Why Do U.S. Visitors Need Insurance?

One of the most often-asked questions by visitors to the United States is: Why do I even need visitor health insurance, if the plan will no cover pre-existing conditions? The only coverage I really need is for my hypertension, isn’t it? Actually, coverage is needed for more than just pre-existing conditions. As a matter of fact, pre-existing conditions are probably better managed by the plan holder, since they have been detected. It is the sudden illnesses and injuries that really need to be covered. Consider a family whose parents are visiting the U.S. from India. Their trip to the U.S. […]

Read more »

Pack Your Visitor Insurance Before Travel

Flights from different parts of the world are full of vacationers this time of the year. Baggage is packed with homemade delicacies and other “authentic” stuff from home, as international travelers travel around the world, often visiting relatives abroad. One thing many people fail to pack is visitors health insurance. This is a popular season for traveling to the U.S. from India. Many visitors travel around the country, but fail to realize that a single medical incident can wipe out their savings, or that of their near and dear. The healthcare system in the U.S. is very different from that […]

Read more »

Insurance Helps U.S. Visitors Make Smart Choice

When travelers think of a trip to the United States, there are usually two reactions, both of which have to do with visitor health insurance. Do any of your friends or relatives think this way? A person either thinks that if he/she falls ill, then the cost of healthcare will wipe out their finances and so, a trip to the United States is not a good idea. At the other end of the spectrum are people who believe that positive thinking will work wonders, and that nothing will happen to them; so they travel to the U.S. without any protection. […]

Read more »

An Insurance in Time Saves You From Shocks!

When Peter Davidovic entered the United States to visit the country, he didn’t think about getting any visitor medical insurance. He was in the prime of life, and had traveled widely before. There was no way he would get ill, he figured. Peter’s trip was only for a week, and he thought he might be able to get back home on time even if he did fall ill, by some chance. He only purchased accidental death and dismemberment coverage. It’s not that Peter fell ill; it’s just that he was on the receiving end of a particularly gruesome accident. Since […]

Read more »

Buying Insurance Online: Separating the Wheat from the Chaff

So you’re ready to visit the United States, and have also decided to purchase adequate visitors health insurance for your trip. You search on Google, and tons of results come up. How do you actually go about purchasing visitors health insurance? The first way you can go about it is by contacting individual insurance companies. If you are currently outside the United States (which is probably the case), then you will find it extremely difficult to keep in touch with so many companies. The other more common and less complex way is to purchase insurance online. Several Web sites that […]

Read more »

Buy Low-Priced Insurance to Avoid High Sticker Shock!

Parents of U.S. citizens often ignore the need for visitors’ health insurance when visiting the United States. If a parent has made a couple of trips to the United States with insurance and has not made a single claim, it might be very tempting to forego insurance on a forthcoming trip. The risks, however, are too huge and real to take. Let’s take the imaginary case of Mr. Paul Belowski. He figures that with his heart ailment, he might not be able to get coverage for any ailment, and goes without insurance. He ends up with an eye infection, something […]

Read more »

Choices Galore for Visitor Health Insurance

Your mother is planning to visit you for a few months in the United States, and fortunately, visitor health insurance is on your to-do list. What kind of insurance and coverage, must you buy? There are a plethora of visitor medical insurance plans available. You can either go for fixed benefits plans, also called scheduled benefits plans, or comprehensive plans. Fixed benefit plans offer a predetermined amount for each medical expense, depending on the usual and customary expense associated with it. In comprehensive benefit plans, on the other hand, allow for most expenses to be covered up to the maximum […]

Read more »

Care for Yourself During Visits with Insurance

When you have dear ones visiting the United States or Canada, it is important that they apply for a visitor�s medical insurance policy. There are many policies with different benefits and premiums and one should explore all of them before deciding on the policy most suited to your visitor. One such policy is the Visitors Care policy provided by IMG. It provides coverage to anyone visiting the United States or Canada from any other country. The period of coverage is one year and there are three benefit maximums -$25,000, $50,000 and $100,000. There is a choice of deductibles: $50 or […]

Read more »

Pre-Certifying Medical Care Under Insurance

In most visitors medical insurance and travel health insurance policies, there is a requirement for pre-certification (for medical necessity) in case of hospitalization or surgery. Pre-certification is basically a permission you need to obtain�written or oral�from the insurance company before a said procedure is performed. This is a tool used by the insurance provider to control unnecessary medical procedures. In addition to hospitalization and surgery, some insurance providers insist on pre-certification for outpatient procedures also. Please read the document carefully before purchasing the policy. Before a medical procedure is performed, your representative, doctor or hospital is required to call up […]

Read more »

Spellbound: Unraveling the Mysteries of Insurance

If you hear terms related to visitors health insurance policies and they sound like “Expelliarmus” you’ve come to the right post! Insurance terms are really not as bad as the Harry Potter spell that disarms opponents with a jet of light! Let’s look at some common terms that are related to checks that you will probably write. The main involved in any insurance policy is the premium. Premiums refer to periodical amounts paid to purchase the insurance policy. Premiums vary according to the plan duration and age and health condition of the individual. The next cost the insured might have […]

Read more »