US visitor insurance for emergency & urgent care

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Urgent versus Emergency Care in US

Urgent versus Emergency Care in US

I get many calls from customers carefully reading fine print on policies asking about special deductibles for emergency rooms and limitations for emergency room coverage for persons not admitted into the hospital. To those customers, I would firstly say: Good job!! Reading the fine print is a very good idea and understanding it even better.

So I do not mind these calls in the least. It shows a very savvy consumer and I am more than happy to assist them in understanding these insurance terms and definitions.

To begin with an Emergency units are meant to attend serious and life-threatening health issues whereas urgent can be health issues which need immediate attention but they are not life-threatening. The issue is quite simply this: Emergency room costs in the US are ridiculously high.

A quick stay in one can cost over $1,000 without needing much in the way of medical care. It is because of this that insurers want to protect themselves from these costs (understandable, but it does tend to make some customers a bit nervous which is likewise understandable). Here’s the deal: if you are not in peril for your life, DON’T go to the emergency room.

There are many somewhat new medical facilities called “Urgent Care Centers” all over the US. This should be your first go-to in case of sudden medical issue (not life threatening) during hours that a doctor’s office is not open or you cannot get a timely appointment. So, when my kid has a bad ear ache and I know it won’t wait until Monday morning, this is where I go.

If I suspect I have a bladder infection at 6pm Friday night, this is where I go. Admittedly, you may not know how badly off you or your visitor is when you seek treatment. Certainly, the medical professionals at an urgent care facility will be able to call and direct you to a hospital/ambulance should the need arise. Furthermore, you or your visitor can receive medical care up until the moment the ambulance arrives.

Limitations on coverage are waived in the case of an injury. So, if someone is badly cut, for example, and they stitch them up in the ER and then release them, you will NOT be subject to limitations in coverage. It’s only in the case of sickness that coverage might not be there for a person who is not fully admitted into the hospital after being seen in the ER.

Now, to be clear, no one is expecting you to risk your traveler’s life. If a heart condition or something more critical may be going on, by all means call an ambulance and get to an ER as soon as may be as time is clearly of the essence. However, you should just be aware of these other medical facilities which often have triage units and can handle a more minor emergency possibly with less waiting time and less cost (to you and the insurance company).

As always, we wish you safe and happy travels wherever you may go!

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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Resourceful tourist insurance USA information

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Guide to buying the best international travel health insurance
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Travel insurance glossary

Commonly used international travel medical insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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General - FAQ's

01. Is travel medical insurance necessary?

Some of the countries have made it mandatory to have travel insurance before starting the travel. While the travel insurance takes care of the unexpected incident coverage travel plans extend their coverage benefit to cover emergency coverage in case of sudden recurrence of a pre-existing condition, repatriation, evacuation, trip interruption, baggage delay and loss which definitely makes a very necessary requirement for a traveler.

02. What are the benefits of travel insurance?

Travel insurance not only covers the unexpected incidents and injuries and takes care of the hospital costs, it also extends coverage for acute onset of pre existing condition, emergency evacuation, repatriation, trip interruption, trip delay, baggage loss or delay some of the travel insurance plans offer coverage for adventure sports.

03. Does travel insurance work in the US?

Yes. These travel insurance plans are from the reputed and popular private insurance companies in the US. These companies have been used for international travel for a long time now and has served many travelers over the years and have excellent rating and popularity.

They are associated with the provider networks in the US which are popularly known as PPO networks such as First Health network, United Healthcare, Coventry name a few.

04. Is insurance mandatory for US travel?

No, the US authorities do not mandate travel insurance for visiting the United States on a tourist visa. However considering theexpensive healthcare costs in the US international travelers will invariably not be able to pay out of pocket for unexpectedmedical incidents.

Most US residents depend on health insurance for their healthcare expenses, and international tourist shouldsimilarly ensure that they have proper travel insurance to cover the unexpected incidents.

Resourceful travel medical insurance information

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Travel medical insurance resources

Choose international travel insurance resources for travel outside your home country.

Factors for travel insurance

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Important factors to consider while deciding on the best travel medical insurance.

Types of visitor insurance online

Types of travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.

claims procedure

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

Covid19 travel insurance

Covid travel insurance

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Travel insurance for US citizens.
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Schengen Visa Covid19 travel insurance.
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Quarantine Travel Insurance
Trip delay and Quarantine coverage.
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Trip cancellation insurance
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New US Immigrant insurance
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Travel insurance for expatriates
Expatriate covid19 travel health insurance.
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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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