Advantages Of Visitors Care Insurance

By: Ray Sondeo

Visitor Care Insurance is a beneficial and popular visitor insurance policy offering beneficial coverage. The premiums are affordable and individuals are covered while they travel outside their native country. Since senior citizens who are above 65 years old are also eligible for the policy, this visitor travel medical insurance plan is quite popular among parents visiting the US or international travelers.
Non US citizens traveling overseas can purchase this visitors care insurance plan. For individual who are more than 65 years of age, the initial coverage period should start within 30 days of arriving in the US unless the traveler holds sufficient proof of a valid international travel medical insurance plan. In case the applicant is not in the US at the time of enrollment, the expected arrival date in the country should be mentioned in the application form.
The Visitors Care Insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.
The insured individuals can reap best benefits by consulting any medical expert, hospital or clinic that are a part of the PPO (Preferred Provider Organization) network. This would entitle them treatments at discounted prices and also reduce the out-of-pocket costs during the course of treatment.
Coverage becomes effective when the completed application form along with the initial payment is received by the insurance provider. Otherwise, it would start on the date of departure of the individual from the native country or any specific preferred date mentioned in the application form while submitting.
The visitor health insurance policy will be valid till the return date of the insured back to the native country or the lapse or expiry of the visitor care insurance policy or the date of coverage specified in the application form.
Individuals can choose from 3 different insurance options offered by the Visitors Care travel health insurance policy. Each of these choices has different policy maximums. Coverage is available for as short as 5 days and the insured can purchase the policy for a period of 1 year. Renewal can be done for a maximum period of 2 years at a time.
The insured individuals are entitled for a full refund if the cancellation request is submitted before the beginning of the effective start date of the Visitor Care insurance plan. Otherwise, refunds would be calculated for the remaining valid period if there are no claims filed so far under the medical insurance policy. A nominal cancellation fee is deducted while processing the cancellation request.

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Ray Sondeo often writes about Visitor insurance.

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