Vellore Jaishankar No Comments

Visitors Insurance, buy from India or USA?

If your relatives or parents are traveling from India to USA, a good question asked by many is whether to buy visitor insurance from India or from USA. The answer is not simple and many factors are needed to be considered before making an informed choice. At first review, many Indian-based insurance companies may present a considerable cheaper visitor insurance India quotes for a plan with same specifications; however, several other issues are necessary consideration when purchasing visitor medical insurance from an Indian or other foreign based company.

To help you navigate and make an informed choice of where to buy – India or USA, a review of the the important considerations when selecting visitors insurance are discussed below:
1. Coverage Acceptability: The prime reason to purchase a good visitor insurance for elder relatives or parents visiting USA is to have the necessary benefits and features accepted and available for use at USA based hospitals, emergency rooms, urgent care centers, physician doctor clinics or other care giver settings. If this fundamental acceptability is questioned or disputed by these healthcare providers in the case of out-of-country plans such as Indian visitor insurance, you might have to run pillar to post to prove the credibility. American visitor insurance plans are widely accepted by providers in the US and worldwide.
2. Regulatory Jurisdiction: This is a very important consideration in the event of a disputed claim. The insurance regulatory environment is not developed in India compared to the United States, whereby you as an aggrieved consumer might not get the necessary support from Indian insurance regulators, whereas US-based insurance providers are fully regulated and any claim related disputes are handled as set by rules. Further, Indian insurance regulations might not be able to protect your rights as an insured when you are traveling in a US jurisdiction. A USA based insurance company can be a better choice, since it is regulated by robust and time-tested U.S. insurance regulations.
3. Limited benefit plans: Most of the Indian visitor insurance providers offer limited or fixed benefit coverage visitor insurance plans, whereas USA based plan providers feature comprehensive coverage with a choice of plans to select from.
4. Cashless Direct Billing: With India based plans, a USA based hospital or doctor mostly do not recognize foreign insurance plans for treatment or care received in the United States. As such, cashless direct billing feature typically included in USA based plans is not available in India based plans, and you might be required to pay upfront and file the claim later with your insurance provider in India for reimbursement. However, claim processing in India is very slow and inefficient due to administrative and other difficulties, leaving you waiting a long time to get your money back.
5. Customer case and support: If you need immediate assistance with regards to confirming your enrollment or even if a certain procedure or condition is covered or not, connecting with customer support of an Indian insurance provider might be difficult as many do not offer 24/7 support which is further limited by different time zones. Being in the US time zone helps as doctors or hospitals can quickly get the question answered and confirming your policy. This could further delay care at the time of need.
6. Plan Renewability: USA visitor insurance plans can be renewed online prior to expiration, and most Indian insurance providers do not offer renewable policies. It is very important to renew the insurance plan if your parent or relative extends his or her stay in America.
7. Policy Cancellation: USA based plan are generally cancelable prior to expiration due to valid reason such as a family members return to India earlier than anticipated. Many Indian plans are not cancellable or refundable, leading to losing the premium costs incurred to purchase the policy.
8. Company Experience: Many of the US based visitor insurance providers have been offering the same plans for decades, they have built tremendous knowledge with regards to the plan features, claims handling, customer support. On the other hand, Indian insurance providers are relatively new to the field, they might not be able to provide you with comparable support.

With a through review of each of the above mentioned points, it is prudent and strongly recommended you to purchase a reputed USA-based visitors insurance for travel to USA. VisitorInsuranceServices.com has several comprehensive coverage and cost-effective plans that allow you to enjoy your visit while traveling outside home country, and provide the necessary peace of mind knowing that you are protected for costs encountered during travel medical emergencies.

