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Tips to buy Visitors Insurance

So your parents or relatives are planning to come and visit you in USA or you are planning to go on that Europe trip that you always dream of. Don’t forget to get the proper protection right after you get the visa.

Lately I always hear that rising cost of medical treatment in USA has been discouraging lot of seniors to visit USA. Some of these expenses could be easily avoided by purchasing proper visitors medical insurance.

Here are few tips to keep in mind:

• TRIP Insurance: If you have planned an expensive trip, make sure to buy TRIP insurance that will pay if the trip is cancelled for some reason. e.g. if you have non-refundable flight ticket and you get sick on the day of your flight, the coverage will cover the lost money for the flight.

• Direct Billing or Reimbursement: Most insurance companies will have a PPO network that they have leased. Its always better to go to in-network providers as you will get a must better negotiated rates. Check to see if your expenses are covered up front or if you pay and get reimbursed later.

• Deductible: Deductible is the amount you pay upfront before the insurance company pays anything. Usually you can get higher deductible to keep premiums lower. Most common deductibles for people purchasing visitors insurance for their parents are $250 or $500. Make sure you understand the deductible and any coverage limits.

• Coinsurance: Most travel insurance plans have coinsurance usually its 80% which means that insurance company will pay 80% and you pay 20% up to a max amount usually $5K.

• Medications: Its always recommended that people traveling carry their medication for the whole trip. If you’re on medications, be sure your policy covers replacement costs.

• Pre-existing conditions: Most visitors insurance do not cover pre-existing conditions. They cover something called “Acute onset of pre-existing conditions” which means that if there is a sudden reoccurrence of symptoms or disease you will be covered for a amount that is usually much less than total coverage. E.g. if you buy a policy for $100K coverage, your coverage for “Acute onset of pre-ex conditions” might be $15K only.

• Beware of policies bundled with your trip by your travel agent. They’re often substantially more expensive.

Medical Evacuation: Most policies with travel insurance and visitors medical insurance has this coverage included.

• Find out what hazardous activities are covered and weigh that against your recreation plans.

• In Flight coverage: Most claims happen during the first few days of the travel. Maximize your coverage by buying at least two weeks before your trip and make sure that you are covered during the trip.