If you haven't considered visitor medical insurance before, it may be time to consider the benefits you can gain. When you're preparing for a visitor from overseas or making plans for a celebratory trip abroad, the last thing you want to have happen is illness or accidents. Unfortunately, these things do occur and more frequently than we realize. With a travel policy, you're covered for any emergency that may occur, any time, any place.
Picture yourself or a loved one needing hospitalization in a strange country without enough cash to cover medical costs. You can avoid any such unpleasant scenarios when you have travel insurance. Instead, you'll be able to pull out your insurance card and dial the emergency aid phone number that's listed. A reliable team of professionals will immediately speed to your aid. With their experience in handling situations, they can get you all the assistance required.
Benefits include medical coverage for American citizens traveling abroad or foreign visitors to the USA. The maximum medical benefit can go as high as $250,000. The amount of maximum benefit is generally limited to $15,000 for those 80 years and older.
The length of time that travel can be covered by a single policy starts at less than a week and concludes two years later. If accident or illness occurs in that time, medical expenses will be covered for half a year. If the condition persists longer, chances are that the coverage can be extended.
There is a fairly wide range of plans available now. The price of these plans depends on the amount of coverage desired. There are rates of $100, $250 and so on, up to $2,500. Those in a younger age bracket pay a lower rate while those in their 70s and older will need to pay more.
Be sure to carefully read through the policy you're considering. That's because not all insurance policies have the same exclusions. Knowing what exclusions apply is important so that you know what circumstances apply for compensation.
In general, exclusions are made in circumstances where someone intentionally puts their life in danger or takes unnecessary risks. Medical ailments that existed before traveling will also be excluded or only covered to a certain extent. If an accident or mishap involving alcohol or drugs occurs, that will also be excluded.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
Picture yourself or a loved one needing hospitalization in a strange country without enough cash to cover medical costs. You can avoid any such unpleasant scenarios when you have travel insurance. Instead, you'll be able to pull out your insurance card and dial the emergency aid phone number that's listed. A reliable team of professionals will immediately speed to your aid. With their experience in handling situations, they can get you all the assistance required.
Benefits include medical coverage for American citizens traveling abroad or foreign visitors to the USA. The maximum medical benefit can go as high as $250,000. The amount of maximum benefit is generally limited to $15,000 for those 80 years and older.
The length of time that travel can be covered by a single policy starts at less than a week and concludes two years later. If accident or illness occurs in that time, medical expenses will be covered for half a year. If the condition persists longer, chances are that the coverage can be extended.
There is a fairly wide range of plans available now. The price of these plans depends on the amount of coverage desired. There are rates of $100, $250 and so on, up to $2,500. Those in a younger age bracket pay a lower rate while those in their 70s and older will need to pay more.
Be sure to carefully read through the policy you're considering. That's because not all insurance policies have the same exclusions. Knowing what exclusions apply is important so that you know what circumstances apply for compensation.
In general, exclusions are made in circumstances where someone intentionally puts their life in danger or takes unnecessary risks. Medical ailments that existed before traveling will also be excluded or only covered to a certain extent. If an accident or mishap involving alcohol or drugs occurs, that will also be excluded.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
About the Author:
Miranda Parker frequently writes about visitor insurance and visitor medical insurance.
