Traveling outside your home country is a novel experience to a lot of travellers especially if they are visiting their son or daughter in another country who has been overseas for some time. People might just want to visit their family abroad whom they have not met in a long time or they might just want to vacation outside their home country.
To make their visit memorable, it is important to ensure that all of their documentation is complete and that they have all that they need while they are outside their home country. Travel health Insurance commonly known as Travel Insurance or Visitor Insurance is one such high priority item that will put the traveller at ease, and something that he/she can rely in case of any medical emergency while in a foreign country.
There are many US insurance companies that sell travel insurance plans online. Do consider these important factors before buying an insurance policy
as they determine the price and benefits you get after buying insurance. The most factor among travel health insurance
plans are Fixed/Limited benefits and Comprehensive
visitor insurance plans.
Visitor Secure health insurance
plan is a Fixed benefit plan offered by WorldTrips
. This is an economical
and affordable health insurance plan that travellers can readily buy for any minor injury or sickness and is suitable for a short trip for Non US citizens visiting the US. The plan is classified as plan A, plan B, plan C and plan D based on the policy maximum amounts they provide.
The policy maximum amounts available for people from 14 days up to the age of 69 are as below:
- Plan A - $50,000
- Plan B - $75,000
- Plan C - $100,000
- Plan D - $130,000
Each plan have their own fixed deductible amount that vary from $0 to $200 as suggested in the visitor secure insurance brochure.
For people under the age of 69 this plan covers acute onset of pre-existing conditions up to the policy maximum except Plan D which provides $100,000 lifetime maximum for acute onset of pre-existing condition when the available policy maximum is $130,000.
This plan however does NOT cover acute onset of pre-existing condition for the age of 70 and above. The policy maximum available for the age range of 70 -79 are $50,000 and $75,000 only. For people above 80, this plan provides a policy maximum of $10,000 only. Here is an example of how the Visitor Secure insurance plan works