One way to assure yourself of peace of mind when you're planning a trip abroad or expecting a visitor from overseas is with visitor medical insurance. Nobody plans on getting sick or having an accident, especially not at times like that. But accidents do happen so it pays to be prepared.
It doesn't matter if an elderly relative trips and breaks a hip while visiting your home or whether your teenager is overseas and has a medical emergency. All that's required is contacting your insurance provider. Usually they will give you an insurance identity card that lists your policy number and an emergency number to call.
Benefits include medical coverage for American citizens traveling abroad or foreign visitors to the USA. The maximum medical benefit can go as high as $250,000. The amount of maximum benefit is generally limited to $15,000 for those 80 years and older.
It's possible to take out a policy for only five days or as long as two years. If any medical costs are incurred, it's possible to receive compensation for the following half year. With additional time, the situation will need re-evaluation although compensation is still possible.
Insurance companies now offer options and plans to fit every situation and budget. Prices vary according to the coverage required. Rates start at $100 and go as high as $2,500. Young adults in their twenties can expect to pay a decreased rate while 80 year olds need to plan on paying more.
Be sure to carefully read through the policy you're considering. That's because not all insurance policies have the same exclusions. Knowing what exclusions apply is important so that you know what circumstances apply for compensation.
An exclusion that most plans include is knowingly putting your life at risk by going into a dangerous situation. Chronic medical conditions already present prior to travelling are also exclusions. Accidents linked to drugs or alcohol are also excluded.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
It doesn't matter if an elderly relative trips and breaks a hip while visiting your home or whether your teenager is overseas and has a medical emergency. All that's required is contacting your insurance provider. Usually they will give you an insurance identity card that lists your policy number and an emergency number to call.
Benefits include medical coverage for American citizens traveling abroad or foreign visitors to the USA. The maximum medical benefit can go as high as $250,000. The amount of maximum benefit is generally limited to $15,000 for those 80 years and older.
It's possible to take out a policy for only five days or as long as two years. If any medical costs are incurred, it's possible to receive compensation for the following half year. With additional time, the situation will need re-evaluation although compensation is still possible.
Insurance companies now offer options and plans to fit every situation and budget. Prices vary according to the coverage required. Rates start at $100 and go as high as $2,500. Young adults in their twenties can expect to pay a decreased rate while 80 year olds need to plan on paying more.
Be sure to carefully read through the policy you're considering. That's because not all insurance policies have the same exclusions. Knowing what exclusions apply is important so that you know what circumstances apply for compensation.
An exclusion that most plans include is knowingly putting your life at risk by going into a dangerous situation. Chronic medical conditions already present prior to travelling are also exclusions. Accidents linked to drugs or alcohol are also excluded.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
About the Author:
Miranda Parker frequently writes about visitor insurance and visitor medical insurance.