Vellore Jaishankar No Comments

How Much Visitor Insurance Coverage to Buy

You have friends, relatives, or parents visiting you in the United States of America, or you yourself may be planning a visit outside your home country. You are also well aware that your current domestic health insurance policy will most likely not cover visitors medical costs for injury or sickness while traveling to any country across national borders. But the risk of health emergency needing urgent hospitalization and the need for access to health care does not go away, on the contrary, there is an increased need as visiting individuals and families travel more and hence the risk of any medical calamity increases. This solidifies the reason for buying visitor insurance coverage for parents visiting USA or for relatives traveling outside home country.

Need for Visitor Medical Insurance for Visiting USA

Now that we are clear on the message of why we need to buy visitor medical insurance, let us dig further on what type of visitor health insurance plan to choose and how much visitor insurance coverage maximum benefit to actually purchase to be adequately protected. There are broadly two types of visitor insurance policies, the low cost fixed or scheduled benefit plans and more affordable comprehensive coverage plans. The fixed benefits plans as their name indicates limit the costs that will be reimbursed for each medical condition as set forth in the schedule of benefits table in the policy brochure. On the other end, comprehensive coverage policies do no typically limit coverage amounts specifically for most medical conditions, and usually offers coverage up to the plan maximum selected at the time of purchase. Generally, senior parents falling in the 50 years to 70 years age bracket typically need the features of a comprehensive visitor insurance plan such as Atlas America Insurance or Patriot America Plus. Budget conscious travelers who cannot afford the premiums of comprehensive plans can fall back on fixed benefit plans to offer them the required protection for medical bills and health risks.

Buy Visitor Insurance for Visiting USA

Coming to amount of coverage to purchase, this is totally based on the visitors risk profile and how much can they weather in the event a medical emergency. Another point to be factored in this the costs of hospitalization, even for a day or two, and how fast medical and related costs can ramp up typically in a dire health scenario. No one can accurately says this much is enough or that much amount is too high, but a visitor to the USA could typically select USD 100,000 maximum benefit. If your budget permits a higher premium amount, higher maximums are available with the Patriot Platinum America plan offering up to USD 8 million coverage. Also, by selecting a higher deductible amount, visitors can typically lower the upfront quoted premium costs.

Visitor Insurance Services can help

VisitorInsuranceServices.com has many visitor insurance coverage plans from several providers based in the US that offer a wide range of options and featured benefits. Compare visitor medical insurance plans and find the best-suited policy for yourself or parents/relatives or any family member and enjoy a worry free visit to USA.

Vellore Jaishankar No Comments

Visitor Insurance: Get Plan Quotes and Buy Coverage Online

If you are planning to visit USA or travel across national borders to any overseas destination anytime in the near future, you need to make sure that purchasing a visitor insurance plan for the entire duration of stay outside your home country is of utmost priority and should be at the top of your planning list. In life, there is hardly anything that counts more important than your health, or even the health of a family member such as relatives or parents visiting you, or the traveler could also be a business partner who needs to visit America for a short-term duration.

Visitor Insurance Plan for Visiting USA

When considering to purchase a visitor insurance plan, consider the expertise of an insurance agent from VisitorInsuranceServices.com. There are many visitor insurance providers that offer a bevy of travel medical and visitor health insurance plan offerings, you want to make sure that the policy you select includes all the features that you require and also within your set budget. Many insurance provider companies offer comprehensive visitor insurance plans that include health coverage along with other types of added travel benefits that is included in the same policy.

Visitors Insurance Coverage for Visiting USA

It also makes sense to review specific plans for specific types of travel circumstances, such as policies for visitors to USA, international students, guest workers, leisure travelers, etc. Be sure to find out if the plan will cover your specific circumstances and the visa type you are traveling under. Also check if the visitor insurance coverage policy may include any required coverage such as for complications in pregnancy, coverage for your children, or treatment for pre-existing conditions during an acute or sudden relapse. If you are going on a long trip, you may also consider a visitor insurance plan that offer access to preventative check-ups and possibly dental or mental health coverage.

