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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.
Travel insurance for the United States is a necessity for all travelers, as U.S. healthcare costs are the highest in the world.
You may be wondering: "Do I need travel insurance to enter the USA?"
Legally, you do not as a tourist. However, from a practical perspective, it makes sense to purchase the best travel insurance for the USA that fits your budget and needs.
The United States is a vast country, with a varied geography and weather. The majority of its population lives on the two coasts. On the west coast, the major cities are Seattle, Portland, San Francisco, Los Angeles and San Diego. On the east coast, the major cities are Boston, New York, Philadelphia, Washington, D.C., Atlanta and Miami.
Millions of people travel to the United States every year for various reasons. Some people like to go to Disney World, New York City or other human-made wonders. Others want to explore nature and visit Niagara Falls, the Grand Canyon or the beaches of California.
While some people get to visit the United States easily with just ESTA, others have to go through an arduous visa process. Either way, it is important to remember that all healthcare in the United States is private. There is no socialized healthcare. Even if you are used to a socialized health care in your home country, the United States does not have any reciprocity with your country. Therefore, you will be responsible for your medical costs out of your pocket. Without proper travel insurance for the United States, most visitors just cannot afford medical treatment.
Many people traveling from countries where healthcare cost is cheap are used to paying out of their pocket, even for major surgeries, and may simply not realize how expensive the treatment could be. Unlike many countries, the United States has no set or fixed prices for various medical procedures. A simple visit to the emergency room could cost a few thousand dollars. A surgery may cost $10,000 or $85,000. Few days' hospital stay could run up the bill from $30,000 to $90,000.
As the United States is vast and geographically separated from most parts of the world, with many cities and tourist places, most people that visit the United States come for a few weeks to a few months.
Most people buy such insurance while traveling to the United States. There are many U.S.-based companies available to choose from. Most travel insurance plans fall into two categories:
We always recommend that everyone purchase comprehensive coverage plans.
Travel medical insurance plans are typically extendable and refundable, and they provide various policy-maximum choices and deductible choices. Many plans also cover acute onset of pre-existing conditions for people under a certain age up to a certain amount.
Most comprehensive coverage plans participate in a PPO network, which allows for cashless direct-billing treatment.
While most insurance companies provide travel medical insurance, some companies provide trip-cancellation insurance. In addition to covering other travel benefits, including emergency medical coverage, they also cover the prepaid, nonrefundable trip costs if you need to cancel the trip unexpectedly for a covered reason.
Travel insurance can be purchased either from your home country or the United States. However, U.S.-based insurance has many distinct advantages and therefore, it is recommended that you purchase from the United States.
Travel insurance for the United States provides other important benefits, such as trip interruption, loss of checked luggage, accidental death and dismemberment (AD&D), emergency medical evacuation, repatriation of remains, travel assistance and more.
Without proper travel insurance for the United States, if you were to get sick or injured, not only it would ruin your vacation, but it would be financially devastating to you.
If you are participating in hazardous sports activities, make sure to check the certificate wording to see if your specific sport is included. If not, you may be able to purchase an optional rider at an additional cost.
Even though the United States is generally considered a safe destination, there are specific risks associated with travel, such as terrorist incidents, random mass shootings, political climate and natural disasters such as tornadoes, hurricanes, fires, floods, blizzards and earthquakes.
Travel insurance for the United States has specific exclusions, and they vary by the particular plan that you purchase. However, the typical exclusions are pre-existing conditions, preventive checkups, dental, vision, etc.
All travel insurance for the United States is not alike. Even though there are similarities, there may be a lot of differences. Therefore, it is best to get various quotes from a comparison website such as this one, compare the plans side by side and make a purchase. For any questions, you can discuss with a U.S.-based licensed insurance agent to help you select the travel insurance plan most suitable for your specific needs.
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