You are visiting the United States, which is an expensive visit. But a medical emergency during the stay can upset the entire planning and hike up the expenses for the stay. One way of ensuring that this does not happen 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 visitor insurance can be useful until you make more permanent arrangements.
You can buy visitor health insurance online from wherever you are and before you board the plane to the US. However, you should buy the insurance only after the visa formalities are completed and you have bought the ticket. The coverage cannot begin before you arrive in the US.
If any of your family members are visiting with you, then you can include them in the visitor medical insurance plan. If they are joining you later, they can be included in the plan too. You can buy the visitor medical insurance plan for a variety of plan periods that can be renewed in most cases.
Your visitor health insurance plan covers medical treatment for the following categories: injuries during the stay, sickness, medical evacuation and repatriation of remains. If you have a pre-existing condition, then that is not covered. Other conditions not covered are medical treatment for testing medicines and childbirth.
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.
A comprehensive benefits plan usually does not feature any limits, other than customary charges. Once you pay 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 US Visitor Insurance
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