Buy Visitors Insurance for Visiting USA

Before final purchase of any particular visitor insurance plan, make sure you understand all the fine print and details abould plan exclusions and policy features as stated in the schedule of benefits. Also make sure that the plan covers all the visiting countries, along with list of providers who will honor the insurance in case of a medical emergency. Make a note about set maximum amounts for medical evacuation and treatment needed for severe accidents or routine illnesses. Finally, determine if the third party plan administrator is easily reachable if you need to communicate, even across national borders, various time zones, or different language barriers.

Vellore Jaishankar No Comments

Parents Visiting USA, Buy Visitor Medical Insurance

For parents visiting USA from India, the most vital decision that they make, or their children make on their behalf, is the decision to buy a visitor medical insurance plan for the duration of stay in America. Many relatives, in-laws or parents visiting USA for the first time, and even later on subsequent visits, and they may have been waiting for the day to travel to USA to be with their children and/or grand kids living in America. In all the excitement surrounding your parents visit and their travel plans, and the packing and planning that goes along, it is important to not forget to purchase visitor medical insurance for USA also. No matter how much you and your parents may have anticipated or decided on things, you are not completely prepared until you have a visitors medical insurance papers also packed and ready along with your passport and other important paperwork. Visiting the USA can be lots of fun, but there are many challenges if you are an elderly traveler, as with age comes the need for proper medical care at the right time of need.

Visitors Insurance for Parents Visiting USA

There are lot of different kinds of coverage available for parents visiting USA that can be taken additionally. To justify the need for visitor insurance for parents, one must always consider all eventualities, such as if you are in an accident when in a car or tripping on a slippery pavement leading to a fracture or even a routine flu that you get requiring some medical attention, or some more serious medical emergency should something happen. Discussing and finding out more about these situations is not a negative way of thinking, but rather helps you and makes you better prepared in an efficient way to buy a policy that offers the coverage benefits to stay medically protected.

Visitors Insurance for Relatives Visiting USA

Family members of visitors to USA, who are living in America, can also make purchase of visitors insurance for relatives visiting USA online using a credit card on behalf of their relatives or parents visiting USA. The purchase process on VisitorInsuranceServices.com is simple and easy online, just taking a few minutes to complete the application and purchase. Anyone can complete the purchase process of visitor health insurance online for themselves or on behalf of anyone, and all this can be done from anywhere across the globe and at any point of time. The plan coverage an begin as early as same day or the next day if the visitor is already in the U.S., or any future date selected per the travel schedule. Upon purchase, a sytem generated email with all the policy details along with links to the customer access portal, print policy papers, ID cards etc, will be instantly available.

Best Visitors Insurance for Parents Visiting USA

Below are the plan suggestions based on age of relatives or parents visiting USA:

Age below 70 years, best insurance for parents visiting USA

Ages 70-79 years, best insurance for parents visiting USA

Ages 80+ years, best insurance for parents visiting USA

Vellore Jaishankar No Comments

Parents visiting USA need Visitor Medical Insurance

Parents visiting USA? Get a visitor medical insurance plan for accident & sickness coverage in the United States or for travel to any foreign country on the way. Visitors traveling to USA from foreign countries arrive every year for several reasons. Parents or family members of expatriates or new immigrants living in USA request their family in a different country to visit their children and grandchildren regularly. Senior parents from different continents undertake international travel for visiting USA and other foreign nations frequently to meet their relatives or close friends. Also, pensioners just after retirement, finally find the leisure time to explore foreign countries. People also visit America to escape the harsh weather in their home country. This highlights the case for buying visitors insurance for parents visiting USA.

Visitors Insurance for Parents Visiting USA

Medical insurance for visitors to USA are framed keeping some of the most common medical requirements of the visitors or new immigrants in the US. Some of the common risks covered under visitor medical insurance plan are coverage for hospitalization expenses, injuries while on the road, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment, and much more while in America. However, most of the insurance providers will not cover the pre existing medical conditions of the travelers, however certain plans only offer acute onset coverage from pre-existing condition and ailments. Even with all these restrictions and exclusions, buy visitors insurance for parents visiting USA is a must as these plans help any parent guard against high medical costs in the visiting country.

