USA Travel Insurance

Visiting the USA can be an exciting and rewarding experience, but it can become very unpleasant and challenging when sickness or injury occurs and medical services or medical evacuation is needed. Medical care is excellent in most parts of the US, but it can be very expensive and even astronomical for cases of critical illness. Many travelers purchase supplementary international medical insurance or travel insurance to avoid the staggering costs that might result from serious sickness or injury on their trip.

When you are planning your trip, it is a good idea to contact your primary healthcare provider or insurer in your home country to determine if you are covered and under what circumstances and to what extent while traveling abroad. You may be surprised to find that your health care provider offers little or no protection while traveling in the USA. If this is the case, it might be wise to purchase international travel insurance.

Many people are familiar with flight accident insurance, which pays you a large sum of money if you are killed or seriously injured in an air accident. This type of insurance policy normally does not cover any medical expenses resulting from illness or other types of accidents while traveling.

Travel agencies frequently offer travel protection plans or trip cancellation insurance. These usually cover the cost of travel expenses should you be forced to cancel your vacation due to accident, illness or certain other causes. They often cover travel assistance services, protection for lost or damaged baggage and limited medical coverage. There may or may not be a deductible or co-pay for covered medical expenses.

International Medical Insurance is short or long term insurance designed to reimburse you for medical expenses incurred while traveling or living in a foreign country. Maximum policy coverage is usually large enough to cover major medical expenses such as emergency surgery and extended hospital stays. "American Style" of international medical insurance coverage is usually subject to a specified deductible and co-insurance or co-pay. Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. The plan coverage may be single trip, multi-trip or renewable.