International travel whether on a vacation, or to spend time with family, to study, or for work ...can be a lot of fun and exciting only when the travel and stay is efficiently organized. International travel health insurance
also known as Visitors Insurance is one of the important travel arrangements that one needs to have before traveling overseas. If visitors medical insurance
is not taken care of, the trip can become financially and emotionally stressful resulting in a bad experience. Having sufficient visitor medical insurance coverage for any unexpected medical emergencies is extremely important during international travel especially to countries like the US, where health care is very expensive and can become financially crippling. Another advantage of these visitor insurance plans is that they also cover non-medical emergencies like baggage loss, trip interruption...
Buying these visitor insurance plans is easy as these travel insurance plans do not need any medical documents or a health check-up and can be purchased online. However while there are many visitor insurance plans available online, there are also many details to consider with a lot of fine print, all of which can be very confusing. In order to make it simple for the visitor medical insurance buyers online, American Visitor Insurance
has designed an excellent quote compare tool. This visitors medical insurance compare
tool has an intuitive design to provide the required information and to compare price quote as well as benefits of different insurance plans.
The price of visitor insurance plans is mainly dependent on the travellers Age, duration of travel, policy medical maximum coverage as well as the chosen deductible value. Travellers can get quotes either for an individual or for their entire family. This tool has the ability to enter the age of each family member. Customers can include all travellers under one plan. Travelers can enter their age, their spouse's age and any dependent children’s ages. Travelers should also indicate if they are a US citizen or a Non US citizen. This information helps the tool filter the plans accordingly. Since these plans provide coverage for people traveling outside their home country, it should be noted that for US citizens, the United States is their home country. However, if US citizens permanently residing outside the US needing to visit the US for a short visit, we do have travel insurance for US citizens visiting USA.
After entering all the required information, in the compare visitor medical insurance
form, travellers should click on the "Get Quote" button to get the list of available visitor insurance plans. The available plans are categorised as two types namely Fixed benefits visitor insurance and Comprehensive visitor insurance. A detailed explanation on the differences between Fixed and Comprehensive plans
is also provided. Both the Fixed benefits and Comprehensive visitor insurance plans have coverage for acute onset of a pre-existing condition up to the age of 70, but for older travellers above the age of 70, only comprehensive plans offer coverage for acute onset of pre-existing conditions.
The benefits of the different insurance plans vary significantly both in terms of price as well as benefits covered. It is important to understand these differences and to look into specific plan details.
From the list of available plans, customers can select up to 4 plans for more detailed comparison by checking the "Add to Compare" checkbox below the insurance price. Customers can also edit the quote input that was provided earlier at the top of the page using the "Edit Quote" button. Travelers can also request a call from the 24 hours customer support by clicking on the green Phone button on the right corner of the display. Visitors can also click the message icon and email this list of available visitor insurance plans to an email address for later reference.For each plan displayed, customers can view the details about the plan Underwriter, the plan’s AM rating , the insurance provider, the insurance policy maximum validity, Preferred Provider network information, the renewability, the coverage for pre-existing conditions ...
For fixed benefit visitor insurance plans
there is no co-insurance factor applicable, while for Comprehensive visitor insurance
plans, there is co-insurance factor applicable. This co insurance is the percentage amount that the insured will pay during the claim expense. Once the deductible is met, the percentage co-insurance is paid which is usually 20% or 10% of the claim expense up to the first $5000 of the expense. After crossing this amount, the insurance company will pay 100% of the expense after the deductible.
Along with all the details for each plan is a weblink to the detailed policy brochure of the plan. Another link is given which navigates you to the details page of the product. After reviewing all the available plans, comparing details, the customer can make the final decision of buying the travel insurance plan which is most appropriate to their specific requirements.
In brief, this visitor insurance comparison tool has been designed to provide all the relevant information with an intent to help the customers make right choice.