Tourist Visa Health Insurance & Travel Medical Insurance for USA Travel
If you are visiting the United States- you are in for a lot of exciting things to do. You can visit the Big Apple in New York, or the hills of San Francisco, or even the windy streets of Chicago. After you have your tickets book, hotel rooms reserved, and visa-in-tow, you must make sure to have visitor medical insurance for USA travel. You may be asking yourself, "Why do I need a visitor medical insurance plan for my USA travel?" In fact- it may be the last thing on your mind when putting together your trip. However, international travelers are exposed to large medical expenses which can arise from an sickness or accident during their trip to the United States.
Healthcare costs in USA are the most expensive in the world- and tourists who get sick can expect an average emergency room bill of over $8,000. Most tourists who incur large medical bills and do not pay them face visa restrictions from the US Department of State due to having unpaid debts.
In this new era of on-going visa restrictions from the Trump Administration- it is always advisable to be better safe than sorry. Enrolling in tourist health insurance plans will be the best decision you ever made.
Why do I need tourist health insurance?
The cost of medical care in the US is much higher than anywhere else in the world. In fact, most Americans who have filed for bankruptcy have done so due to the financial strain of medical bills. Travel medical insurance plans are designed to protect you against any large, unexpected, or unknown costs which can occur if you fall sick in the United States.
Do I need a tourist health insurance plan if I have insurance from my home country?
Yes. Most government-run health insurance schemes do not provide enough coverage while traveling- which will leave you exposed to high healthcare expenses should you get sick in the Untied States.
For example, the Canadian Provincial health insurance scheme only provides only a small amount of coverage. The common misconception is that your provincial health insurance will cover your expenses outside of Canada. Your provincial insurance essentially stops as soon as you leave Canada, providing only minimal coverage- leaving exposed to potentially tens-of-thousands of dollars in medical bills.
The Ontario Health Insurance Plan pays for some out-of-province treatment- up to $400 CAN per day for hospital costs and $50 CAN for outpatient care, which is not even enough to cover the cost of an urgent care visit.
Is there a travel medical insurance plan that covers pre-existing conditions?
Yes. INF Elite & INF Premier plan will cover all pre-existing conditions. The common myth is that no Insurance for Visitors plan covers pre-existing conditions. That is categorically false. INF plans are the only travel insurance with cover pre-existing conditions. If you are looking for travel medical insurance that covers pre-existing conditions, INF provides the only comprehensive and limited benefit options for you.
Most other plans offer something call acute onset of pre existing conditions. These plans say they will cover only in an emergency hospitalization. However, the language these plans allow the insurance companies to exclude any claim which come their way. It's a fact the acute onset plans do not pay claims for any pre-existing event. If you are looking for travel insurance which covers pre-existing- it is best to avoid acute onset plans. These plans will promise high policy maximums, but end up paying nothing.
You can read some visitor medical insurance reviews for acute onset of pre-existing coverage. Once you read the real experiences of these clients- you will know to stay away from acute onset of pre-existing condition plans.
Parents with Pre-Existing Conditions should enroll in the INF Elite or Premier Plan
What tourist health insurance should I enroll in?
There are two types of tourist medical plans which you can enroll in. This first is limited coverage fixed benefit plans which pay claims based on a schedule of benefits. This insurance coverage is much cheaper, and will not pay alot of claims if you have a real disaster on your hands. Most fixed benefit plans cap out at a certain point, leaving you still exposed to large medical bills. Comprehensive visitor health insurance plans will pay claims which can help you with large medical expenses.
Comprehensive plans pay a percentage of the total medical bill, rather than just a fixed amount. Now- this may seem attractive- especially because some plans will promise 100% co-insurance for only $100 or $150 with $100,000 policy maximum. It is important to know that most tourist health insurance plans do not pay out any claims. In fact- it can decidedly said that most visitor health insurance plans only pay out about 5% in collected premiums in claims. Most of the times, these are for small things where the out-of-pocket expense is less than $100. Most visitor health insurance companies prey on unsuspecting tourists who think they are buying a quality visitor medical insurance plans- but are stuck with nothing that's worth anything.
Only INF pays 100% of eligible claims. INF clients can expect excellent customer service. We respond to your emails, pick up your phone calls, and we are there for you from the start of your journey. In fact, any of our representatives will give you their direct WhatsApp number so you can reach them in case anything happens during your journey to the United States.
Can't I just fly back to my home country if I get sick?
Yes & No. Most doctors will not allow you to fly back to your home country unless you are medically fit to fly. Even if you are- they may require a registered nurse to come with to make sure that you are OK on your way back home. INF tourist health insurance will provide coverage for your repatriation back to the home country, or any medical evacuation you may need during your visit to the United States.
Although most other insurance companies offer similar repatriation benefits- they will ask you to pay out-of-pocket first, and then file for reimbursement. Visitor medical insurance should pay first for any medical evacuation that may be required- not the other way around. If you want to ensure you have a safe journey while traveling in the United States, make sure to enroll in an INF tourist medical insurance plan.