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Visitors Insurance - Commonly Excluded Benefits

Visitors Insurance - Commonly Excluded Benefits

In general, insurance plans provide coverage according to the terms and conditions described in its certificate wording. Just like every other type of insurance (car insurance, home insurance, life insurance, etc.), visitors insurance plans have their own set of restrictions and exclusions specific to visitors insurance. Visitors insurance plans have several commonly excluded benefits, there are many visitors insurance plans to choose from and each one is different. You should read the certificate wording of a plan you are considering carefully for complete details of its specific restrictions and exclusions as well as review for the commonly excluded benefits.

To learn more about common exclusions, read visitors insurance common exclusions.

The following are commonly excluded benefits in visitors insurance plans:

  1. Trip Cancellation

    Trip cancellation coverage is commonly included as part of travel insurance and excluded from insurance plan for visitors to the USA.

    Trip cancellation insurance covers the cost of non-refundable trip costs in case you need to cancel your trip due to covered reasons.

    There are not many travel insurance plans that provide trip cancellation coverage for visitors to USA, typically it is only available for US residents. The plans that provide coverage for US residents traveling outside the US are suitable for trip lengths up to 30 days. While many visitors traveling to the USA from half way around the world are likely to stay for a longer duration, perhaps 4 to 6 months or 1 year.

  2. Baggage Delay

    Loss of checked luggage is typically covered in visitors insurance but baggage delay is usually excluded.

    Trip cancellation insurance plans typically include baggage delay coverage but it is not a popular coverage among plans for visitors to USA because they have longer trips. Trip cancellation plans may also exclude important coverages like acute onset of pre-existing conditions.

  3. Passport Loss

    Loss of passport is typically not covered in visitors insurance plans.

  4. Over the Counter Medicine

    Over the counter medications are not covered by visitors insurance, or in fact, by any health insurance, even for US citizens and residents.

    It is the best to bring over the counter medications from your home country for common or minor ailments. If you need to buy such medicines in the U.S., you can simply walk into any local pharmacy and pay out of your pocket.

  5. Expensive Items

    If you are carrying expensive items such as laptop, tablet, jewelry, or clothing, and they are lost or damaged, they will not be covered by visitors insurance.

    Visitors insurance plans are primarily travel medical insurance and not property insurance.

  6. Exotic Coverages

    Some foreign travel insurance companies claim to cover random benefits such as hijack allowance, Golfer Hole-in-one, and so on. These are simply fluff coverages that almost no one ends up using. Therefore, they may look good on paper but provide no worthwhile coverage. On the other hand, their medical coverage may be severely limited and that is what you really need the most while traveling to USA as healthcare expenses are extremely high in the US.

  7. Medical Maximum as Life Insurance

    If you bought a plan with $100,000 policy maximum, it would cover medical expenses in case you became sick or injured while traveling outside your home country.

    However, if you were to die due to a sickness while on your trip, the insurance company will not go ahead and pay $100,000 to your relative. In other words, the medical maximum limit is not the same as a death benefit and cannot be used like life insurance.

  8. Not Following Rules

    Some visitors insurance plans have precertification requirements for certain medical expenses. If you don't follow the requirements, your benefits may be reduced by 20% or even 50%.

    Emergency medical evacuation and repatriation of remains expenses are covered only if all the arrangements are made through the insurance company or their emergency assistant department. If you make the arrangements yourself and pay out of your pocket, you can't file for reimbursement later.

After reading the commonly excluded benefits, you know it is very important to sensibly evaluate your needs and buy visitors insurance that would meet expectations.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did 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.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You 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.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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