Visitors Health Insurance for Tourists to USA: Compare Plans

Policies cover unexpected medical expenses during US visits or travel overseas.

Tourist Health Coverage

  • Can cover Hospital, Doctor, Prescription expenses.
  • Direct cash-less settlement of claims possible (hospitals can bill insurance company directly)
  • Customer Service & Claims Department located in USA
  • No medical exam required for enrollment

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Health Insurance for Visitors to USA: Plan Benefits

These policies are designed to specifically cover unexpected medical expenses as a result of sudden accidents, mishaps, and sicknesses. They can cover for expenses arising from hospitalization, doctor office visits and prescription drugs. Travelers from various countries including Afghanistan, Pakistan, India, China, Sri Lanka & Vietnam have availed of the plan benefits & protected themselves from medical bills.

Customer experience with our plans has been good because the plans are serviced and claims are administered in USA. So, there is no need for either the insured or the healthcare provider (i.e. doctor or hospital) to ever call an overseas number in a foreign country. Policies are underwritten by insurance companies with sound financial strength (rated A or better by AM Best Rating Company). Most of the health insurance plans for visitors that are offered on this website feature direct claims settlement (or cashless settlement). In other words the policy claims department can pay off the service provider (hospital or doctor) directly and you will not be required to come up with a huge sum of money to pay the provider and then file for re-imbursement with the insurance company.

There are two types of visitor health insurance plans - fixed benefits (or limited benefits) and comprehensive coverage. The fixed benefits plans are cheap and provide a reasonable degree of coverage; they are characterized by various intermediate coverage limits for hospital stay (i.e. $1,400 per day), doctor visit (i.e. $55 per visit) etc. The comprehensive visitor healthcare plans, in contrast to the fixed benefits plans, offer a higher degree of coverage.

Visitor Insurance - USA Hospital Costs

It is common for people to ask - do I really need medical coverage when I visit the United States? It is prudent to consider the typical costs for hospital healthcare in America. The minimum daily hospital cost exceeds $1,200; this does not include diagnostic costs (i.e. CT scan, MRIs, blood work etc) or prescription medications. Intensive care charges typically exceed $3,000 per day; it can vary depending on the type of services provided & the location of the provider (NY city or rural West Virginia). Often clients are also surprised by the charges for ground or air ambulance to transport the sick or injured. So, a day at a US hospital almost always costs more than the round trip ticket to visit USA.

Americans: People On the Go

The Obamacare initiative has attempted to give us all access to healthcare. However, the depth of its reach varies greatly from plan to plan and from insurance company to insurance company. Perhaps, this does not make much sense, considering that culturally, the US society is a civilization of people “on the move”. The U.S Census Bureau estimates that 130,000 Americans move to a different location within the country every day. Since insurance is now obligatory, a few uncertainties arise about how this will play out with travel and moving. ...