Yes, tourists from Europe can buy travel medical insurance for USA. The tourist can compare different US travel health insurance online and then buy the best plan according to their preferences The coverage can start as early as the following day.
Comprehensive plans
Visiting USA can be an exciting adventure! Travelers from Europe to the USA can be categorized into several types, each with distinct motivations and preferences.
Visitor medical insurance is a short-term health insurance that provides medical coverage for illness and injury during travel or stay in the USA. It is a mandated type of coverage for foreign nationals who come to the USA temporarily, for any reason, business or personal. It can offer protection from accidental injury or sickness that can arise during the stay in the host country.
It can also provide financial protection in the event of an unexpected medical emergency while visiting the USA. The cost of visitor medical insurance varies depending on criteria such as the insured’s age and health needs, as well as the length of the trip to the USA. The typical cost of visitor medical insurance is between $200 and $400. It is easy to find the best visitor medical insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
Expensive US Healthcare: The United States has perhaps the best healthcare facilities in the world, but it is also perhaps the most expensive globally. The cost of an average daily hospital stay is over $2500 in the US. Even outpatient doctor visits are prohibitively expensive. It is financially very traumatic when a visitor travelling for a short visit to the US has to pay a huge bill in case of an unforeseen injury or illness.
Therefore it’s important to buy the best US travel health insurance, so that any sudden injury or illness expenses are covered by the visitors medical insurance. US travel insurance along insuring medical expenses of travelers will also reduce the medical expenses, as US travel insurance providers through their preferred provider organizations (PPO) network have a working relationship with hospitals which result in lower healthcare bills.
Protection for entire family: US travel medical insurance can be either purchased individually, or for an entire family if traveling together. Any illness or injury faced by the insured family members will be covered during the trip.
A support system for travelers in a new country: Traveling to a new destination like the US can be very stressful as the healthcare system will be different from your home country. If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor. Having US travel health insurance will act as a support system as the insurance providers have tie-ups with various Preferred Provider Organizations (PPO) who have networks with many hospitals and doctors in the US.
Ease of navigating US healthcare facilities: The hospitals in the PPO network of the US travel insurance will bill the insurance company directly so that travelers need not worry about paperwork and about paying the bill up front. In case of any emergency visitors can refer to the list of hospitals with the PPO network and get help from the nearest medical care center. Travel insurance for USA will help you make the most of the trip and explore new destinations without the worry of your health related expenses.
Traveling to the US is a thrilling experience for European travelers; however they should be aware of the very high cost of US healthcare and the importance of Travel insurance from Europe to USA . Unpredicted incidents can happen anytime and being forced to visit a US hospital is no fun and high medical bills can cause significant financial trouble. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. The cost of a routine physician's visit is significantly higher in the U.S., where it might be $176. The average treatment cost of acute kidney failure in the USA was over $22,000. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000.
While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for European visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance to US from Europe.
The cost of best travel insurance for USA from Europe ranges from $16 to $150 a month. The price varies based on several factors such as the age of the traveler, medical maximum coverage, deductible for the plan, coverage type (Fixed vs comprehensive coverage) and the coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Patriot America Plus | View benefits | $50k - $1M | $0 - $2k | $96 - $177 | Buy now |
Visitors Protect | View benefits | $50K - $250K | $250 - $5K | $490 - $736 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Atlas America | View benefits | $50K - $2M | $0 - $5K | $116 - $235 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Diplomat America | View benefits | $50K - $1M | $0 - $5K | $155 - $266 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Safe Travels USA Comprehensive | View benefits | $50K - $1M | $0 - $5K | $96 - $176 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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INF Elite | View benefits | $150K - $1M | $100 - $5K | $645 - $740 | Buy now |
INF Safe Traveler USA | View benefits | $150K - $300K | $50 - $5K | $186 - $206 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Visitors Care | View benefits | $25K - $100K | $0 - $100 | $25 - $54 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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VisitorSecure | View benefits | $50K - $130K | $0 - $100 | $44 - $80 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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Safe Travels Elite | View benefits | $25K - $175K | $0 | $24 -$ 68 | Buy now |
Travel insurance plans | Key Features | Plan maximum | Deductible | Price range | Buy Plans |
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INF Premier | View benefits | $100K - $1M | $75 - $5K | $283 - $480 | Buy now |
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Compare and buy best pre-existing plans
When purchasing travel insurance for a trip from the USA to Europe, the amount of coverage you need depends on several factors, including your health, the length of your trip, the activities you'll be engaging in, and your personal preferences.
In an event should you need to visit a hospital in the US, determine that the medical emergency isn’t serious to be visiting a hospital? Travelers can contact the hospital and seek for an advice from the local physician which can work out cheaper than a hospital visit. Majority of the US hospitals are huge and private, hence the medical costs in the USA are notably expensive.
Yes, travelers can get coverage for multiple cities or destinations in a single plan and in the annual policy. Ensure to provide information on all destinations you plan to visit during the trip while taking a quote.
U.S. health insurance is not valid in Europe for covering medical expenses. While some insurance plans may offer limited international coverage, it’s generally not sufficient for comprehensive medical needs abroad.
Older travelers exposed to long air and car travel, different weather conditions and new cuisines are vulnerable to falling ill. Proper older travelers health insurance USA is important!
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Know more »Travel insurance for USA resources
International travel insurance resources for USA visa holders.
Factors for travel insurance USA online
Important factors while deciding on the best travel insurance to USA.
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USA travel insurance claims process for medical care in a hospital.
Customer Queries for Europe travelers to USA.
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