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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Many people that invite senior citizens such as their parents, in-laws, or other relatives to the U.S. from abroad may purchase short-term travel medical insurance, also called visitors insurance or health insurance for foreign visitors, while they are in the U.S. for a short duration.
Many of those customers have domestic health insurance through their employers, where there are a lot more things covered including preventive care, immunization, pre-existing conditions, routine maintenance, and a lot more. Those are long-term, major health insurance plans that they have to keep year-round and pay a large premium for every month. As the employer may be paying a large portion of those premiums, they may not realize the how expensive health insurance in the U.S. is.
On the other hand, visitors insurance plans are low-cost, short-term, travel health insurance plans that will generally cover any new medical conditions, injuries, or accidents that may unexpectedly occur after the effective date of the policy. All such short-term international travel insurance plans come with their limitations, and some people may have trouble understanding what should be covered in and what to expect from visitors insurance.
It is very important to set the right expectations for visitors insurance.
The following is the partial list of common questions that people ask whether they are covered or not:
As the above items that people routinely end up needing are not covered, some people inaccurately claim that visitors insurance is useless. However, that is absolutely not the case. Some people even allege that visitors insurance is a scam and rip off, which is completely baseless, as none of the visitors insurance plans promise to cover such expenses in the first place. It is some of the customers that unreasonably expect them to be covered. As visitors insurance plans come at such a low cost and are intended to last only for a short duration, they can’t possibly afford to cover all these routine items that you would need.
Visitors insurance plans are not long-term health insurance plans and don’t cover all of your healthcare needs. However, you never know what kind of new medical conditions, injuries, or accidents you might face that occur unexpectedly after the effective date of the policy. That is what visitors insurance is meant to cover. As healthcare in the U.S. is very expensive, it is highly advisable to always purchase visitors insurance.
Even if you are a U.S. citizen between jobs and purchase short-term medical insurance, that also would not cover pre-existing conditions or routine healthcare expenses, but only new medical conditions, injuries, or accidents.
Some people mistakenly think that such restrictions are only in U.S.-based travel insurance companies and that they might be better off purchasing from their home country. You should carefully analyze buying travel insurance from U.S. vs home country before making any decision. Those traveling from India to the U.S. should read comparing travel insurance from U.S. vs India for further information.
In any case, there are many different visitors insurance plans available that differ in coverage and prices. Before making any decision, it is of utmost importance to review the certificate wording to understand what it covers and what it doesn’t.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More