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Sunday, June 28, 2009

Why Visit USA Health Insurance

By Ray Sondeo

If you thought that your medical insurance would cover you during your trip to the USA then you are wrong! In USA, most of the hospitals will not acknowledge a foreign medical insurance. The result will obviously be a big hole in your pocket in case you meet with a medical emergency. So what is the key to this problem? Visit USA insurance!

Visit USA medical insurance can be purchased by any individual visiting the USA. The purpose may be professional, academic, or it might simply be pleasure. You are eligible to apply as soon as you set out for the trip to the US.

There are two plans, which are offered by Visit USA insurance - plan A and plan B. In plan A, the coverage provided per injury is $50,000. In case of plan B, the coverage is $1, 00,000. However, under both these plans the amount of coverage shrinks down to $10,000 if the applicant is above 80 years of age.

Three deductibles are offered by this tourists insurance. They are of $250, $500, and $1,000. After you pay this deductible, the insurance company pays 80% of your medical expenses to a limit of $5000. The family members and dependents of the account holder are also covered by this tourist health insurance.

The duration of the insurance cannot exceed a year. The lower ceiling of duration is 15 days. After the initial purchase, the plan cannot be renewed but can be purchased again for a new length of coverage.

Visit USA insurance provides coverage for accidental death. In case of loss of members, too coverage is provided. Only hands, legs, and eyes are considered as members. The highest amount of dismemberment is provided if it is a case of multiple dismemberment. If death or dismemberment occurs due to an attempt to suicide then no claims are entertained by tourist insurance.

Tourists with pre-contracted medical conditions are not eligible for tourist medical insurance. The same is applicable for pregnancy, drug misuse, and cosmetic surgery. Dental expenses other than those incurred due to accidents will also not be covered. No claims of coverage will be entertained if the policy holder meets with an accident while taking part in hazardous sports such a scuba diving, mountaineering, skiing etc.

A perfect health insurance for visitors is beneficial to every person irrespective of the reason for travel. Traveling to a new country can be enjoyable and secure with Visit USA tourist insurance.

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