Modern American history in many ways started with the declaration of independence in the year 1776. Till 1776, the United States territories were inhabited by Native Americans till the arrival of the Europeans. The Europeans first reached the American continent with the voyage of Christopher Columbus in 1492. It was in the 18th Century, during the American Revolution thirteen colonies were declared independent from the British Empire. The US Constitution was made as the basis for United States federal government in the year 1789. Though it was independent, being a young nation America struggled with the scope of central government and with European influence. This circumstance led to the formation of first political parties in 1790s. A fresh war for independence was fought again in the year 1812.
America grew as an industrialized power by the early 20th century. The industry and politics was reformed after the lifestyle changes and which led to the progressive movement. A stable overall GDP growth rate has been maintained in the US economy over the years. The United States for most of its modern history is well known for
America is one of the most developed economies and has a very sophisticated health care system. However this healthcare system is very expensive, and hence most US residents have some form of medical insurance. Just to bring some glimpses of the USA health care system, during the times of President Obama there was an increasing rate of uninsured Americans which was a hot political topic. This made way for the Affordable care act, popularly known as the Obama care introduced by President Obama. Visitors to the US should be aware of this high health care costs and a system where healthcare is paid for through insurance. In this context, they should consider buying travel medical insurance to be safe from insolvency in case of a medical emergency.
Citizens of different foreign countries immigrate to the USA in search of better professional and business opportunities. The American labor market has attracted immigrants from all over the world and has one of the world's highest migration rates even when compared to other developed countries.
However, the economic crisis in the year 2008 - 2009 reduced the number of immigrants and pushed USA to the fourth position in Global Competitiveness Report. The population growth and cultural changes in the USA is due to the high rate of immigration from across the globe. After the liberalization of immigration policy in 1965, the number of immigrants living in the US has increased from 9.6 million in 1970 to about 38 million in 2007. This shows that the American economy has hugely attracted global professionals and graduates and encouraged them to pursue their career in the US from across the globe.
Today, America has a large number of legal immigrants residing here for several different reasons. These professionals, students, and businessman often have their close family members visiting from their home countries, especially during special occasions in the USA. Given the high cost of health care, it is however always advisable for new immigrants or visitors to have proper health insurance cover while staying for a short period. Visitors insurance for USA are plans offered by private insurers that is useful for the short term visitors. Those who are newly immigrating to the USA should ensure that they have proper medical insurance till they are eligible for domestic health care policies in America. If the traveller is new to the US culture and lifestyle, it makes sense to do a little reading before starting your journey to the US.
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments:
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.
Doctors visit:
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.
Pharmacy drugs:
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.
Surgery:
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.
Medical Evacuation:
The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains:
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.
Emergency dental coverage:
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.
1. Routine check-up and preventive care: Visitor insurance plans do not cover routine check-ups, preventive care, and other non-emergency medical services.
2. Mental health and substance abuse: Some visitor insurance plans exclude coverage for mental health services and substance abuse treatment.
3. High-risk activities: Certain high-risk activities, such as extreme sports or adventure activities, may not be covered under regular visitor insurance plans. It is possible to get an add-on benefit to coverage sporting activity
4. Acts of terrorism and war: Visitor insurance plans may exclude coverage for injuries or illnesses that result from acts of terrorism or war.
5. Pre-existing conditions: Some visitor insurance plans do not cover medical expenses related to pre-existing conditions while other may provide limited coverage for pre-existing ailments.
Please use the Visitors insurance compare tool on American Visitor Insurance to review the coverage benefits as well as read the policy brochure to understand what is not covered.
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
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