Summary regarding the need for travel insurance when you visit the USA. Your own health plan will likely not cover you if you suffer an accident or need routine medical treatment.
Things to Consider When Purchasing Travel Insurance for the USA
When traveling to the USA, it’s unlikely that your own medical insurance will cover you should you find yourself in a situation where you need to use it. To alleviate this concern, it’s wise to purchase a type of holiday travel insurance that will cover any unexpected illness. If you are immigrating to the United States, this insurance is even more important.
Medicare & Medicaid for Immigrants
In most situations, immigrants to the United States are not immediately eligible for state or federally funded insurance coverage. Some require you to already have a green card. Others mandate certain income, residency or citizenship requirements before you may be eligible. Depending on your unique situation, you may not be eligible for any program for quite some time. Travel insurance can help bridge the gap until you are eligible for other options.
Types of Insurance Available
Things you should consider when purchasing travel insurance include the type of coverage and where providers are located. It’s not helpful to purchase a plan that only covers catastrophic accidents or only has providers in major cities if that’s not where you plan to visit. You’ll also need to look at the dates of your coverage and whether or not you have the option to extend it, should that be necessary. Finally, the cost of coverage is important. You need something affordable that will provide the degree of coverage you need for both minor and major medical issues.
Cost of Travel Insurance
The cost of travel insurance will vary a great degree. Sometimes it will depend on the traveler’s age, the type of plan chosen and the plan coverage limit. The cost of this insurance may also include other accident issues such as if the airline loses your baggage or if you miss a connecting flight. Before signing up for a plan, make sure that you read the fine print and understand what the cost covers and what it does not.