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Visit USA Visitor Insurance Policies

Todays Date: July 17, 2018

As the name implies, Visit USA visitor health insurance plans cater to those people who are tourists or visitors the US. This visitor medical insurance policy covers the important medical exigencies or travel risks that may arise during an abroad trip.

Some of the important coverage offered by the policy includes emergency medical evacuation, illness, accidents and emergency assistance that may be required in a foreign land. In addition, dismemberment coverage and accidental death benefits are also included in the visitor insurance policy benefits. The visit usa visitors health insurance also covers any incidental travel that may arise during the stay to Canada or Mexico or US territories for a maximum period of 2 weeks (14 days).

The Visit USA visitor medical insurance policy are eligible for new immigrants, and J1 and J2 exchange visa holders who travel to the US for studies, pleasure or business purposes.

The validity of Visit USA medical insurance plans is typically for a year. The visitor insurance plan offers great benefits at nominal premiums. However, every insured should remember that the Visit USA health insurance plan cannot be renewed after the period expires. In order to continue coverage under this visitor medical insurance plan, the policy either needs to be rewritten or repurchased for the duration during which the insured requires coverage.

Cancellation of the visit usa insurance plan is possible only before the start of the plan and a written request needs to be submitted. A small cancellation fee would be charged. Refunds would not be given after the start of the plan. Plan benefits can be claimed per illness or accident during the validity period.

Direct billing for services is possible via the PPO network. This means that (at the discretion of the hospital) the hospital can send the bills for the medical expenses incurred directly to the visitor insurance provider.

It is always a good idea to go through the terms and conditions and exclusions of any plan you purchase. Pre-existing conditions are not covered under this Visit USA visitors insurance plan. These refer to the injuries, illness or diseases that exist at the time or prior to the start of the plan.

In case the visitors want to avail coverage for any hazardous activities during the trip, they should opt for this benefit as this is optional and excluded normally from the general Visit USA visitor insurance plan. Similarly, applicants can optionally choose basic accidental death benefit as a part of the coverage.

Ray Sondeo often writes about Visitor insurance.

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