Visitor Health Insurance for People Visiting the USA

Visitor health insurance is mandatory for travelers from certain countries to the United States. This type of insurance will last for the duration of your trip. Like other medical plans, it provides coverage for expenses that are related to qualified medical expenses and accidents. Whether you’re traveling to the USA for business or for personal reasons, you can protect yourself with visitor health insurance.

Plans Administered and Underwritten in the USA

These health insurance plans are typically underwritten by U.S. based insurance companies. This is important because it ensures that medical providers will accept coverage. You may pay more coverage in the USA, but you can rest easy knowing that you will be covered in the case of an emergency. You will also save money up front, because the other option is to pay all of your expenses out of pocket and wait to be reimbursed from the insurance company.

Plan Coverage

You can expect medical coverage that is similar to many non-visitor health insurance plans. There may be limits to how much your insurance company will cover for each medical expense, depending on what coverage you buy. Some of the benefits include:

  • Payment for hospitalization
  • Prescription drug coverage
  • Costs of office visits to see a doctor
  • Dental expenses

Scheduled Benefits Plan

A more affordable type of visitor health insurance for people visiting the United States is the scheduled benefits plan. The insurance company will pay for each expense, up to a certain amount. For example, if you need a chest X-ray, the insurance company may only pay up to a $400. If the bill exceeds $400, then you would have to pay the difference. Most scheduled benefit plans require that you pay a deductible first, and then the company will pay the remaining bill.

Comprehensive Benefits Plan

You can avoid limits on your medical expenses by paying more for a comprehensive plan. Once you pay your deductible, you are covered by the policy amount. Some companies require that you also pay an additional percentage on the first $5,000 that the insurance has to pay before it will pay the full 100 percent. Your budget will determine whether you can purchase a schedule benefits plan and a comprehensive benefits plan. You should also take into account the nature of your visit, and the likelihood that you'll need the benefits offered by one plan, versus the other.

How to Get Visitor Health Insurance

You can search your favorite engine using the search term "visitor health insurance." The result should provide you with numerous insurance broker websites that can give you a quote and refer you to American companies that underwrite the insurance. You can buy insurance online or apply via telephone, fax and mail. An alternative approach is to reach individual insurance companies with excellent ratings and contact an agent to apply for insurance.

It is usually best to start the coverage before you leave for vacation; the best approach is to start coverage on the actual date of departure. Wait until you get your passport and other papers in order before you apply for visitor health insurance.

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