Even though USA is known for its best medical care, medical expenses are very high and it is impossible to consult a doctor even for a small illness. So even you are visiting US for a short span of time, definitely you need a medical insurance. There are many companies in US which provide a separate medical insurance for visitors. Visitors Medical Insurance is usually for short span of time and it may vary from as short as 5 days to 6 months or so. It usually covers expenses such as surgery, lab charges, x rays, prescribed tablets and drugs, x-ray, hospital expenses, doctor’s charges etc.
Also read: Tips to get best travel insurance.
Types of travel medical insurance plans
There are two types of insurance plans namely Fixed coverage plan and Comprehensive coverage plan.Fixed coverage is also called as scheduled benefit plan in which you have to first pay the deductible or the first premium and the company pays the amount for procedure such as ambulance service,doctor’s fees,room charges. But these charges are fixed by the company and you have to pay the rest of the amount. In comprehensive coverage after you pay the first premium, the company pays 80% of the expenses for the first $5000. After that it pays 100% of the expenses till the policy period. Fixed coverage plan is more cheaper than comprehensive plan but it does not offer travel benefits like loss of baggage, trip cancellation charges etc.
Buying travel insurance in USA
It is advisable to get the medical insurance from USA instead of your home country because you will get an insurance card,id number,toll free number in US for contacting in case of any queries or claims.Also the plans are renewable and refundable in case you finish the trip in advance before the actual date and the rules for medical insurance are very strict in USA so that you will get the maximum and the described benefits.You will not get an insurance card or a toll free if you buy it in your country.
Visitors Coverage offers all the information related to health insurance for B1 and B2 visitors and it also provides the quotes for the top rated insurance plans with option for buying it online.It provides the quotes for popular insurance companies such as Inbound USA, VisitorSecure, Atlas America, Patriot America etc. It provides the details like plan brochure, description of the coverage, claim form, how the plan works etc. You can choose fixed or comprehensive plan depending on your requirement.
Insubuy offers all the information related to health insurance for B1 and B2 visitors and it also provides the quotes for the top rated insurance plans with option for buying it online. You can search and compare various insurance plans by mentioning citizenship, maximum policy amount, start date, end date, age, coverage area etc in the search criteria. There is no medical exam required and you can purchase the policy online from popular companies like Inbound, Liaison, Atlas America, Diplomat America etc.
3. HCC Medical Insurance
HCC Medical Insurance services offers two types of travel health insurance for visitors and they are Atlas Professional and Atlas Travel. Atlas Travel is valid for single trip and duration can go up to one year. It covers for accidents and injuries and the coverage includes hospital room expenses,ambulance cost,ICU cost,outpatient treatment etc. Atlas Professional insurance can be used for multiple trips and it also offers coverage for dependents or spouse and the coverage includes all the ones mentioned for Atlas Travel insurance.
4. PSI Health Insurance
PSI Health Insurance provides emergency medical insurance plan for visa holders such as B1,B2,F2 and J2. The duration may vary from 1 to 6 months. The premium rates depends on the age of the person,period of coverage and selection of deductible etc. You can buy the policy by filling the enrollment form online and they will provide the insurance card, policy brochure, claim form and other documents after the purchase.
iVisitorsInsurance offers quotes for visa holders such as B1,B2,F2 and J2 and the duration may go up to 1 year. The policy from companies like Atlas America can be purchased or renewed online.The claim form,policy brochure etc can be downloaded from the site. The atlas America insurance covers hospital room expenses, ICU cost, outpatient treatment etc. It also provides the list of hospitals and doctors in the Preferred Provider Network (PPO).