Plans - Examples

• Inbound USA
• Visitors Care
• Inbound Immigrant Insurance

Visitor Insurance - Comprehensive Plans

Visitor Insurance policies typically do not have benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way up to the policy maximum (less deductible and co-insurance).

Typically for all covered medical expenses during the policy period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses up to the policy maximum.

The details for each Visitor Travel Medical Insurance policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure.

Comprehensive typically recommend or require you to use the hospitals and doctors in the network. The advantage of using hospitals and doctors include minimizing your co-insurance amounts as hospitals/doctors bill at a pre-negotiated discounted rate.

Comprehensive Coverage Insurance Plans have relatively higher premiums, but in turn offer better benefits than the Scheduled.

Comprehensive Plans - Examples

• Atlas America Insurance
• Patriot America Insurance
• Liaison International Insurance
• Visit USA Healthcare Insurance
• Diplomat America Insurance
• Diplomat Long Term Insurance
• World Med Long Term Insurance

Visitors Health Insurance - Things to Consider

• Plan Type: Fixed benefits vs. Comprehensive.



• Maximum Coverage Type: Plan Life vs. Per Incident.



• Deductible Type: Plan Life vs. Per Incident.



• Shortest Initial Policy Period: Some policies require you to purchase a certain minimum time period (i.e. 7 days, 1 month, 3 months etc.) to start the policy. Make sure the shortest initial coverage period for the plan is less than the desired period of coverage. Most plans that require 3 month up-front purchase will permit monthly renewals after the initial 3 month purchase.



• Renewal Feature: If you are not certain about your return date, then consider a plan that supports renewals. The advantage of renewing an existing policy over purchasing a fresh one after the expiry of the first one include, no fresh co-insurance/deductibles and illness/injuries incurred during the first period of coverage not being classified as pre-existing conditions for the extension.



• Good network of hospitals/doctors: Each plan uses a unique network of hospitals / doctors / clinics / laboratories in your local zipcode, so it helps to make there is good number of care providers close to the neighborhood where you will be staying in the United States / USA.

|  Visitor Medical Insurance |  Visitor Health Insurance |  Insurance Quotes |  Insurance Glossary |  Insurance FAQs |  Insurance Guide |  Insurance Feedback |  Insurance Disclaimer |  Insurance SiteMap |  About Us |  Contact Us |