Visitor Medical Insurance

Visitor Medical Insurance or medical insurance for visitors are plans that offer visitors insurance coverage for emergency health/medical or dental expenses for anyone visiting USA, or for travel to any other destination country. Adequate visitor insurance coverage is an absolute necessity for medical protection of USA visitors during their stay in America, or in 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. Visitor health insurance is ideal for all foreign nationals who are tourists in the US, and for parents, relatives and other family members visiting the United States (USA) or any other international destination.

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.

VisitorInsuranceServices.com is your one stop for visitor medical insurance, visitor health insurance, and travel health insurance services. Quote, compare, review, and buy visitors insurance coverage instantly online – no medical check-up or paperwork is required.

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.

• 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 zip code, 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).

Currently, many visitors health insurance plans with comprehensive benefits include coverage for testing or treatment of coronavirus and COVID19 disease related to the global pandemic. Below are a few  visitor insurance COVID-19  compliant plans to review:

• Atlas America Insurance – Popular plan includes acute-onset or sudden relapse of pre-existing condition coverage for ages below 80 years. For ages 65-79 years, maximum coverage choices limited to $50K or $100K USD, with pre-existing condition coverage maximum limited to $50K or $100K.
• Patriot America Plus – Excellent policy has sudden relapse / acute-onset pre-existing condition benefits for ages below 70 years.
• Patriot Platinum Insurance – Best comprehensive plan for visitors to USA or other nations, includes higher limits and liability coverage also.
• Atlas Premium Insurance – High-end comprehensive plan for visiting USA or intl. travel, higher maximum limits with liability coverage benefits.
• Safe Travels USA Comprehensive – is a travel medical plan that covers foreign nationals (non US-citizens/residents) below 90 years age while visiting the USA, covers Acute Onset of Pre-Existing conditions up to the policy maximum below age 70 years, and offers one Well Visit use per policy.
• Diplomat Long Term Insurance – provides long term sickness and accidental injury coverage, benefits eligibility is for individual or family while traveling outside insured home country. The minimum period of coverage that can be purchased is 3 months, the maximum of 12 months, and offers renewable coverage to extend dates up to 3 years.
• Diplomat America Insurance – plan provides accident and sickness/injury for non-US citizens while traveling outside their home country to the United States. Coverage is available for primary insured, a second adult, unmarried dependent children, or even children traveling alone. The minimum period of coverage that can be purchased is 15 days, the maximum is 364 days, but the policy is NOT renewable.
• Safe Travels USA Cost Saver – is a primary accident/sickness medical insurance policy for foreigners up to age 89 years visiting the United States, also covers travel to other countries including the USA, plan is renewable up to 24 months, includes Unexpected Recurrence of a Pre-Existing Medical Condition up to $1,000.
• Atlas Essential Insurance – Basic comprehensive plan for visiting USA or intl. travel, lower maximum limits with affordable costs.

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.

Review and buy the best visitor medical insurance plan for visiting USA, featuring popular plans offering a wide choice of benefits or top-rated comprehensive visitors insurance plans at affordable premiums, or fixed visitor insurance coverage with low-cost rates.

Below are some of the questions frequently asked with the Visitor Medical Insurance plans. For more answers, please refer to Visitor Medical Insurance FAQ page.