Visitors insurance is one of the best ways available for foreign nationals as visitors to USA to obtain health coverage and medical protection necessary, making their travel to America safe and worry-free. Travelers from any part of the world visiting USA must purchase insurance for visitors to USA to deal with the high cost of health care system here in USA. The US consulate recommends all travelers to the United States to purchase adequate visitor health insurance for USA visitors. The visitors insurance cannot guarantee financial assistance in every case, but a broad array of sickness/injury including medical emergency is covered during the duration of stay. US insurance companies have custom designed visitor insurance for USA visitors of all age groups and nationalities.
How Visitor Insurance Plan Works
Visitors who purchase visitor medical insurance while travelling to the USA need to be aware how the plan works. The visitors insurance plan purchased will be legitimate and would be good at any doctor or hospital in the US or anywhere outside the insureds home country. That said, it will be up to the doctor or hospital whether they will deal directly with the visitors insurance company or make you submit the visitors insurance claim. What could have happened is the client wished to have direct billing and no provider would do so. A call to the insurance company may have solved this issue. The refusal to direct bill could be for several reasons, but most likely because they will likely not have heard of the particular policy or IPA network of practitioners the client visited for care, since they likely do not get many non-US citizens or residents in their offices. However, they may have heard of the PPO network used by the company (we often try to point this out to our clients) and we are not sure if the client used these lists or if there were such providers in their area. Even after these actions, some provider may not want to do direct billing, in which case you can file a claim with the insurance provider.
Need for Visitors Insurance Coverage
When planning a trip to the United States, it is essential that USA visitors or international travelers to America have a qualified visitor insurance for USA plan in case of illness, medical emergency or an accident/sickness in USA. VisitorInsuranceServices.com offers many choices for short-term coverage with low prices, best benefits, in different coverage categories, all supported with extensive online resources and exceptional customer service.
Best Visitor Insurance USA
Below are the visitor insurance suggestions based on age of travelers visiting USA:
Age below 70 years, choice of insurance plans for tourist visiting USA
- Atlas America Insurance (up to $2 million)
- Patriot America Plus (up to $500K USD)
- Liaison Travel Plus Insurance (up to $5 million)
Ages 70-79 years, top insurance for travel to America
- Atlas America ($50K or $100K maximum)
- Patriot Platinum Insurance ($100K maximum)
- Patriot America Insurance ($50K maximum)
Ages 80+ years, best insurance for relatives/parents visiting USA
- Inbound USA Insurance (Plan J with $40K or Plan K with $70K maximum)
- Inbound Guest Insurance (Plan K with $60K or Plan L $100K maximum)