Medical insurance for US visitors - An overview
There are several different factors while buying travel insurance for USA visitor
. Overseas visitors should compare fixed benefits and comprehensive visitor insurance plans
. Foreign visitors to USA should understand the concepts of deductibles
and Pre-existing conditions visitor medical coverage
An informed traveler will make the correct choice while buying tourist insurance in USA.
When should I buy travel insurance?
We recommend that you purchase your travel insurance after you have booked your flight and/or set your dates for travel. You should start the plan the day you leave your home country until the day you return to your home country. Keep in mind the "time" of the policy starting and ending will be based on Eastern Standard Time (EST). However, it is not always possible wait until your dates are completely set. If you must make your purchase before your dates are determined (say, because you are applying for a visa), you can make your purchase and then we can easily help you shift the dates of the trip. For short term travel insurance you can also cancel the policy for a full refund before the start date of the plan (that is not the case with trip cancellation insurance). Sometimes it happens that you forget to make your purchase before you or your visitor leaves home. This is also generally not a problem. Many companies allow you to make a purchase while mid-trip. Of course, anything that has already occurred (injury or illness) cannot be covered unless you had the policy in place before it happened.
How much does travel insurance cost?
The cost of travel insurance will depend on (1) where you are traveling to (coming to the US is more expensive than going anywhere else), (2) your age, and usually (3) the length of your trip. Within those parameters, if you are traveling to the US, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. A fixed plan is a lower cost plan because it only covers a set amount for each medical expense. The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to the US. That same person would only pay $30 for a comprehensive plan to go to Europe.
Can you buy travel insurance after booking a flight?
Absolutely! This is generally when we recommend that you make your purchase. However, we can always change the dates on a policy if that is needed. Shifting dates will take about a business day to get your documents updated and back to you. If you want to get a trip cancellation policy, the best time to make your purchase is within 10 days or so from your first deposit for your trip. This gives you the best coverage for your trip (including pre-existing conditions, if that is an issue).