As you are shopping around for the right US visitor visa insurance plan for you or your loved ones’ stay in the U.S., 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 non-American and U.S. visitors visa insurance, and the advantages and disadvantages of each.
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Buying US Visitors Insurance From America
The healthcare system in the United States is the world’s most expensive and advanced system. If you are traveling to America, you should consider buying US visitors insurance with adequate medical coverage. This travel health insurance will cover you in the event of unforeseen sickness or injury that occurs while you are visiting the U.S., saving you from significant financial trouble abroad.
An American visitor insurance policy offers some of the best international coverage and benefits for your trip. For this reason, it is highly recommended to purchase a U.S. visitor visa insurance plan 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.
- A U.S. visitor insurance policy issued by an American insurance company is likely to have better acceptance at the hospitals and doctors in America.
- American visitor insurance companies provide the highest quality of customer service, emergency assistance, and comprehensive medical coverage.
- It will be the most convenient for you to contact an American-based insurance company in the event of needing healthcare while in the United States.
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Because American visitor insurance plans 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 up-front. Since medical bills in America can be very costly, it can be a challenge to have enough funds to pay up-front for larger 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 US visitor insurance plans are:
- Coverage for medical expenses involving a new, unexpected sickness or injury
- Prescription medication costs
- Emergency medical evacuation
- Hazardous coverage
- Repatriation of remains
- Accidental death and dismemberment (AD&D)
- Some may cover for trip interruption and baggage loss depending on the plan
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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 an 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.
Now that you better understand the advantages of getting your insurance from America, find out why these top 4 visitors insurance plans are the choice of frequent travelers to the US.
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