As you are shopping around for the right visitors insurance for you or your loved ones' stay in the US, you may be asking yourself, "Should I purchase insurance from my home country, or America?" The insurance company you purchase from is a crucial decision you have to make when shopping for travel medical insurance. In this article, you will gain knowledge on the differences between an non-American and American visitors insurance, and the advantages / disadvantages of each.
The healthcare system in the United States is the world's most expensive and advanced systems. If you are traveling to America, you should consider buying American visitors insurance with adequate medical coverage. This travel insurance would cover you for any kind of unforeseen sickness or injury that happens while you are visiting the US, saving you from significant financial trouble in a foreign land.
An American visitor insurance policy offers some of the best international coverage and benefits for your trip. It is a good idea to purchase American visitor insurance rather than buying travel medical insurance from your home country. The reasons for this are: a typical American visitor insurance policy would have essential benefits suitable for your trip to the USA, the US visitor insurance policy issued by an American insurance company is likely to have better acceptance at the hospitals and doctors in America, and American visitor insurance companies provide the highest quality of customer service, emergency assistance, and comprehensive medical coverage.
Because American visitors insurances are more likely to be recognized by US doctors and hospitals, it is also more likely that they will bill directly to the insurance company rather than asking you to pay upfront. Since medical bills in America can be very costly, it can be a challenge to have enough funds to pay up-front for bigger medical costs like hospitalization and surgery. In addition to this, you will have peace of mind in knowing that your insurance will provide you with 24/7 support in case of an emergency.
Some of the most common benefits offered by American Visitor Insurance are
- Coverage for medical expenses involving a new, unexpected sickness or injury
- Prescription medication costs
- Emergency medical & travel evacuation
- Hazardous coverage
- Repatriation of remains
- Accidental death and dismemberment (AD&D)
- Some coverage for trip cancellation / baggage loss depending on the plan
With the different needs of individual travelers, and their requests to insure specifics according to their conditions/activities, the insurance companies are forced to have a extensive variety of travel insurance plans especially for visitors coming to America. If you are traveling to the USA, consider a US-based insurance policy