Visitor Medical Insurance or visitors health insurance or health insurance for visitors are plans that offer visitors insurance coverage for emergency health and medical or dental expenses for the traveler visiting the USA or any other destination country. Adequate visitor insurance coverage is a necessity for medical protection of USA visitors during their stay in America or any other foreign location. Visitors to USA and other foreign countries can reduce the financial risk of unforeseen accidents, sickness, or medical emergency by purchasing visitor medical insurance. A good visitor health insurance plan is ideal for all tourists to US, and for parents, relatives and other family members visiting the United States (USA) or any other international destination.
Visitor Medical Insurance USA
There are basically two kinds of visitor health insurance policies available for visitors to the United States. These are the fixed scheduled benefitand the comprehensive coverage plans. The fixed benefit plan is low-cost, with this you are required to pay the deductible first and then the insurance company will pay up to the maximum amount for each benefit or procedure as listed in the schedule of benefits. The balance, if any, will then be paid by the plan holder.
On the other hand, the comprehensive coverage plan costs almost double that of the fixed benefit policy. The advantage of this kind of visitor insurance USA plan, however, is that it provides better coverage benefits. Here you are required to pay the deductible first and then the insurance company will generally pay 80 percent for the first five thousand and the plan holder will pay the remaining twenty percent, for a 80:20 co-insurance plan. After the five thousand in incurred costs, the insurance company will pay up to hundred percent of the maximum amount in the policy. Do note that different insurance companies will be providing their own version for the benefits so read the policy and the coverage details carefully and thoroughly.
Visitor Insurance Policy Types
Visitor Medical Insurance plans have been available for travelers for many years there are many plans underwritten by various insurance companies. Although there are several Visitor Insurance plans, one can classify them into two broad categories – Fixed Benefits Plans and Comprehensive Plans.
Comprehensive Visitor Insurance 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 visitors insurance policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure.
Comprehensive medical insurance for visitors typically recommend or require you to use the hospitals and doctors in the PPO network. The advantage of using hospitals and doctors within a set preferred provider organization (PPO) network include minimizing your co-insurance amounts as hospitals/doctors bill is paid out at pre-negotiated discounted rate.
Comprehensive coverage visitors medical insurance plans have relatively higher premiums, but in turn offer better benefits than the scheduled or fixed benefit coverage.
Comprehensive Coverage Plans
- Atlas America Insurance
- Patriot America Plus
- Liaison Choice Insurance
- Patriot Platinum Insurance
- Atlas Premium Insurance
- Liaison Elite Insurance
- Visit USA Insurance
- Patriot America Insurance
- Diplomat America Insurance
- Atlas Essential Insurance
- Patriot GoTravel Insurance
- Liaison Economy Insurance
- Diplomat Long Term Insurance
- World Med Insurance
Fixed Benefits Visitor Medical Insurance Plans
Fixed benefit visitor medical insurance plans are affordable low-cost 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 medical conditions and situations are detailed in the summary of benefits table in 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.
Fixed benefit visitor medical insurance policies have no network of hospitals and doctors; the insured is free to seek treatment at any doctor, clinic, emergency room, urgent care center or hospital of their choice.
Scheduled benefits visitor medical insurance 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
Visitor Medical Insurance Review
Visitors Health Insurance plans focus on providing cover for your medical expenses resulting from emergency illness or accidental injuries during your travel to any country. You can review, compare, quote, apply, purchase and/or buy visitors medical insurance plans online and you can specify the cover start date.
Medical insurance for visitors will also provide sickness or injury coverage for trips to a foreign country of residency from five days upto 3 years, and offer plans with many levels of insurance coverage benefits (maximum benefit range from $50,000 to $1,000,000 or more), various deductible levels (from $0 to $2500) and many options that can added (additional cover for hazardous sports, athletics, terrorism, etc).
Visitor Medical Insurance Features
Some of the commonly included salient features in visitor medical insurance plans are:
Medical Insurance for Visitors Overview
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Visitors Medical 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 visitor medical insurance policies require you to purchase a certain minimum time period (i.e. 5 days, 1 month, 3 months, annual 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 visitor medical insurance 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.