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A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.

Travel health insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

A travel health insurance plan covers:

1. Any new sickness or injury that occurs during the trip after the start of the policy.
2. Accidents or illness occurred during the trip
3. Medical emergencies and medical evacuation
4. Cover for hospital treatment ,doctor expenses and prescribed drugs
5. Some plans cover acute onset of pre-existing conditions
6. Dental emergencies (again offered by some insurance plans)

1. Preventive care like routine health checks, physical examinations, inoculation, vaccination
2. Regular treatment for pre-existing conditions
3. Maternity coverage if conception occurs before purchase of visitor health insurance

There are broadly two types of US visitors health insurance that a traveler can choose based on their travel requirements.

• Fixed benefit travel insurance coverage :A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.
• Comprehensive travel insurance coverage :Comprehensive travel insurance offers exhaustive coverage but are more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services. There are many US insurance providers who offer good comprehensive visitors health insurance plans like Patriot America Plus, Safe Travel USA Comprehensive, Atlas Travel and Liaison Travel Plus.

• Hospitals and Urgent care– the Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.
• Prescriptions– The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.

Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.

American visitor insurance works hard to offer travelers some of the best visitor health insurance options. Buying visitors insurance is easy at American Visitor Insurance and travelers can compare several plans both for prices and benefits according to their requirements. The 24/7 customer support service by licensed agents will provide answers to all questions by the customers with instant policy documents by Email. Feel free to give a call or email and one of our customer support licensed agents will be able to help further.