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How to Select Visitors Insurance for Your Loved Ones Visiting the USA
Friday, 30 August 2019

 Are you planning to bring your parents to the United States? Well, it is important to ensure they have their health insurance covered. 

 The cost of Medicare is quite high. It is expensive to suffer from an injury or fall ill while in the country. Yes, the law requires the emergency rooms in the country to offer treatment to all without considering their ability to pay. However, this does not prevent them from collecting their payments irrespective of where you reside. 

The emergency care bills plus other expenses will take a huge toll on your finances. Visits to an emergency room can cost from $150 to $1,000,000, depending on the nature and severity of your injuries. 

With these costs, you must buy an insurance policy to help you cater to the possibility of such bills. Here are some basic tips to help you choose the best policy. 

1. Consider Your Age 

Teenagers and young adults are least likely to fall sick on the trip to the US. However, children and the elderly are more likely to fall ill. 

For example, most insurance providers consider people above 70 years to be high-risk visitors. As such, they are likely to charge them higher premiums or refuse to cover them. 

However, some companies are willing to cover these people. Such companies are likely to offer a comprehensive policy that pays 100 percent compensation minus the deductibles. Some will cover the acute onset of an existing medical condition to a specific amount. 

So, are you bringing parents who areabove 70 years to the USA? Check through different providers to see whether they’ll cover their medical costs. 

2. Does Your State have Limitation on Travel Insurance? 

What are the rules governing visitors insurance?If you’re keen, there are no federal regulations regarding this policy. However, different states enact specific rules to govern these policies. 

Some states enact rules and limitations on insurance. For example, Maryland prohibits its residents from buying certain insurance plans. The restriction applies if your primary address is in a restricted state. Other than Maryland, states such as Colorado, South Dakota, Washington, and New York have similar restrictions. Be sure to check with different providers on various insurance restrictions. 

3. Watch Out for This When Buying this Policy 

When buying an insurance policy, it is important to focus on the details. Check the information nuggetsbelow to get a clear understanding of this policy. 

a) The Common Exclusions 

Before purchasing the policy, it is important to understand what it does and doesnot cover. Normally, the policy does not cover the following:
  • Preexisting medical conditions. 
  • Dermatological problems and skincare treatment.
  • Dental care procedures save for dental emergencies. 
  • Vision care treatment except for eye injuries or emergencies. 
  • Routine and preventative care, including vaccine and checkups. 
  • Injuries resulting from war or terrorism.
  • Pregnancy, childbirth, and maternity treatment conditions. 
  • Any injury from drugs or alcohol.
  • Injuries resulting from high-risk sports.
b) Request for Pre-Certification for Hospital Visits 
A pre-certification is also known as pre-approval, pre-authorization, and prior authorization. It is a notification seeking authorization for a treatment or prescription from your insurance company. Without this, your insurer may not cover your healthcare costs. 

For an out-network provider, contact the provider directly to get the authorization. If not, you’ll pay for the costs and seek reimbursements later. 

The following are the main cases where visitors and healthcare providers should request for pre-certification:
  • Where the visitor has to undergo major surgery.
  • An overnight stay at the facility.
  • Where prescription drugs are costly or have severe side effects. 
  • A referral to a specialized treatment like behavioral or occupational therapy. 
While these are the major cases requiring pre-authorization, some policies require the same for everything. Therefore, check with your provider before visiting the hospital for treatment. 


Traveling to the US offers an exciting and amazing experience. However, you should prepare for any eventuality in the process. For instance, what will you do if you run into a medical emergency? The cost of treatment may rise quickly, consuming all the money you have. Don’t let this happen. Purchase an insurance policy that’s within your budget and which meets your needs. Yes, this will cost money, but it will save you a lot of time and money in case of an accident.
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