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Visitors and Travel Insurance
Visitor Insurance is a short-term temporary travel medical insurance policy that provides health, injury and travel emergency coverage while traveling or during a stay abroad. Traveling without a good travel medical insurance can be risky, a sudden medical emergency can not only be a costly affair, but can also be physically and emotionally agonizing.
It is advisable to have a good travel insurance policy if you are traveling to a country like USA where the health care cost is extremely high , a simple doctor's visit can cost you several hundred dollars.
Here is a quick list of what a travel / visitor medical insurance policy generally covers and what it not.
What is covered?
Any new medical conditions occurred after the plan effective date. Like
- Any new sickness /illness.
- Accidents or injury.
- Medical evacuations.
- Return of Mortal Remains ( coverage to send your remains home, in the event of death. )
This is just a generic list. Must review policy details for details on how much is covered.
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What is Not covered?
- Any existing medical problem or problem related to existing medical situation.
- Preventative care ( routine medical checkups, physical exams, immunization shots etc)
- Maternity /pregnancy/ child birth.
- Major dental problems.
- Vision checkup, eye glasses or related treatment.
Pease review plan details for complete list of “Exclusions” ..
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Watch an interactive presentation explaining A-Z of Visitors Insurance.
Visitor Insurance an Interactive Video Tutorial 
Visitor Insurance from USA:
If you are visiting USA, considering buying a US-based visitor insurance policy. A US-based insurance is recognized by a larger number of hospitals and doctors in USA .
Convenience, instant reachable customer support, insurance acceptance, the peace of mind and hassle free claim are certainly present while buying policies from US based insurance company.
Here is a list of some of the best US based Visitor Medical Insurance. plans.
Travel Insurance from Home country
There are several non-US companies proving Travel Medical Insurance. A non-US visitor insurance policy may not provide the same level of coverage as a US-based insurance company. There are several difference in insurance purchased from home country vis-a-vis US -based insurance provider.
A major disadvantage with these policies is that they are not accepted by many of the hospitals and doctors in USA. Hence, when you need to claim your expenses later on, you’will have to deal with a lot of paper work, correspondence and frustrating follow ups.
Here is an interesting articles which highlights some of these differences.
Visitor Insurance from India vs USA
How does visitor insurance works ?
Depending on type of plan, the policy can either be a limited coverage plan or comprehensive coverage visitor insurance plan. A comprehensive coverage policy provide higher benefits and grater coverage.
Please refer to this article about " How to use Visitor Insurance".
How to claim?
Contact your insurance company. You may have to fill up claim forms along with the proof of expenditure, which includes a copy of the hospital and doctor’s reports plus all original bills.
Here is a comprehensive information about " Visitor Insurance Claims".
Why Buy visitor insurance online?
- Easy and quick.
- Hassle free.
- No paper work, no fax, no membership.
- No physical/medical exam required.
- Get instant ID cards and coverage starts instantly or whenever you request.
- Renewal is easy.
- Only the top most reliable Insurance companies provide online purchase.
- Why Visitors Coverage ?
Recommended Readings :
>> Click here to get the Quotes
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