Visitor Care Insurance For International travel
Traveling outside the home country can be an eye-opening experience. To get the best out of your international travel, you want to be well-insured. Visitors Care Insurance offers a basic visitor health insurance plan with flexible options and a range of deductibles and maximum benefits for short travel outside your home country.
You can request Visitors Care insurance for any period from 5 days to 12 months, with a possibility of extension for another 12 months. The extension, however, will fall under a new policy, with new parameters such as deductibles and pre-existing conditions.
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.
Whether or not a medical situation is covered is the same for all Visitors Care plan options. However, the reimbursement or coverage limit is determined by the visitors care insurance plan you choose. All plans cover basic medical expenses such as consultation and hospitalization expenses, ambulance charges, surgical costs, and costs related to diagnostic tests and prescription medicines. Nursing and physiotherapy charges are also covered. Dental procedures are covered in the Visitors Care plan if natural teeth are damaged in an accident.
Benefits under Visitors Care are not just capped by the maximum benefit chosen, but also depend on the limits set for each benefit. The plan holder must pay the amount that exceeds the specified maximum for that benefit.
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.
The policy does not require you to seek doctors or hospitals from the preferred provider network, but that can be an easier process than going outside the network. Often, Preferred Provider Organizations, commonly called PPOs, have direct links to the insurance policy, and can ensure that you are not required to pay cash, saving you time and stress. The PPO also has a database of affiliated U.S. doctors and hospitals. If you’re traveling outside the United States, you can use the database of Visitors Care Insurance to locate a physician or hospital. In a travel-related emergency, you can also access the 24-hour assistance service.
Several well-known and established insurance companies underwrite visitor insurance policies. Visitor Care insurance is underwritten by Sirius International Insurance Corporation (publ), which is rated A (excellent) by A.M. Best and A- by S&P.
