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Visitor Medical Insurance for Visitors to USA-SHMedics

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Visitor Medical Insurance for Visitors to USA-SHMedics Empty Visitor Medical Insurance for Visitors to USA-SHMedics

Post by shmedics Sat Nov 03, 2018 1:31 am

Planning for an international trip? Many questions will arrive in your mind. What to carry, What are the best places to visit, Best hotels to book, Popular arts in your destination, Popular food to try over there, etc., etc.,
That was perfect, but we have to think one more thing "How to make a trip safe and hassle-free".
Visitors insurance helps to secure your trip.
Let us discuss visitors insurance and its benefits in this forum:
Prior to that what is the visitor’s insurance:
Visitors insurance can say as short-term medical insurance that includes total travel emergency coverage for international trips.
In the countries like USA or Canada, the medical costs are very high compared to India it will be costs in thousands even for a doctor visit. To prevent all these better to get insure your trip.
Let us discuss the various segments of visitors insurance
Visitor’s Medical insurance:
It is mandatory for all the visitors in almost all the countries and also highly advisable for international trips even if you are healthy, because of unforeseen medical situations.
The following will cover under the policy
Accidental and death covers
Health and hospital covers (X-Rays, doctor fee, etc.)
Unforeseen medical emergencies
2. Visitors Travel Insurance:
Many companies provide total travel coverage for your trip.
It will be useful in the following situations:
Baggage loss:
While you are covered under travel insurance, the airlines will bear the amount if your baggage is misplaced. You can avail the compensation to buy essential things immediately.
loss of travel documents:
The insurance agency will help you to arrange duplicate documents within a little time when you lose your travel documents like (ID proofs, Passport, etc.).
3. Trip cancellations:
If your trip may be canceled or postponed due to any reasons the partial amount will be redeemed by the insurance company.
4. Delay or cancellation of flights:
If the flight is canceled or delayed there is no need to terminate the trip, you can book the next flight and the charges will be bearable by the insurance company.
Note: Not all the companies will include compensation policies. Please verify once while you choose.
Visitor insurance for parents:
A dear immigrant, Parents visiting your place is definitely an exciting thing, but we have to think about their safety and health. Parent’s visitors’ policy will help to secure your parent's trip, It is recommended to purchase separate policies for your parents for better control.
You can purchase the policy on behalf of your parents. Most insurance companies are averse to give higher policy maximum benefits for people above 70 years of age. You can choose less coverage plan if your parents stay mostly in indoor and according to their pre-existing health conditions.
Separate medical policies will be offered for the age above 80 years. We can also extend the policy period and comprehensive plans are better for the aged.
Visitor insurance for students:
It is very proud to study in abroad but it includes the number of risks. Facing emergency situations alone is not a little matter, so in abroad buying a student comprehensive travel insurance is a must. Many colleges themselves provide travel policies for their students from other countries.
Benefits under this policy:
Cover all hospitalization expenses, loss of baggage, accident to sponsor, family visit and other incidental expenses.
Covers you against bail bonds and tuition fee.
Covers you against loss of passport.
Immediate response and help in time.
5. Group travel insurance:
Whether it is a business group or any family or friends more than 5 people, Group insurance policies will also be available for international trips.
Costs less when compared to individual policies.
Very convenient and easy to manage.
One master policy is provided with individual ID cards for each traveler.
1. Everyone in the group should have the same start date & end date for the policy.
2. All the members of the group should meet the basic eligibility criteria for the particular travel insurance policy being purchased.
3. Should be provided with unique identity proofs.
6. Multi-trip insurances:
Multi-Trip insurances will be very useful for the frequent visitors of abroad.
Ideal for you if you have to fly out very often.
More flexibility for last minute trips.
Very useful if you have a relative in abroad whom you wish to visit several times a year.
Covers losses and expenses incurred due to unexpected emergencies abroad.
Very economical rather than single trip plans.

Common Exclusions in the above insurance policies:

1. Any pre- existing medical conditions
2. Medical expenses beyond the expiry of the policy period.
3. Canceling or interrupting your trip for a non-covered reason.
4. Suicide attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or the abuse of drugs.
5. Complications in Pregnancy, resulting in childbirth, miscarriage, abortion.
6. Experimental, unproven or non-standard treatment.
Treatment by any other system other than modern medicine (as Allopathic).
7. Cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
8. Delay of baggage in the home country India.
9. Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police or any other authority.
10. The loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
11. Loss caused by the insured's failure to take reasonable steps to guard against the loss of a passport.
12. Any losses due to civil unrest, self-inflicted injury, terrorism, alcohol and drugs, and more.
13. Risky activities such as skiing, snowboarding, parasailing, hang-gliding and more.
14. Expensive items like jewelry, cameras, electronics, clothing, and more (we have to insure them separately).
Tips to keep in mind while buying the policy:
1. Please do research though net or in your circle or take expert's suggestion to buy the best policy.
2. Do not think about the money only consider the benefits of the plan.
3. Check out the inclusions and exclusions thoroughly.
4. Check the refund policy of Travel Insurance.
5. Check for the reviews before buying.
6. Please make sure that if you book travel tickets through your credit card you have to buy the insurance policy through credit card itself.
“Choose the best policy for the safe and hassle-free international journey”.


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Join date : 2018-11-01

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