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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.
While shopping for visitors insurance, you may be wondering: "How much travel medical insurance do I need for the United States?"
But there is more to consider than just the premium: You should also pay attention to plans' benefits, features and exclusions. There are many factors that affect the visitors insurance premium. The following tips will help you keep your visitors insurance costs low.
There are primarily two types of visitors insurance plans:
Due to its lower costs, many people are tempted to purchase fixed coverage plans. However, fixed coverage plans aren't the best way to keep visitors insurance cost low. Carefully review the risks of purchasing a fixed coverage plan before falling to this common mistake.
We always encourage everyone to purchase comprehensive coverage plans only.
The deductible is amount you must pay before the insurance company pays for subsequent eligible expenses. If you are able to bear a little more risk, choose a higher deductible to reduce the visitors insurance premium.
Certain visitors insurance plans waive the deductible so that you are only subject to the copay. For example, you may pay $25 or $50 as your copay for every visit to urgent care.
If you buy visitor health insurance that covers urgent care, you can choose a higher deductible to save on the premium. For any minor ailments, you can simply visit urgent care and avoid paying the deductible.
In the small possibility that you would need major treatment, you would still pay the larger deductible. However, if the coverage for major treatments will not be necessary for your trip, you can save money in upfront premium.
Most visitors insurance plans are fully refundable before the effective date of the policy. Many visitor insurance plans are refundable even after the policy's effective date as long as no claims have been submitted since the original effective date.
Visitors medical insurance plans charge a $25 or $50 cancellation fee. Some visitor medical insurance plans may refund fully unused months while other plans may give you the pro-rated refund.
Before cancelling, look at all rules carefully. If you need to cancel with 1 month and 27 days left in the policy, a pro-rated refund, minus a $25 cancellation fee, would get you a much larger refund compared to a refund of fully unused months minus a $50 cancellation fee. In the latter scenario, you would get no money back for 27 days.
Buying a visitor insurance plan that is extendable has several advantages.
In an extendable plan, you don't have to pay the entire premium upfront.
If there is any chance that you may not stay on your trip for the entire planned duration, you can just buy a plan for a shorter duration and then extend your policy. Most plans have a $5 extension fee. Some plans have no extension fee as long as you extend for at least one month at a time.
All US based visitors insurance plans allow you to extend irrespective of whether there were any claims in the previous policy period.
Beware of some foreign based visitors insurance policies that allow you to extend only if you have no claims in the previous policy period. Also, make sure to understand the difference between extension and repurchase. When you extend the policy, the pre-existing condition exclusion is respective to the original effective date.
All major comprehensive coverage visitors insurance plans based in the US apply the deductible and the coinsurance only once, irrespective of how many times you extend the policy. Your per day premium is the same either way. So, other than potentially paying an extension fee when extending your policy (which is an easy online process), there are no disadvantages to purchasing an extendable plan.
In addition to the premium, some visitors insurance plans may charge an application fee, membership fee, extension fee or cancellation fees. Carefully examine all potential fees to calculate the overall cost of your visitors insurance.
Don't simply buy a visitors insurance plan just because your friend bought the same plan. Your friend's circumstances may not be the same as your own, even if they look similar at the surface. It's best to speak with a licensed, experienced visitors insurance broker to go over your specific situation so you can purchase the most suitable visitors insurance coverage at the lowest possible cost. Professional advice shouldn't cost any extra. In fact, consulting with a broker may save you a significant amount of money, not because the prices would be any different (as they are regulated by law), but because you'll be able to choose right combination of coverage for your needs. This web site has extensive information in an easy to understand format; however, there is no substitute for individualized professional advice.
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