The current system for visitors insurance covers only a few services and is based on a limited set of insurance companies. These plans are more costly than domestic insurance, and they are not available all year. Visitors to the U.S. can be here for any length of stay, and not just for a short time.
USA-HealthCare
The Visit USA HealthCare health plan provides coverage for Americans visiting the United States. These plans offer pre-defined medical benefits as well as emergency services for up 364 days. During this time, you can receive treatment from any doctor or hospital in the U.S. Visit USA-HealthCare provides three levels of coverage, including individual, family, and group plans.
Individual health insurance plans vary in price. Many are affordable depending on the level and type of coverage. It is important to consider any pre-existing medical conditions. You'll need to choose an insurance plan that meets your needs and budget.
Liaison Travel Choice
Visitors have Liaison Travel Choice insurance that covers a wide variety of medical needs. The plan is intended for families and individuals who are traveling abroad. It also covers dependent children who are unmarried. The insurance also covers medical expenses up to $30,000 It also covers emergency medical evacuation. Liaison Travel Choice offers coverage for trips lasting anywhere from 5 to 364 days. Any doctor who is part of the PPO network can provide medical care to visitors.
Visitors have the option to choose from Liaison Travel Plus Plan or Basic Plan. The Liaison Travel Medical plan is for international short-term travel. It includes coverage for illnesses and injuries that occur outside the United States. You can get coverage for as little as 5 days to as long 364 days. It's also available to travelers under the age 74. The plan includes customizable emergency medical coverage as well as a deductible.
Atlas America
Atlas America's visitor insurance plan may be the best option for American travelers. 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. You can apply online for insurance and get coverage immediately.
This visitor insurance plan is part United Healthcare PPO network. This network offers access to a large number of doctors and hospitals in the United States. These providers charge network-negotiated fees to the insurance company, which is often 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 offers coverage for medical expenses of foreign nationals who travel to the USA. This plan covers medical expenses for visitors 19 and over who require medical care in America, including emergency service. The insurance covers temporary stays in the U.S. and 100% of eligible medical costs up to the policy limits. You can also get instant ID cards or proof of coverage with this plan.
The comprehensive insurance plan covers all medical expenses for foreign travellers, even pre-existing conditions. The plan can be extended for up to ninety days and can be renewed an additional year. The maximum policy amount is $50,000 and the policy can be renewed for an additional two years.
International Major Medical Plan
Consider purchasing an International Major Medical Plan (IMMP) insurance policy if your purpose is to visit the United States. This coverage will cover you for up to $1,000,000 in medical expenses. It provides benefits for trip cancellation, evacuation, and lost luggage. Some plans offer coverage for war and terrorism. Some plans offer coverage for both professional and recreational sports. International Major Medical Plan policies include coverage for heart and cancer care.
An Elite Plan is also available, which provides coverage for pre-existing conditions. This type of insurance covers doctor visits, blood tests, urgent care, and specialty care. This type of insurance also covers medication prescribed by doctors.