Visitor Health Insurance for USA, Travel Medical Insurance in USA

Visitors Medical Insurance USA for Parents

January 12, 2011 | Author: Visitor Medical Insurance | Posted in Visitors Medical Insurance

Buying the right visitor health insurance for your parents not only helps them stay safe on the foreign land but also keeps your worries away. VisitorsHealth.com  provides a range of visitor insurance plans to suit varied needs. Their short term travel health insurance and travel insurance plans prove to be an asset when you are on a foreign land. Thus, it is important to find a health insurance plan for your parents well in advance to ensure that your parents have a pleasant overseas experience.

USA Visitor Medical Insurance for Parents

A visitor’s medical insurance is sometimes referred to as a short term insurance that covers a period of zero days to up to three years. Visitors insurance USA plans cover the insured for medical hospitalization expenses, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment, etc. while visiting the USA. The policy basically covers all kinds of doctor’s visits, in patient and out patient fees, hospital charges such as room fees, surgeries, laboratory work such as x-ray and blood tests and the like. All of these charges should, however, be made or availed of after the purchase of the medical insurance plan. However please note that most of the visitor insurance plans in the USA will not provide insurance coverage for pre existing medical conditions or for preventative care. Visitor medical insurance plans provide peace of mind for travellers and financial security in case of a medical emergency while outside ones home country.

To make an informed choice, visitors can compare visitor health insurance plans online. After the comparison the plan selected by visitors can be purchased online using a credit card. When availing of the USA visitor insurance plan, it is important that you first check the benefits that are provided with the plan. The plan benefits and all details of visitor insurance are available online and travelers can compare premiums and coverage. Visitors can be well informed about the premium rates, deductibles, medical benefits, coverage period of various plans using the compare tool online. The plan details of visitor medical insurance are available online and travelers can compare at any point of time. Do remember, however, that these kinds of insurance does not include any pre-existing condition. There are basically two kinds of insurance coverages available in the United States. These are the fixed insurance and the comprehensive insurance. The fixed coverage is less expensive. With this, you are required to pay the deductible first and then the insurance company will pay up to the maximum amount for each procedure. The balance, if any, will then be paid by the plan holder. Generally, the maximum coverage is $50,000 or $100,000 for all of the scheduled benefits.

On the other hand, the comprehensive plan costs almost two times that of the fixed coverage. The advantage of this kind of USA visitor insurance plan, however, is that it provides more coverage. In here, you are required to pay the deductible first and then the insurance company will pay eighty percent for the first five thousand and the plan holder will pay the remaining twenty percent. After the five thousand, the insurance company will pay up to one hundred percent of the maximum amount in the policy. Do note that different insurance companies will be providing their own version for the benefits so read the policy and the coverage carefully and thoroughly.

Author: Visitor Medical Insurance

He writes about visitor medical insurance and visitor health insurance coverage as travel medical insurance for visitors to USA or Canada, and travel health insurance for international travelers visiting any foreign nation outside their home country.

This author has published 1511 articles so far.

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