Save on Emergency Room Costs with Visitors Insurance

If you are traveling internationally for a short period of time, you may rationalize that you do not need to purchase visitors insurance because you will not be there long enough to need to make any wellness trips to the doctor. However, have you considered how you might pay for emergency room care? Injury and illness can strike at any time, and it’s important to be prepared for that possibility financially. To avoid the high costs of emergency room coverage, you will want to be equipped with a visitors insurance plan. According to MyOptumHealth.com, the average cost of an emergency […]

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Deducing the Meaning of Visitor Insurance Terms

When you purchase visitors health insurance for travel to the United States, you might be confused by all the insurance terms that you come across. This is especially true if you are purchasing health insurance for the first time. However, health insurance is quite simple to understand once you get a hang of how it works. First, if you fall ill when traveling in the U.S., you will probably visit a physician. Usually, the insurance portion kicks in after the expenses exceed a certain amount. This is basically to eliminate claims of very small denominations, which the plan holder can […]

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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. […]

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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 […]

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Visiting Parents More Secure with U.S. Insurance

Here’s another real story: Parents of a friend were visiting from India, and a group of them had gone to California. They both had international travel health insurance from a reputed Indian insurance company, and had no previously existing conditions. Little did they know what was in store. They visited Universal Kingdom on July 4, and the crowds and the sun put in extra hours. It was exciting and tiring. Most of them were exhausted, except for my friend’s father, who could not sleep. He had slight tremors, and very soon, the condition went worse, and they had to call […]

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My Parents are Together – Shouldn’t Their Insurance Be Too?

If your parents are visiting you in the United States, you may want to start exploring insurance options as soon as their plans are finalized. One question several children ask is whether they must purchase separate visitor health insurance and visitor medical insurance policies for each of them, or a combined policy. In most policies, there is no difference in price between the two options. So it really comes down to convenience. Having two separate policies provides your parents with more flexibility. If one of them decides to return early or extend their stay, it is easier with separate policies. […]

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Insurance Jungle: Conditions Regarding Pre-Existing Conditions

Whether you’re buying international student health insurance or visitor medical insurance, the insurance company will have some restrictions on medical conditions that the applicant already suffers from. However, it is important to understand the wording of such exclusions, as it might mean a difference between getting your claim approved and not. One visitors’ health policy may define a pre-existing condition as a condition that ‘would have caused a person to seek medical advice, or for which the applicant sought medical advice during the 36 months prior to the Effective Date of Coverage of the Policy.’ Another visitors’ health insurance plan […]

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Choosing the Right Insurance Company: Some Pointers

With so many insurance companies offering visitor medical insurance to the United States, and all of them at attractive prices, which one should you choose? What are some of the criteria to look for when choosing a policy? One of the things you want to check is whether the policy offers cashless settlement in the United States. That is, if the visitor falls ill and visits a hospital, will the insurance card be sufficient, except for excluded costs? With so many American companies offering visitor health insurance and medical insurance, it makes sense to go for a company that does […]

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When These Are Insured, Shouldn’t Your Trip Be Too?

The concept of insurance was initially applied to goods traversing long distances, so ships and their goods were the first to be insured. However, the concept soon caught on to include anything that was deemed valuable. Your health obviously is an example, which is why it makes sense to take out visitor medical insurance. If you look at any event that can cause a loss, there’s probably an insurance policy to cover it. Consider these weird policies if these can merit insurance, you must sign up for visitor health insurance! A London-based insurance brokerage firm has several people looking to […]

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My Parents Are in Excellent Health – Do They Need Medical Insurance?

Often, children of parents who visit the United States are thinking: My parents have no medical problems. Why do they even need international medical insurance? It’s precisely the parents who don’t have previously existing conditions who will benefit most from visitor medical insurance in case they fall ill. When preparing for a U.S. visit by your parents, they can either purchase insurance in the home country, or in the United States. From experience, you know that insurance purchased in the home country is, at best, mental insurance. If your parents do fall ill, forget cashless billing, even reimbursing expenses can […]

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