Visitors Insurance for Relatives Visiting USA

Healthcare costs are high in the US and Canada and this is something that visitors often ignore. Visitors medical insurance is important and should be considered when one visits America. For a relatives or parents to have a happy stay in USA or any nation overseas, be it to the US, Canada or any other foreign destination, it is advisable to purchase visitors insurance for parents visiting USA. Health risks are common to everyone. Older parents visiting USA, senior citizens and pensioners going abroad quite often encounter unexpected accidental injury needing medical care or other health ailments while traveling. Buying visitors insurance for parents visiting USA, accidental injuries or other common ailments that visitors to USA experience are covered under these plans.

Best Visitors Insurance for Parents Visiting USA

Below are the best visitors insurance for parents visiting USA. Review the plan suggestions based on age of relatives or parents visiting USA:

Age below 70 years, best coverage options for visiting USA

Ages 70-79 years, best coverage options for visiting USA

Ages 80+ years, best coverage options for visiting USA

Vellore Jaishankar No Comments

US Visitor Health Insurance for Visiting Parents

An US visitors health insurance plan needs to be purchased for your parents visiting USA, since relatives who are immigrants and visitors to USA are not eligible to for local USA health insurance plans. Also, a proper insurance plan helps maintain the legal status and validity of the U.S. visitor visa of your parents or any other relatives visiting USA. These plans are a great help in case of any medical emergencies and claiming is a very easy and simple process.

To buy a right USA visitors health insurance plan can be a tough task with so many companies targeting around you with their insurance products that are difficult to understand. It is advisable to seek help from online guides and insurance agent at VisitorInsuranceServices.com so that you do not end up selecting a wrong policy later. There are various things that one shall have to consider like deductibles, coverage, benefits, PPO network, exclusions, etc. Read the policy document carefully and ensure that unexpected events are met with. Benefits associated with a health insurance plan for parents generally include intensive care, hospitalization expenses, surgery, ambulance services etc.

It is a wise option to buy a short term US visitors health insurance plan from a insurance provider company of USA rather than the visitor home country, despite the fact that the premium from the former is more expensive than the latter, because many doctors and hospitals in the U.S. are reluctant to accept overseas insurance ID cards, since processing their bills from them can pose administrative hurdles and other difficulties.

Buying the right visitor medical insurance for yourself or parents visiting you not only helps them stay safe on the foreign land but also keeps your worries away. VisitorsHealth.com  provides a range of visitor insurance plans to suit varied needs. Their short term US visitor health insurance and visitor insurance plans prove to be an asset when you are on a foreign land. Thus, it is important to find a visitor insurance plan for your parents well in advance to ensure that your parents have a pleasant experience in USA or anywhere overseas.

Vellore Jaishankar No Comments

Visitor Medical Insurance for Indian Visitors to USA

Each year, many Indian citizens visit America for many reasons such as visiting theire sons, daughters who live and work in the USA. Many more people from India come to America as short term visitors on a holiday trip to visit USA and travel around America along with sightseeing and adventure trips around America. A lot of older parents and in-laws or other relatives and friends just come to America to be with thier grand children during their retired life. All these folks from India need visitors insurance India which are US visitors insurance for parents policy as the domestic medical insurance plan bought in India will not be helpful in terms of sickness/injury protection in USA. The healthcare system in America is high cost and the insured travelers from India can happily stay in USA without worrying about the financial burden when any health related emergency or accident happens in America.

Visitor Insurance for Indian visitors to USA

The private visitor insurance India provider companies offer a host of visitor insurance USA plans to satisfy the needs of persons visiting USA from India. Travel medical insurance for visitors from India is developed by reputed visitor health insurance companies based in North America. The Indian visitors in USA need short term visitor insurance India policies that best suits their needs for their age group, and one can compare the quotes of these plans and choose among them to make a purchase instantly online. The compare tool developed by VisitorInsuranceServices.com is user-friendly and helps visitors from India to decide which visitors insurance coverage plan to pick and choose the best visitor insurance or low-cost visitor insurance for Indian visitors traveling to America.

