The current system for visitors insurance is limited to a select number of services. It also relies on a small group of insurance companies. These plans can be more expensive than domestic insurance and only available during certain seasons. Visitors to the U.S. could be in the country for any duration, not just for short periods.
USA-HealthCare
The Visit USA-HealthCare health plan offers coverage for visitors to the United States during their stay. These plans provide pre-defined healthcare benefits and emergency services for a maximum of 364 days. You can seek treatment from any U.S. physician or hospital during this time. USA-HealthCare provides three levels in coverage including individual, family, group, and group plans.
Prices for individual health insurance plans can vary. Many policies can be affordable, depending upon the coverage offered. You may also need to consider your pre-existing conditions. You will need to select an insurance plan that suits your budget and meets your needs.
Liaison Travel Choice
Liaison Travel Insurance for Visitors covers a wide range medical needs. This plan is for individuals as well as families who travel outside their home country. You can also cover dependent children that are not married. The insurance also covers medical expenses up to $30,000 This insurance also includes emergency medical evacuation. Liaison Travel Choice offers coverage for trips lasting anywhere from 5 to 364 days. For medical care, visitors can visit any doctor in the PPO network.
Visitors can choose from the Basic Plan to Liaison Travel Plus Plan as well as Liaison Travel Medical Plan. Liaison Travel Medical Plan is designed for short-term, international travel. It provides coverage for injuries or illnesses occurring outside the United States. The coverage periods vary from 5 to 364 days, and it is available to travelers under the age of 74. You can customize your emergency medical coverage and the deductible.
Atlas America
For travelers traveling to the United States, Atlas America's visitor insurance plan may be just what you're looking for. This plan covers hospitalizations and outpatient treatments. This plan has a downside: it may not cover 50% of the total costs of your medical care. Fortunately, you can get this insurance online, and start enjoying coverage tomorrow.
This visitor plan provides health insurance and access to the United Healthcare PPO Network. These providers bill the insurance company directly and often charge network negotiated fees. This is usually less than regular rates. For a quote, you will only need to provide a credit score, date of your birth, name and passport number.
Safe Travels USA Comprehensive
Safe Travels USA Comprehensive Insurance covers foreign nationals visiting the USA for medical expenses. This plan covers medical expenses of visitors over 19 who are required to receive medical care in the U.S.A, including emergency services. It also covers temporary visits to the U.S. during their stay. The insurance will cover 100% of eligible expenses for the entire duration of the coverage. You will also receive instant ID cards and proof that you are covered.
This comprehensive insurance plan covers medical expenses for foreign tourists, as well as acute onset of preexisting conditions. You can renew the plan for another year. The plan is valid for stays of five to ninety days. The policy can be renewed every two years and the maximum policy amount cannot exceed $50,000.
International Major Medical Plan
You should purchase an International Major Medical Plan Insurance policy if you are traveling to the United States for short-term purposes. This coverage will cover you for up to $1,000,000 in medical expenses. It also offers evacuation, repatriation, trip cancellation and lost luggage benefits. Some plans include coverage for war or terrorism. Some plans even provide coverage for non-professional and recreational sports. International Major Medical Plan policies provide coverage for both cardiac and cancer care.
An Elite Plan is also available, which provides coverage for pre-existing conditions. This type of insurance covers doctor appointments, blood tests, urgent and specialty care. This insurance also covers prescribed medications by doctors.