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Best Visitors Insurance
"What is the best visitors insurance plan?" That is the question many customers ask us.
Healthcare in United States is very expensive. Therefore, most people whose relatives are visiting the USA buy the visitors insurance. However, there are many choices available in the market for visitors insurance. Therefore, often the customers ask the question to us: What is the best visitors insurance plan?
Well, there is no simple answer to that as it is really subjective regarding how to measure the best visitors insurance plan among many visitors insurance plans available in the U.S. itself.
Again, are you looking for best visitors insurance in terms of price or in terms of coverage? Of course, there is no such thing as best visitors insurance both in terms of price and coverage. You can't expect the low priced visitors insurance to provide the best coverage. And you can't expect the best coverage plan to be cheapest either. Again, the same visitors insurance plan may not be most suitable in all circumstances.
In such a scenario, how do you decide which one is the best visitors insurance? This guide attempts to help make the determination. It describes various visitors insurance plans so that you can decide which one is the best for you.
There are primarily two types of visitors insurance plans:
Fixed: Cheaper, limited coverage plans
Comprehensive: More expensive, much better plans
More information about visitors insurance types
There are two major visitors insurance plans in the fixed coverage category: Visitor Secure and Inbound USA. These are two similar plans from two competing companies. In Visitor Secure, the policy maximum is for the life of the policy, while the deductible is per incident, while in Inbound USA, both the policy maximum and the deductible are per incident. None of the fixed coverage plans participate in a PPO network, therefore there are no Network Negotiated Fees. Visitors Care offers limited pre-existing conditions coverage up to $5,000 ($2,500 for age 70 and older) in case of hospitalization due to heart attack or stroke, at 29% higher premium. On the other hand, Visitor Secure and Inbound USA covers an acute onset of pre-existing conditions up to the policy maximum per per of coverage, at no additional charge.
As the fixed coverage visitors insurance plans pay only the portion of the actual cost, we always recommend everyone to buy the comprehensive visitors insurance plan.
After you pay the deductible once, Atlas America covers 100% up to the policy maximum as long as you go to the providers in the First Health PPO network and they bill directly. Otherwise, it pays 80% for first $5,000 in covered medical expenses, and then pays 100% up to the policy maximum. For persons below 70 years of age , Atlas America covers up to overall policy maximum in acute onset of pre-existing conditions. Therefore, any one who is looking for acute onset of pre-existing conditions, Atlas America is an excellent choice.
After you pay the deductible once, Patriot America covers 90% up to $5,000 in covered medical expenses (you pay 10%) and then it pays 100% up to the policy maximum. Patriot America must be purchased for a minimum of 1 month initially in order to be able to renew in future, if you are buying for less than 1 month initially, it is preferable to buy any other comprehensive visitors insurance that allows you to renew. Patriot America Plus is similar to Patriot America but covers acute onset of pre-existing conditions up to the policy maximum (and maximum up to $500,000) for persons under the age of 70 years. If you are looking for 100% coinsurance after the deductible, consider Patriot Platinum America. Patriot Platinum America provides a minimum of $1 million coverage for persons below 70 years of age. However, if the person is in the age group of 70 to 79 years, Patriot Platinum America is a good comprehensive plan for a $100,000 policy maximum.
There are Liaison series of visitors medical insurance plans such as Liaison International, Liaison Continent, Liaison Majestic that have similar prices and similar coverages, the main difference being the policy maximum, coinsurance amounts and out of pocket maximum. Liaison Continent covers up to $45,000 in acute onset of pre-existing conditions for persons below the age of 65 years and $2,000 for ages 65-69 years. Liaison International covers up to $15,000 in acute onset of pre-existing conditions for persons below the age of 70 years.
We hope that this would give you a good idea for choosing the best visitors insurance plan for your particular needs and circumstances.
You can compare different visitors insurance plans side by side on this web site and if you have any questions, please feel free to contact us at any time.