Visitor Care Insurance is a visitor insurance policy which offers affordable and beneficial coverage for individuals outside their homeland. Since senior citizens who are more than 65 years old are also eligible for coverage, this is a popular choice among parents or overseas travelers who travel to the US.
Non US citizens who are traveling abroad are also eligible to purchase this visitor care insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.
The Visitors Care Insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.
The insured individuals can reap best benefits by consulting any medical expert, hospital or clinic that are a part of the PPO (Preferred Provider Organization) network. This would entitle them treatments at discounted prices and also reduce the out-of-pocket costs during the course of treatment.
Coverage becomes effective when the completed application form along with the initial payment is received by the insurance provider. Otherwise, it would start on the date of departure of the individual from the native country or any specific preferred date mentioned in the application form while submitting.
The visitor health insurance policy would remain valid until the expiry date or till the insured returns back to the homeland. Otherwise, a preferred date till when the policy should be valid can be mentioned in the application form also.
Visitors Care travel health insurance policy offers three choices for the individuals with varying policy maximums. Individuals can purchase this medical insurance plan for a period as short as 5 days up to a maximum of 1 year during the initial purchase. Renewal of this travel medical insurance plan is allowed for a maximum of 2 years at a stretch.
The insured individuals are entitled for a full refund if the cancellation request is submitted before the beginning of the effective start date of the Visitor Care insurance plan. Otherwise, refunds would be calculated for the remaining valid period if there are no claims filed so far under the medical insurance policy. A nominal cancellation fee is deducted while processing the cancellation request.
