The current system for visitors insurance is limited to a select number of services. It also relies on a small group of insurance companies. These plans are usually more expensive than regular domestic insurance and are available only at certain times of year. However, visitors to the U.S. may be in the country for any length of time, not just for short stays.
USA-HealthCare
Visitors to the United States can get coverage through the Visit USA-HealthCare plan. These plans offer pre-defined health benefits and emergency service for up to 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.
Individual health insurance plans vary in price. Many are affordable, depending on the level of coverage that the policy offers. Your pre-existing health conditions might need to be considered. You'll need to choose an insurance plan that meets your needs and budget.
Liaison Travel Choice
Visitors can get Liaison Travel Choice insurance to cover a variety of medical conditions. The plan is intended for families and individuals who are traveling abroad. You can also cover dependent children that are not married. It covers up to $30,000 in medical expenses. Emergency medical evacuation is also covered by the insurance. Liaison Travel Choice provides comprehensive coverage for trips lasting from five to three64 days. Any doctor who is part of the PPO network can provide medical care to visitors.
Visitors can choose between the Liaison Travel Plus Plan and Basic Plan. The Liaison Travel Medical plan is for international short-term travel. This plan covers injuries and illnesses that may occur outside of 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 includes customizable emergency medical coverage as well as a deductible.
Atlas America
For travelers traveling to the United States, Atlas America's visitor insurance plan may be just what you're looking for. This plan covers hospitalizations and outpatient treatments. The downside of this plan is that it may only cover 50% of the total cost of your medical care. You can apply online for insurance and get coverage immediately.
This visitor insurance plan is part United Healthcare PPO network. This network offers access to a large number of doctors and hospitals in the United States. These providers charge network-negotiated fees to the insurance company, which is often less than regular rates. You only need a credit/debit card number, birth date, name, passport number, as well as travel dates to request a quote.
Safe Travels USA Comprehensive
Safe Travels USA Comprehensive Insurance covers foreign nationals visiting the USA for medical expenses. This plan covers medical expenses for visitors 19 and over who require medical care in America, including emergency service. It also covers temporary visits to the U.S. during their stay. The insurance will cover 100% of eligible expenses for the entire duration of the coverage. You will also receive instant ID cards and proof that you are covered.
This comprehensive insurance plan covers medical expenses for foreign tourists, as well as acute onset of preexisting conditions. The plan is available for 5- to 9-day stays. It can also be renewed for another year. The policy can be renewed every two years and the maximum policy amount cannot exceed $50,000.
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 type of coverage pays up to $1 million in out-of-pocket medical expenses. You also get trip cancellation, evacuation and lost luggage benefits. Some plans offer coverage for war and terrorism. Some policies offer coverage for amateur and professional sports. International Major Medical Plan policies include coverage for heart and cancer care.
An Elite Plan is also available, which provides coverage for pre-existing conditions. This insurance includes doctor visits, blood testing, urgent care, specialty care, and more. This insurance also covers prescribed medications by doctors.