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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.
Millions of visitors come to visit the United States every year. Some tourists come to the US by themselves, and many other people living in the US invite their parents, in-laws and other relatives to visit them, tour around and spend time with them in the US.
As the cost of health care is extremely high in the US, everyone taking a tour of the US should consider purchasing visitors insurance. When considering whether to buy insurance or not, what to buy, and who to buy from, many people have misconceptions about visitors insurance.
Simply told, there are many myths about visitors insurance.
Truth: Visitors insurance is primarily for healthy people who get sick or injured unexpectedly. No visitors insurance plan will cover people who are already sick.
Truth: Once the person is already sick or injured and you need to seek medical attention, no visitor medical insurance will cover the condition, it would be excluded as a pre-existing condition.
Truth: Acute onset of pre-existing conditions coverage is only for an unexpected reoccurrence of a condition that suddenly occurs after the effective date of the policy. This clause does not apply to people that are already sick.
Truth: US based visitors insurance companies pay hundreds of thousands of dollars in legitimate claims every year. The truth is, not all claims are payable. Most people only bother to write negative reviews when trying to shame an insurance company into paying for situations that were not covered to begin with, so you do not get an accurate picture of the entire situation by reading their complaint. Stories heard from 'friends' are not always accurate.
Truth: It is true that hospitals can't deny treatment for a life threating treatment. However, they are only required to stabilize you, they are not required to provide complete treatment. In any case, health care is not free in the US. Hospitals will demand payment from you if you don't have a proper visitors insurance plan.
Truth: That is simply not true. It would be grossly inaccurate to assume that the hospital visited hasn't had a similar type of patient with no intent to pay their bill. Many people have attempted to swindle hospitals; hospital administrators are familiar with such ploys and know better. Hospitals are businesses that need to make profit and they know how to collect money from you. You have a better chance of winning a jackpot or lottery than succeeding with such tactics.
Truth: Visitors insurance is for unexpected sicknesses or injuries. Anything can happen, at any time. While nothing might have been happened in 60 years, something new can happen in the blink of an eye. It is very important to purchase visitors insurance.
Truth: Any unexpected sickness or injury can happen at any time. People don't only get sick or become injured while touring around. In fact, many problems occur right at home or near home, and urgent medical attention is needed immediately. You should buy visitors insurance for them for the entire duration they will be in the US even if you don't plan on touring.
Truth: Visitors insurance prices depend upon the exact plan you choose, plan type, the policy maximum, deductible, age of the person, and the exact duration the insurance is desired. If all the parameters are identical, the price will be the same (unless the insurance company later changed their rates). With such a price difference, it is extremely unlikely that all the parameters are the same for you and your friend. These are reasons why the price varies for different people.
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