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

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

Factors to Consider When Purchasing Visitors Insurance

Visitor medical insurance shields you from the financial burden when you or a visiting family member is hospitalized while visiting USA, or traveling to any other nation. Your domestic or home country health insurance policy will not cover outside the national borders of your home country. Parents who are visiting their close ones in USA or planning to stay for even a short-term in a foreign country can stay covered with an visitors health insurance. The period of visitors insurance coverage varies form five days to nearly a year. Tourists visiting the United States of America such as relatives or parents visiting USA, business persons coming to America, or anyone planning to visit outside home country needs to review the points below before purchasing visitors insurance.

When purchasing visitors insurance coverage, you should always consider many of the factors listed below:

  • The reliability of the insurance provider company. This is one of the foremost answers to seek for questions such as – Does it treat people fairly? Does it pay claims promptly? Does it have staff to answer your questions and resolve problems?
  • Deductible amounts. Most insurance policies require you to cover part of your health expenses yourself (your part is called the “deductible”), before the company pays anything. Under some policies the deductible is annual, and you pay only once each year if you use the insurance. Under others, you pay the deductible each time you have an illness or injury. In choosing insurance, you should think carefully about how much you could afford to pay out of your own pocket each time you are sick or injured and weight the deductible against the premium before you decide.
  • Co-insurance or copayment. Usually, even after you have paid the deductible, an insurance policy pays only a percentage of your medical expenses. The policy might pay 80 percent of all eligible medical expenses out-of PPO network. For example, the remaining 20 percent, for which you are responsible, is called the coinsurance or copayment. Thus, if you were injured and incurred $3,000 in medical expenses, a policy with a $0 deductible and 20 percent co-insurance would cover $2,080 (80 percent of $2,600).
  • Maximum coverage benefit. Most travel health insurance plans offer a choice of maximum coverage amount, but it is also limited by the age of the to-be insured traveler or visitor. It is always prudent to buy adequate coverage if one can afford the plan premium payment as having the required coverage helps to protect for the high hospitalization costs abroad. Also be aware that age groups over 80 years are usually offered a limited maximum insurance limit as noted in the plan brochure.
  • Fixed benefit vs. comprehensive coverage plans. Fixed benefit or scheduled benefit plans are a cheap and low-cost visitor insurance plan option, but offers limited coverage as specified in the plan brochure under the Schedule of Coverage section. The comprehensive benefit plans look expensive when just comparing costs, but also offer better coverage and cover all medical conditions that are not excluded up to the chosen maximum benefit amount.
  • Specific limits. Some policies state specific dollar limits on what they will pay for particular services. Other policies pay “usual” or “reasonable and customary” charges, which means they pay what is usually charged in the local area. Be very careful in evaluating policies with specific dollar limits; for serious illnesses, the limit might be far too low and you might have large medical bills not covered by your insurance.
  • Lifetime/per-occurrence coverage maximums. Many insurance policies limit the amount they will pay for any single individual’s medical bills or for any specific illness or injury. Exchange visitors must have insurance with a set maximum for each specific illness or injury, which may be enough for most conditions. Major illnesses, however, can cost several times that amount.
  • Coverage Benefit period. Some insurance policies limit the amount of time they will go on paying for each illness or injury. In that case, after the benefit period for a condition has expired, you must pay the full cost of continuing treatment of the illness, even if you are still insured by the company. A policy with a long benefit period provides the best coverage, this needs to be determined before purchasing visitors insurance.
  • Policy Exclusions. Most insurance policies exclude coverage for certain conditions. The J regulations require that if a particular activity is a part of your exchange visitor program, your insurance must cover injuries resulting from your participation in that activity. Read the list of exclusions carefully so that you understand exactly what is not covered by the policy before purchasing visitors insurance.
  • Pre-existing Conditions. Many insurance policies do not cover pre-existing conditions. If you arrive with a condition that will need medical attention, verify the pre-existing aspect of the policy that you are reviewing. Ensure clearly what is excluded before purchasing visitors insurance.

Visitor insurance factors for comparison of policies are easy to decide between by keeping these factors in mind. Be sure to consider the importance of buying a visitors health insurance plan for you and your family when preparing to travel to another country. No matter where you travel takes you, protect yourself and stay healthy with affordable visitor health insurance that allows you to feel confident that your health will be covered in a medical emergency in the US or any nation abroad.