Visitors Insurance USA for Visitors from India

Visitor insurance India providers offer multiple visitors medical insurance to choose from that cover Indian visitors travel outside India. The visitor insurance for Indian visitors to USA is exactly the best solution and seekers can conveniently compare various visitors insurance plans online and choose the right plan that suits their specific needs for their visit to USA.

Visitor Insurance USA for Travel from India

Visitor health insurance for visitors from India visiting USA provides coverage for general benefits like hospital medical expenses, emergency evacuation, medical reunion, common carrier death benefits, repatriation of mortal remains, accidental death and dismemberment, etc. while in the USA. Also, certain visitor insurance USA for visitors from India plans offer coverage for visitors to USA from India with acute onset or relapse of certain pre-existing conditions, there are certain restrictions and exclusions, this can be reviewed in plan brochure online. This feature is essential for relatives or parents visiting USA as the basis for medical underwriting is the doctors reports that is routinely ordered from the physician who has treated the insured in USA.

Below are the Visitor insurance India plan suggestions based on age of visitors to USA:

Age below 70 years:

Ages 70-79 years:

Ages 80+ years:

Vellore Jaishankar No Comments

Why Do You Need Visitors Health Insurance Coverage?

For visitors to USA or travelers to America from India, or anyone visiting outside home country, a single day in the hospital can cost thousands of dollars. The financial risk you take without visitor health insurance just is not worth it. Not only does health care coverage help you stay worry-free in USA or another nation abroad, it also gives you added security and peace of mind, because you know you’re protected against the high cost of unexpected medical bills.

Importance of visitors insurance coverage

In a world that’s constantly changing, one thing for certain for your travel to the USA or Canada. It is important to have visitors health insurance coverage you can depend on and visitors medical insurance coverage that is designed to help fit your budget, your requirements, and your way of life. Unforeseen medical expenses from accidents and sicknesses incurred during a foreign or US visit can be covered by visitors health coverage plans.

Visitors insurance plan benefits

Normally, visitors insurance plans provide benefits for hospitalization coverage, visit the outpatient, surgery, and prescription drug costs. Visit U.S. Department of Health to obtain more information about health care in the United States of America.  We assist you to get visitor health insurance quotes for free, and help you better understand the visitor medical insurance terms adopted and used  in the insurance glossary and insurance guide.

Best visitors health insurance for visiting USA

Below are the plan suggestions based on age of visitor to USA:

Age below 70 years, best plans for visitors to USA

Ages 70-79 years, best health coverage for visiting America

Ages 80+ years, best medical plan options for visiting USA

Review and buy visitors insurance

Visitor Insurance Services work with many insurance companies confidence and allow you to compare visitor health insurance plans, get a free instant quote online, review coverage options and benefits, read the plan brochure information, check out the ratings and ranking, and finally buy a visitor medical insurance policy that best suits your needs.

You are in charge of your health, your travel plans and your budget, and our visitors health insurance plans help keep it that way. We still offer a wide range of visitor health insurance options as unique as you are. And if you have any questions, please call us at 1-877-778-4562, or visit https://www.VisitorInsuranceServices.com/, we’re here to help you find the best visitors medical insurance that exactly needs all your needs.

Vellore Jaishankar No Comments

Visitors Medical Insurance For Parents Visiting USA

If you or your parents, in-laws or other elderly relatives are planning to travel to the United States of America or Canada, then you need to review best and buy good quality, affordable visitors insurance. The health care services and medical expenses for treatments in developed countries such as the US are very high. Hence, it is all the more important for visiting parents to obtain visitors medical insurance coverage to ensure that suitable cover for medical emergencies well in advance, saving your parents from getting into financial hardships due to medical bills and hospital charges in the event of admission into a emergency room or the in patient ward of a hospital.

