If you got sick or injured while traveling abroad to the United States or Canada, would you be able to pay your medical bills? Healthcare in North America is very expensive, and even if you have a policy or coverage in your own country, you are likely not covered during foreign travel. Rather than worry about taking a chance with your health during your trip, visitor health insurance is available to cover your health needs and avoid costly bills.
Visitor health insurance is a short term traveler’s medical insurance plan that covers the insured for the duration of a trip. These plans provide insurance coverage for accident and health expenses during travel and overseas stays. These plans can be purchased prior to the start of the journey or even during the travel. Plans can be purchased for durations from five days to three years, with several choices of coverage levels and deductibles. Coverage levels range from comprehensive plans to more limited benefits to provide peace of mind for travelers on a limited budget. Premiums for overseas insurance start at a very low daily rate so that it is affordable to nearly all travelers
Your home country may require visitor health insurance when you and your family visit the United States. Since medical care in the US is run by private companies and is very expensive, government-run health care agencies in other countries refuse to cover their citizens who have traveled abroad and become sick or injured. Doctors at private clinics and practices may refuse care to you or your family members if you are unable to pay. With a visitor policy you can be certain that you or your family member will get the proper care. Good policies will cover unexpected visits to doctor’s offices and hospitals, and will also cover costly medications. Some plans will even pay for expenses incurred during scenarios such as medical evacuation, repatriation of remains, and emergency evacuation to get you back to your home country.
A visitor policy can be purchased online before your trip, and if you are a current visitor to the United States you are still eligible to apply. You may also get a quote online before you commit to purchasing a policy. Some sites just have a short questionnaire to fill out with basic information such as your age, coverage amount, travel period, and citizenship. Spouse and family coverage quotes can also be obtained by providing information for your family.
Many sites work with several insurance companies to get a traveler multiple quotes to compare. This ensures that the customer can view and get the best rates possible for their needs. In a matter of minutes you can enter your criteria and receive several quotes from companies offering affordable, extensive visitor plans. It is good to examine all of the different options closely since companies often have different plans available to tailor to the traveler’s needs.
If a trip should last longer than expected, visitor insurance plans are renewable and customers can request a renewal online. The renewal request should be made before the expiration date of the original plan. After placing the renewal request, an underwriting team usually needs to approve the extension. Since the extension process may take several days or weeks, extended coverage should be applied for as far in advance as possible.
Make sure that you and your family don’t get hurt or sick in the United States or Canada without a way to pay for expensive medical treatments. Make your travel worry-free by easily purchasing visitor health insurance online before your trip.