Travel Tips

Visitor care insurance is a visitor care insurance policy which offers affordable and beneficial coverage for individuals outside their native. Since senior citizens who are more than 65 years old are also eligible for coverage, this is a popular choice among parents or overseas travelers who travel to the US.

This visitors insurance plan can be bought even by non US citizens who are planning for an overseas trip. The initial coverage period for individuals who have crossed 65 years should start within just 30 days of arrival in the country. Otherwise, the traveler should provide enough proof of any other valid health insurance coverage. Individuals who are not in the US while applying should mention the expected arrival date clearly in enrollment form.

The visitor health insurance offer a range of beneficial coverage services like emergency intensive care, prescription drug coverage, hospitalization charges, out-patient treatment, dental injuries, diagnostic tests, surgeries, doctor consultation, local ambulance transport and private nursing expenses.

Individuals consulting a doctor who is a part of the PPO (Preferred Provider Organization) network would entitle treatment at subsidized prices and also reduce the out-of-pocket costs to the maximum.

Coverage becomes effective when the completed application form along with the initial payment is received by the insurance provider. Otherwise, it would start on the date of departure of the individual from the home country or any specific preferred date mentioned in the application form while submitting.

The visitor health insurance policy would remain valid until the expiry date or till the insured returns back to the native. Otherwise, a preferred date till when the policy should be valid can be mentioned in the application form also.

Individuals can choose from 3 different insurance options offered by the visitor health insurance policy. Each of these choices has different policy maximums. Coverage is available for as short as 5 days and the insured can buy the policy for a period of 1 year. Renewal can be done for a maximum period of 2 years at a time.

The insured individuals are entitled for a full refund if the cancellation request is submitted before the beginning of the effective start date of the visitor health insurance plan. Otherwise, refunds would be calculated for the remaining valid period if there are no claims filed so far under the medical insurance policy. A nominal cancellation fee is deducted while processing the cancellation request.

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