If you haven't considered visitor medical insurance before, it may be time to consider the benefits you can gain. When you're preparing for a visitor from overseas or making plans for a celebratory trip abroad, the last thing you want to have happen is illness or accidents. Unfortunately, these things do occur and more frequently than we realize. With a travel policy, you're covered for any emergency that may occur, any time, any place.
It doesn't matter if an elderly relative trips and breaks a hip while visiting your home or whether your teenager is overseas and has a medical emergency. All that's required is contacting your insurance provider. Usually they will give you an insurance identity card that lists your policy number and an emergency number to call.
The total benefits received depends on a number of circumstances, including age. It covers USA citizens visiting overseas as well as green card holders or non-American visitors. The ceiling for benefits is $250,000. Seniors over 80, however, can expect a maximum of $15,000.
The length of time that travel can be covered by a single policy starts at less than a week and concludes two years later. If accident or illness occurs in that time, medical expenses will be covered for half a year. If the condition persists longer, chances are that the coverage can be extended.
There is a fairly wide range of plans available now. The price of these plans depends on the amount of coverage desired. There are rates of $100, $250 and so on, up to $2,500. Those in a younger age bracket pay a lower rate while those in their 70s and older will need to pay more.
Before making a conclusive decision, take time to read all that's mentioned in a policy. Not every policy has the same coverage. If you want to receive compensation, it pays to be aware of what exclusions will be considered.
When someone deliberately puts themselves in dangerous circumstances, that is considered policy exclusion. A previous medical condition would also be considered reason for an exclusion. In the case of a heart attack, a limited cover will be given. Another circumstance for exclusion is the use of alcohol or drugs.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
It doesn't matter if an elderly relative trips and breaks a hip while visiting your home or whether your teenager is overseas and has a medical emergency. All that's required is contacting your insurance provider. Usually they will give you an insurance identity card that lists your policy number and an emergency number to call.
The total benefits received depends on a number of circumstances, including age. It covers USA citizens visiting overseas as well as green card holders or non-American visitors. The ceiling for benefits is $250,000. Seniors over 80, however, can expect a maximum of $15,000.
The length of time that travel can be covered by a single policy starts at less than a week and concludes two years later. If accident or illness occurs in that time, medical expenses will be covered for half a year. If the condition persists longer, chances are that the coverage can be extended.
There is a fairly wide range of plans available now. The price of these plans depends on the amount of coverage desired. There are rates of $100, $250 and so on, up to $2,500. Those in a younger age bracket pay a lower rate while those in their 70s and older will need to pay more.
Before making a conclusive decision, take time to read all that's mentioned in a policy. Not every policy has the same coverage. If you want to receive compensation, it pays to be aware of what exclusions will be considered.
When someone deliberately puts themselves in dangerous circumstances, that is considered policy exclusion. A previous medical condition would also be considered reason for an exclusion. In the case of a heart attack, a limited cover will be given. Another circumstance for exclusion is the use of alcohol or drugs.
Why run the risk of spoiling a long awaited vacation or trip overseas for a loved one? Especially when it's possible to avoid heartache and financial risk by looking into visitor insurance ahead of time. That way you are guaranteed peace of mind no matter what happens.
About the Author:
Miranda Parker frequently writes about visitor insurance and visitor medical insurance.
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