The current system for visitors insurance covers only a few services and is based on a limited set of 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. are allowed to be in the country at any time, not only for short-term stays.
USA-HealthCare
The Visit USA HealthCare coverage plan covers visitors to the United States throughout their stay. These plans provide pre-defined medical benefits and emergency services for up to 364 days. You can get treatment at any U.S. hospital or doctor during this period. USA-HealthCare offers three levels of coverage: individual, family and group.
Individual health insurance plans vary in price. Many are affordable depending on the level and type of coverage. However, you may need to take into account your pre-existing medical conditions. 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. This plan is for individuals as well as families who travel outside their home country. This plan covers children of unmarried parents. It covers up to $30,000 in medical expenses. Emergency medical evacuation is also covered by the insurance. Liaison Travel Choice covers trips of up to three64-day duration. Any doctor who is part of the PPO network can provide medical care to visitors.
Visitors have the option to choose from Liaison Travel Plus Plan or Basic Plan. Liaison Travel Medical Plan is designed for short-term, international travel. It also covers foreign-related illnesses and injuries. The coverage periods range from 5 to 364 day, and it is accessible to travelers under the 74 age. The plan offers customizable emergency medical coverage and deductible amounts.
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 hospitalization and outpatient care. This plan has a downside: it may not cover 50% of the total costs of your medical care. This insurance can be purchased online so you can start getting coverage as soon as possible.
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. All you need to get a quote on your coverage is a credit card and your date of birth, name, passport number and travel dates.
Safe Travels USA Comprehensive
Safe Travels USA Comprehensive Insurance offers coverage for medical expenses of foreign nationals who travel to the USA. This plan covers medical expenses of visitors over 19 who are required to receive medical care in the U.S.A, including emergency services. The insurance covers temporary stays in the U.S. and 100% of eligible medical costs up to the policy limits. This plan also includes instant ID cards, proof of coverage, and proof of insurance.
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 policy can be renewed up to two times, with a maximum amount of $50,000.
International Major Medical Plan
Consider purchasing an International Major Medical Plan (IMMP) insurance policy if your purpose is to visit the United States. 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 plans even provide coverage for non-professional and recreational sports. International Major Medical Plan policies offer coverage for cancer and cardiac care.
Visitors can also consider purchasing an Elite Plan, which covers pre-existing conditions. This insurance includes doctor visits, blood testing, urgent care, specialty care, and more. This insurance also covers prescribed medications by doctors.