Safe Travels for Visitors to the USA is a fixed coverage plan for non-U.S. residents traveling to the U.S. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you complete your purchase, you will receive a virtual id card in your email.
What is covered and not covered?
Safe Travels for Visitors to the USA will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years. For people 70 and older the maximum benefit is $25,000 per period of coverage.
Prescription drugs are covered according to the schedule of benefits for covered medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.Safe Travels for Visitors to the USA provides coverage in the USA including travel time.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
You will have to pay a deductible (varies from $0 to $200, depending upon the age group) per incident (sickness or injury) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.
After that, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay all the difference yourself beyond that, there is no out of pocket maximum.
Schedule of Benefits
Lets assume that you have taken $50,000 policy maximum with $50 deductible.
Lets assume that the doctor charges $140/visit.
Visit 1: Insurance company covers $55. You have an unsatisfied deductible of $50. The plan would pay $5 ($55 - $50).
Visit 2: As you have satisfied your deductible, the plan pays $55.
For all subsequent visits for the same injury or illness, up to the number of covered number of visits, it will continue to pay $55/visit.
You need to go to an emergency room visit which costs you $2,400. The insurance company covers $350. After $50 deductible (if not already satisfied), it will pay $300 and you will pay $2,100.
Let's assume that you were in an accident, then hospitalized for 3 days and need one surgery. The total bill is $40,000. The plan will pay $1,400/day for hospital room/board and $3,500 for surgery for a total of $1,400 x 3 + $3,500 = $7,700, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,300.