Vellore Jaishankar No Comments

Visiting the United States of America, or traveling to any other nation is a dream for many, for many others it is routine way of life. With the proliferation of jet travel, criss-crossing across continents in a single day is easily possible, which more and more individuals and families are undertaking these days. Many plan to purchase the airline tickets, pack their luggage and personal items, however many forget to consider purchasing visitor medical insurance for this experience outside home country. Whether you are planning to stay-term or for a longer-term, you certainly need to consider to purchase visitor medical insurance to be adequately covered in the event of some health emergency needing urgent medical treatment and care, which are either major or minor in nature.

For visitor to USA, the importance of visitor medical insurance for all foreign nationals who are visiting America even for a short-term should be well understood and cannot be underestimated. The reasoning behind the purchase and subscribing to a visitor insurance plan is that unexpected emergencies to one’s or family members health due to an accident or injury cannot be anticipated. This applies equally to business travelers, international students, or holiday travelers, as it is really prudent to take out visitors insurance policy to stay medically protected as without such medical assistance access may be curtailed. Even if you are given the much-needed care for the medical condition or ailment, medical bills that surely will follow may prove to be astronomical for many to handle on their own.

Visitor health insurance is surely a much needed requirement for elderly relatives or senior parents visiting USA. Older individuals are prone to be injured or fall sick more easily, and cost of care is one factor, but safety from a health point of view is more important. Change in climatic conditions is another reason why visitors need this coverage, but since visiting individuals are more often on the road and dealing with a serious road accident could be a traumatic experience. Without the proper coverage of visitors insurance, you have to spend money out of your own pocket for the urgently needed health care services. However the cost of such care in the United States is not cheap and you will be surprised to see the hefty bills. This is the primary reason why no one does travel outside their home country without getting visitor medical insurance.

Visitor medical insurance plans in the United States generally provide extensive travel and health benefits including coverage for inpatient or outpatient hospitalization, intensive care, and surgery, prescription drugs, medical evacuation, repatriation, sudden dental pain, etc. Owing to the necessity of the insurance policy for foreign nationals visiting the United States, leading insurance underwriting companies such as Lloyds, Nationwide, AIG among others have been offering visitor insurance plans through several top rated insurance plan administrators based in the United States.