Visitor Health Insurance for unexpected injury and accidents. Travel insurance for accidents.

Travel Medical Insurance for unexpected injury and accidents

On Oct 1st, 2017 there was a massive shootout in Las Vegas, USA. As a result of this shootout 59 people were killed and around 500 people were injured. One gunman from a nearby hotel in the Las Vegas strip fired thousands of rifle rounds on a large crowd of concertgoers on the Route 91 Harvest music festival on the Las Vegas strip. On January 2020,USA identified its first case of Coronavirus infection.

In just few months USA became the hot spot of the pandemic with millions of death. The unexpected surge caused a historical disaster to humankind. These incidents serves as an example of a massive unexpected accident causing injury and even death to visitors due to unexpected illness who were visiting the United States.

International travel health insurance plays a big role in such situations where the medical treatment for the injured can be extremely expensive and can be prohibitive to pay out of pocket. Millions of visitors come to the USA annually for different occasions and Las Vegas is such a famous and popular desirable tourist spot that everyone living both within the US and outside the US would like to vacation there.

This incident has raised concerns for people coming to the US from neighboring countries like Canada where they are started paying more attention to US visa medical insurance options before starting their trip to the US.

There are numerous private insurance companies available online providing Travel Health Insurance also commonly known as Visitor Health Insurance to visitors coming to the US that insures them for unexpected sickness or injury. They are broadly classified as Fixed and Comprehensive visitor insurance plans.

For a disaster of this magnitude that occurred in Las Vegas, it is always best to buy the Comprehensive visitor insurance plan as they provide extensive coverage with greater policy maximum options and flexible benefit coverage.

Comprehensive plans extend their benefit coverage to the policy maximum for all of the benefits provided by the plan. Most of these plans are associated with excellent healthcare provider networks like First Health network, United HealthCare, Coventry healthcare… which help in finding the nearby facilities near the area code which might be helpful in the payment of claims in case of direct billing facilities available with the insurance companies.

Companies like WorldTrips also have international provider networks available which is helpful when people travel outside their home country to other countries other than the US. Atlas Travel and the Atlas Premium plans from WorldTrips are very good comprehensive visitor insurance plans. Other popular company include IMG(International Medical Group).

Plans like Patriot Platinum and Patriot America lite are some popular comprehensive plans that can provide good coverage for major medical expenses. Their Global Medical plans are quite attractive as well among the expats and residents living outside US and people who wants to stay long term. These plans have pregnancy and maternity coverage as well with a waiting period of 10 months.

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What does visitor travel insurance cover?

local_hospital

Health care expenses

Covers hospital expenses for sickness or accidents.

person

Doctor visit

Insures Doctor visits for sudden injury or sickness.

medication

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

ecg_heart

Pre-existing conditions

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

ambulance

Medical evacuation

Medical evacuation expenses to nearest facility included.

procedure

Repat of remains

Repatriation of remains to home country included.

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General - FAQ's

There are two main purposes of US travel medical insurance. One is to insure the value of your invested cost in your trip in case something comes up which means you are not able to go on your trip. This type of insurance is called trip cancellation insurance or trip insurance.

Typically, you insure your trip for a certain amount (the non-reimbursable portion of your deposit) and the higher the amount, the higher the cost of the insurance. Some of these policies have a set limit on their amount (but they are consequently more economical). Some credit card companies offer insurance on what you purchase with your card (so airline tickets and hotel reservations, perhaps) and no more.

Most of these policies also cover you in case you are sick while you are on your trip or have to interrupt your trip for some reason (death in family back home, problem with home or business, etc). If you want health coverage while on your trip, be sure that the policy includes this (my own credit card coverage does NOT include this coverage).

There are also international health insurance for USA policies that cover you for sudden illness or accident while you are on your trip. If you cancel your trip, you can simply cancel them for a refund on your premium, but they will cover any medical expenses (after a deductible) while you are on your trip and also have some minor travel benefits, such as baggage loss and trip interruption as well.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

Travel medical insurance to USA is a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic.

Having USA health insurance for visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers are urged to buy holiday insurance to USA to have a safe sojourn outside their home country.

The main factor to consider is what is most important for you to have coverage for and what type of coverage do you need. Do you want trip cancellation coverage which will return the money you would lose on a trip should you have to cancel your trip due to health concerns, your job or jury duty?

Or do you want to be sure you have plenty of medical coverage while you are on your trip? Or do you want to be sure you can get a medical evacuation from a remote location where you are vacationing? Depending on your answers to those questions, you can choose a different “perfect” plan for each situation.