Visitors insurance, unlike domestic insurance, is designed to cover a person when traveling outside their home country or country of citizenship. Visitors insurance is a short term international travel medical insurance plan designed to cover medically necessary expenses related to unforeseen injuries, accidents, or illnesses that occur after the effective date of the policy.
Visitors insurance is not the same as domestic insurance (Affordable Care Act compliant plans that are federally regulated). ACA compliant medical insurance plans are only available to U.S. citizens and residents. Benefits commonly found in domestic insurance may not be covered benefits in visitors insurance plans. for example below things might not be covered.
- Birth Control
- Cosmetic Surgery
- Elective Surgery
- Maintenance Medication
- Maternity Care
- Preventive Check-ups
- Routine Visits
- Treatment for Known Medical Conditions
- There is no paperwork or medical exam required.
- While name and date of birth are required in all travel insurance plans, passport number is optional in some of them.
- Most plans have pre-existing conditions exclusions. Make sure to read the certificate wording carefully.
- Travel insurance plans are not Affordable Care Act (ACA) compliant.
- Travel coverage can start as early as the next day or any future date you specify.
Visitors insurance will generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Medical expenses are very high in the United States. While fixed coverage plans provide limited coverage according to schedule of benefits, comprehensive coverage provides the coverage in terms of percentage (80%, 90% and so on).
Most comprehensive coverage plans participate in a PPO network which has many participating doctors or hospitals all over the U.S. that bill the insurance company directly and also charge you only the network negotiated fees.
Many visitors insurance plans provide coverage for acute onset of pre-existing conditions up to certain extent for persons below a certain age. This benefit is immensely helpful for elderly visitors to the U.S. who may be suffering from pre-existing conditions. It is meant to cover sudden and unexpected emergencies and not meant to cover routine maintenance of pre-existing conditions.
In case you need to return back to your home country prematurely due to covered reasons; such as your house is on fire or flooded; trip interruption coverage will help you pay for the additional expenses to make necessary arrangements.