Travel Medical Insurance
Travel Health Insurance for USA Visitors or International Travelers

By: Vellore Jaishankar | September 10, 2013

If you as an individual or along with family members travel to USA or any other destination countries, it is important to review and purchase travel medical insurance. Becoming sick or being injured on a trip or while out in an overseas land, can happen when least expected. It may require urgent medical consideration, typically the care of specialist doctors and hospital emergency rooms. Travel health insurance plans offer coverage for sickness or accidents that occurs outside home country, and offer a lifesaving option with access to right care during any critical health emergency too.


Domestic insurance plans aren't made to function properly with hospitals and doctors outside national borders, which may add to your frustration if you need health coverage while traveling. Your greatest financial risk while traveling outside of your home country is become ill due any routine sickness such as cough or cold or flu, or even emergency medical due to a stroke or heart attack, or any other health or medical problems. International travel medical insurance plans provides short-term travel health coverage for foreign nationals visiting the United States or anywhere outside home country, or for U.S. citizens when traveling abroad.


Travel medical insurance plans can be broadly categorized as fixed or scheduled benefit plans, and comprehensive coverage plans. Fixed plans may cover only to specified amount as listed in the plan brochure for a medical condition, whereas comprehensive coverage plans are your best option for traveler's looking for well-rounded coverage. Travel medical insurance policy is totally different from trip insurance plan. Some travel health insurance policies do not cover any pre-existing illnesses, while other offer only coverage for acute onset or sudden relapse of such conditions. When selecting a plan, first assess the costs, the travel and health hazards involved, the coverage requirements and plan choices that are available, and then select a plan that best meets your need and budget.


The included plan benefits in visitor medical insurance vary by policy and carrier. It is prudent to always go through the plan detail available in the policy description of coverage document or the plan brochure before making a purchase. Some of the general features covered by visitor's insurance plans are coverage for medical expenses, emergency medical evacuation, repatriation of remains, emergency reunion, etc. However, most of visitor health insurance plans will not cover maternity and listed policy exclusions.


Travel medical insurance plans are designed to protect you for any health-related problems that may happen while traveling outside of the home country, but many such plans also feature some amount of trip cancellation coverage also to cover baggage loss and trip delay too. It is easy for anyone to enroll in a plan featured on TravelMedicalInsurance.Net by completing an online application and paying the premium using a credit card. Travelers can shop online and make a purchase of travel health insurance at any time and from anywhere across the globe.