Why buy visitors medical insurance for parents

Planning is essential while buying visitors health insurance for parents, and it is advised to purchase the same when the entire trip has been planned out along with getting the visitors visa and buying airline tickets. Forgetting or avoiding to buy visitors medical insurance for parents can later because a problem, with the risk of an uneventful hopitalization in the visiting country. This can cause unnecessary financial hardship and worries even for the host family abroad. A visitors medical insurance plan needs to be purchased for your parents since immigrants and visitors are not eligible to for domestic US health insurance plans. It is also advantageous to maintain the legal status and validity of the visa of your parents while visiting aboard with a good visitor insurance plan, which is of great help in case of any medical emergencies and claiming is a very easy and simple process. Visitor insurance plan benefits for parents include hospitalization expenses, intensive care treatment, in-patient surgery, hospital ward admission, ambulance services, medical evacuation, etc and lot more. Take time to read the insurance plan brochure policy document to understand the schedule of coverage and plan exclusions.

Process to buy visitors medical insurance for parents

The process to buy a correct visitor insurance plan for relatives or parents can be quite a task even for many folks living in any other nation. There are so many visitors insurance plans with insurance terms and insurance industry references that can be a hard to comprehend. By seeking the help of online visitor insurance guide and an resourceful visitor insurance agent, one can navigate the maze and pick the best visitors medical insurance for parents visiting USA.

Popular visitors medical insurance for parents

Some of the popular visitors medical insurance for parents which offer excellent coverage benefits in USA.

The best visitor insurance plan suggestions are as follows:

Age below 70 visiting USA

Ages 70-79 years visiting USA

Ages 80+, visiting USA

Vellore Jaishankar No Comments

Visitor Health Insurance for Parents Visiting USA

Visitor health insurance is a short-term plan that individuals or families purchase before visiting USA or while traveling in another country. This type of short-term visitors insurance policy is ideally suited for elderly relatives or senior parents visiting USA. Most insurance plans from your home country cease to be effective outside home country borders, and these plans will not offer coverage for medical bills incurred while in USA or any foreign destination. When visiting USA by parents or relatives traveling internationally, they are confronted with this difficult scenario if an accident or an injury occurs outside home country. If you or a family member is injured or does suffer from a serious medical condition while in America or another foreign country where health care costs are high, it could get difficult for many to have the funds readily available to pay the medical bills out of pocket. To protect oneself and family members from such risks, it is prudent to buy visitor health insurance for parents visiting USA coverage for entire duration of travel stay in America or outside home country.

There are several visitor insurance plan offerings that offer top-notch coverage available at reasonably quoted premium cost. Any short duration travel to USA or outside home nation warrants purchase of adequate visitor insurance coverage because the premium paid will be worth more due to benefits and features available for the protection of the individual health, should a medical emergency due to sickness or injury arise. Visitor health insurance for parents can be purchased by anyone on behalf of anyone else or themselves, and this type of policy is frequently purchased for parents or family member or friend who are visiting USA or traveling to different country. This investment in visitor health insurance for parents visiting USA is well worth it as it protects your loved ones during travel and stay.

Visitor Insurance Services has several plans from top rated US-based insurance providers that offer the best rates on visitors insurance online. Travelers and visitors to USA can review to compare all available insurance plans to pick the policy that offers the best coverage options and meets your specific requirements. You can access the quote and buy page of the selected plan along with brochure, links for doctor hospital networks if it belongs to a PPO network. Also available is access to visitor insurance FAQ pages with helpful resources in case you have questions about the policies and terms you come across. By making a fully educated purchase of visitor health insurance for parents visiting USA, you ensure a worry-free and protected travel and short-term stay for them here in America or elsewhere.

Below are are the plan suggestions based on age of relatives or parents visiting USA:
Age below 70 years, best coverage options for visiting USA

Ages 70-79 years, best coverage options for visiting USA

Ages 80+ years, best coverage options for visiting USA