USA Travel Insurance for Foreign Visitors
Anyone traveling to a country outside of their home of residence should make sure to get travel insurance. This applies not only to U.S. citizens living abroad, but also those who are visiting the U.S. While taking a trip for business or pleasure to this country can be fun and exciting, it can also be stressful if unpleasant unforseen circumstances arise, as they sometimes do while traveling. Even though the United States boasts some of the best medical care in the world, it can be very expensive depending on the type of care you need. And of course, the more serious the problem the more your medical bills are going to cost.
The majority of travelers abroad obtain a international health plan or travel insurance policy to protect them in the event of illness, injury or other circumstances. A good first step is to call your doctor at home before departing as well as your insurance company, to make sure they do not provide any type of travel coverage. If they don?t, then the next step is to start searching for a good travel insurance policy. No matter what country you?re in, the Internet can be a valuable tool when it comes to researching travel insurance.
Although many different things may be covered under a single policy, there are a variety of types of travel insurance. One is flight insurance, which protects you if your flight is canceled or delayed. It also provides coverage if you are injured or killed while on your flight. Flight protection does not extend past the scope of your airline travel. So, while this may be something you want on your policy you must know that it covers nothing else.
You will surely want to acquire some kind of international health insurance for the duration of your trip abroad. This insurance reimburses your medical costs while you are out of your home coverage. These policies, at least at a maximum coverage level, can take care of major costs like surgery, hospitalization, evacuation and more. Also covered should be outpatient doctor visits. Even though you might not get ill or injured while in the U.S., this insurance is something you should have just in case.
Another popular and useful type of coverage is trip cancellation/interruption. If you have no choice but to cancel your travel plans because of an extenuating circumstance like a death in the family, illness or even a natural disaster, this type of coverage will take care of the costs you?ve already paid towards your trip. You might also want to add on lost/stolen/damaged luggage coverage. This will reimburse you if your bags are lost, stolen or damaged in transit or even while on vacation. You would be very glad to have this type of coverage if you were stranded in the U.S. and some thief had snatched your suitcase. Of course this is unlikely, but the same coverage would also apply if for example the airline lost your bags.
When researching travel insurance, it helps to understand some of the terminology and definitions. For example, Maximum Policy Coverage is an important phrase to understand. This is the total amount an insurance company will provide in coverage. You?re also going to come across the word deductible. A deductible is money paid out of your pocket before your insurance plan kicks in. Deductibles range in value and the higher your deductible, the lower your insurance payment but remember, the deductible comes out of your pocket.
In some cases, especially for medical expenses or medication there may be a co-payment. This is a small amount of money you will pay following the deductible. There may be a formula like 80/20 which simply means the insurance company pays 80 percent and you have a 20 percent co-pay. Not every policy has this, so make sure to shop around and compare policies and details. Another thing you must know is about exclusions, which are things that are not covered. One good example is that cosmetic surgery is an exclusion when it comes to your travel health policy.
You can research USA travel insurance on the Internet, and even find companies who will give you a free online quote in exchange for a simple form you will complete. You can get several quotes and compare which policies and prices are best for your needs. From there you can submit a formal application which will be reviewed by an insurance agent and the company?s underwriting department. Once approved, you will receive all your documentation in the mail and be able to speak with your insurance agent for more information and to ask any questions you may have. They can also advise you on how to pay for your policy.
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Source: http://www.insuranceinfosite.org/usa-travel-insurance/
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