Wednesday, 1 June 2011

Visitor Medical Health Insurance Coverage Offers Valuable Medical Benefits

By Dan Miller


Those who are travelling to the US and recent immigrants to the country should be prepared in case of illness or injury while they are away from their home country. Visitor travel insurance provides valuable medical benefits and is an affordable way to stay protected.

Coming to the US for work, school or pleasure can make non-US citizens eligible for benefits offered by visitor medical insurance. These plans offer a maximum policy amount of up to $130,000 per injury or sickness (for ages 14 days up to age 69), and a maximum of $70,000 per injury or illness for those who are ages 70 and older.

With these types of visitor travel insurance plans, travelers can receive coverage for as little as 5 days, up to a maximum of 12 months. Plans typically cover inpatient care, outpatient treatment and other types of medical services, including ambulance services and dental treatment for injury to healthy teeth.

In some situations, having visitors insurance can help travelers to the US save thousands of dollars. These plans are designed to help travelers afford expensive emergency care, including hospital stays and emergency evacuations, which can be very expensive.

With a high quality visitor medical health insurance plan, you don't have to worry about what may happen when you are visiting the US. Medical coverage in the US is quite good, however, it is also very expensive. You can receive valuable insurance benefits while visiting the US when you have visitors insurance.

Once USA insurance for visitors coverage is purchased for a minimum of 3 months, it can be renewed for a minimum of three months at a time, for a period that cannot exceed 12 months. Coverage is effective on the latest of the following: the departure from your home country, the date your application and premium are received by the insurer, the date your application and premium are accepted by the insurer, or the date that the application is requested.

As most visitors insurance plans don't offer coverage for pre-existing conditions, interested travelers should carefully review what is and isn't covered by their plan before they leave for the US.

You don't have to fear the unexpected when you have a visitor medical insurance plan. When you have the right plan, you can travel comfortably knowing that you will receive valuable protection in case of an unexpected illness or injury.




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