The current system of visitors insurance only covers a handful of services and is dependent on a restricted number insurance companies. These plans are often more expensive than domestic insurance and are only available at certain times of the year. Visitors to the U.S. can be here for any length of stay, and not just for a short time.
USA-HealthCare
Visitors to the United States can get coverage through the Visit USA-HealthCare plan. These plans provide pre-defined healthcare benefits and emergency services for a maximum of 364 days. You can access treatment from any U.S. doctor or hospital during this period. USA HealthCare offers three levels, including individual and family plans.
Prices for individual health insurance plans can vary. Many are affordable depending on the level and type of coverage. You may also need to consider your pre-existing conditions. It is important to find the right insurance plan for you.
Liaison Travel Choice
Visitors have Liaison Travel Choice insurance that covers a wide variety of medical needs. It is available to both individuals and families that travel abroad. It covers spouses and dependent children. It will also pay up to $30,000 for medical expenses. Emergency medical evacuation is also covered by the insurance. Liaison Travel Choice covers trips of up to three64-day duration. Visitors can visit any doctor within the PPO network for medical care.
Visitors can choose from the Basic Plan, Liaison Travel Plus Plan, and Liaison Travel Medical Plan. The Liaison International Travel Medical Plan is designed to cover short-term international travel. It provides coverage for injuries or illnesses occurring outside the United States. You can get coverage for as little as 5 days to as long 364 days. It's also available to travelers under the age 74. The plan provides customizable emergency medical coverage with deductible amounts.
Atlas America
Atlas America's visitor Insurance plan might be the right choice for you if you are traveling to the United States. This plan covers medical expenses for both outpatient treatment and hospitalization. This plan does not cover all costs. You can apply online for insurance and get coverage immediately.
This visitor plan provides health insurance and access to the United Healthcare PPO Network. These providers bill the insurance company directly and often charge network negotiated fees. This is usually less than regular rates. You will need a credit or debit card number, your name, passport number, travel dates, and your date of birth to receive a quote.
Safe Travels USA Comprehensive
Safe Travels USA Comprehensive Insurance is available to cover medical expenses for foreign citizens traveling to the USA. This plan covers medical expenses for visitors age 19 and up who need medical care in the U.S., including emergency services. It also covers a visitor's temporary stay in the U.S. During the duration of coverage, the insurance will pay 100% of eligible medical expenses up to the maximum policy limits. You will also receive instant ID cards and proof that you are covered.
This comprehensive insurance policy covers foreign travelers for medical emergencies, including pre-existing condition onset. The plan is available for 5- to 9-day stays. It can also be renewed for another year. The maximum policy amount, $50,000, can be renewed for up to 2 years.
International Major Medical Plan
You should purchase an International Major Medical Plan Insurance policy if you are traveling to the United States for short-term purposes. This coverage provides up to $1 million for out-of–pocket medical expenses. It provides benefits for trip cancellation, evacuation, and lost luggage. Some plans also offer war and terrorism coverage. Some even offer coverage for recreational and non-professional sports activities. International Major Medical Plan policies provide coverage for both cardiac and cancer care.
You can also purchase an Elite Plan to cover pre-existing medical conditions. This insurance covers specialist care, doctor visits, blood tests and urgent care. This type insurance also covers medications that are prescribed by doctors.