07 Oct 09 Visitor Care Insurance For International travel

by Ray Sondeo

Visitors Care Insurance is a plan with a wide variety of plan options for travel outside a person's home country. It offers basic coverage for short-term international travel. The visitors insurance plan offers three levels of maximum benefits, and three deductibles, for a total of nine options. The maximum visitor insurance benefits are $25,000, $50,000 and $100,000, and the deductibles are $0, $50, and $100.

The duration of the visitor insurance plan can be as short as five days, and as long as 12 months. If additional coverage is required, the plan allows extension for another 12 months; however, this will be under a new policy.

For all options of the Visitors Care insurance policy, the following benefits are offered, with equal coverage limits: emergency evacuation, return of mortal remains in case of death, incidental home country coverage for short in-between trips to the home country, and common carrier accident death benefit.

While the presence of coverage is standard across the Visitor Care Insurance plan options, the level of coverage differs. The common medical benefits include ambulance charges, inpatient and outpatient treatment, physician consultation, surgery, physician visits, diagnostic tests, prescription medicines, nursing charges, and physiotherapy. Dental expenses are covered by the visitor health insurance plan in case of damage to natural teeth due to an accident.

In Visitors Care, you get fixed benefits. That means that each benefit has a predetermined coverage maximum, and if the costs are more than the insured amount, you must pay the excess amount.

Your visitor insurance policy usually covers new or hitherto undetected medical conditions and injuries. However, you cannot usually claim reimbursement for costs related to pre-existing conditions, wellness visits and maternity.

It is often easier to use a provider within the preferred provider network because the Preferred Provider Organization (PPO) may be able to directly work with the policy. This means that no cash is required during billing. However, it is not required to seek medical care within the preferred provider network. The PPO links to a list of relevant providers in the United States, and for international travel, the insured can access the Visitors Care Insurance online list of health care providers. For emergencies, travel-related aid is available 24/7.

Visitors Care insurance is underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by S&P. In general, your visitors insurance policies are underwritten by well-known companies.

About the Author:

Ray Sondeo often writes about Visitor insurance.

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