subject: Helpful Tips On Visitor Medical Insurance [print this page] 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.
Picture yourself or a loved one needing hospitalization in a strange country without enough cash to cover medical costs. You can avoid any such unpleasant scenarios when you have travel insurance. Instead, you'll be able to pull out your insurance card and dial the emergency aid phone number that's listed. A reliable team of professionals will immediately speed to your aid. With their experience in handling situations, they can get you all the assistance required.
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.
Most policies offer coverage starting from five days and continuing until two years for a single policy. For the medical treatment required during that time, the policy will cover expenses for six months. If treatment takes longer than that, the coverage may possibly be extended.
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.
It's essential to read through all the terms of an insurance plan before deciding which one is best for you. Different insurance plans will have different exclusions. Unless you know what exclusions are maintained by a particular plan, you might miss out on benefits.
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.
Whether you're planning time away or receiving an elderly parent from overseas, getting visitor insurance beforehand is the best way to make sure things goes well. Taking a preventative step like this will save on problems and expenses in the long run.
by: Erica Bailey
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