Fremont, CA – Most Americans aren’t even aware that visitors insurance is a thing, but travelers from Europe, India, China, Australia, and New Zealand are buying policies in record numbers. What exactly is visitors insurance and why are tourists and students so concerned about purchasing it before they hop on a plane? Here’s what you need to know.
What is Visitors Insurance?
At its most basic, visitors insurance is a form of short-term travel medical insurance designed for foreign visitors to the U.S. It most frequently covers two major risks: medical expenses and travel interruption expenses. Keep in mind, though, that there are a huge variety of visitors insurance policies on the market, and each one can vary widely from the next.
Visitor Medical Insurance
Most tourists from EU member countries, Australia, and New Zealand have never seen a medical bill. The thought of a thousand-dollar trip to the E.R. is mind-boggling to a Kiwi, and U.K. residents find it unbelievable that an accident in the U.S. could result in hundreds of thousands of dollars in medical bills.
Why? Because they’re from countries where universal healthcare is very much the standard. In Australia, for instance, E.R. visits, ambulance rides, and urgent care are all free – or at least, already included in their tax rates. These visitors don’t typically have insurance policies that cover them when they’re abroad, so they look to visitor medical insurance to fill in the gap and give them a bit of peace of mind while they’re exploring the States.
Travel Interruption Coverage
In Europe, consumer-protection laws generally ensure that travelers will be reimbursed by airlines (or rail companies) whose trips are delayed or canceled. Some U.S. airlines offer this as a courtesy; some don’t. Many travelers end up footing the bill when they miss a connecting flight because of one delay – or paying out-of-pocket for a hotel when unexpectedly stranded away from home.
Customers from countries with more robust consumer protection laws often want to purchase similar protection for their trip to the U.S., especially if, like most vacationers, they’re on a tight schedule.
Is it worth it?
As with every insurance policy, purchasing coverage is about assessing risks and protecting yourself against the unknown. One unlikely disaster can knock your entire life off-kilter if you’re unprepared, but the balance of that risk is up to you – particularly when it comes to visitor health insurance and trip interruption coverage. Here are a few things to consider if you or a loved one from overseas are considering a visitors insurance policy:
- Check with your credit card company. Some credit cards offer trip interruption and even medical expense coverage if the trip was booked using the card. Ask for details and find out what the maximum payouts are.
- Shop around. This is a quickly-growing industry, so you need to do more than a quick web search before buying a policy or recommending it to others. Make sure you’re purchasing from an agent who knows the business and is familiar with the concerns of inbound tourists.
- Read the fine print. Make sure you know what is and isn’t covered and what your caps and maximums are before you buy.
Have questions about Health Insurance for Visitors in USA or policy options? Feel free to contact at www.VisitorsGuru.com
We’re here to help answer your questions about protecting your trip. Get a quote and purchase your policy online, or just spend some time on our site looking at your travel insurance options. We’re here to help!
Company Name: Visitors Guru
Contact Person: Divya Reddy
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Country: United States