Top 5 Reasons to Buy Visitor Insurance
Angela Borden | Jan 6, 2022
When you’re planning a trip for friends and family who are traveling to the United States, does visitor insurance enter your mind?
Most likely, it’s not the first thing that pops in your brain. Travel insurance is certainly not an exciting topic and one of the least fun aspects of planning a trip. However, it can often prove well worth having.Better Safe than Sorry
Visitor travel insurance is an important option for travelers, and it’s a good idea to consider whether it’s appropriate for your family and friends, if they are coming to the United States to visit.
The general idea behind any type of insurance is that you pay a small amount upfront to provide protection against a potentially large and unexpected loss that could occur later.
Each travel scenario is different, and a visitor insurance plan is a great option for many travelers. Overall, there are five main reasons to consider buying visitor insurance coverage. Think about these and consider how they apply to your family and friends to determine if it’s a wise investment.
1. Medical treatment in the United States is more expensive than most other locations in the world.
Unless you have set aside a large amount of money to cover potential medical expenses that could occur during a visit to the United States, it could be financially devastating if you or a family member became seriously ill or hurt during your trip.
Depending on the extent of the injury or illness and the type of medical treatment required, you could be financially responsible for a large bill.
2. With a visitor insurance plan, you pay a small price for coverage that protects you if you become sick or injured while traveling.
As explained earlier, you trade a small and certain payment (the premium) to be covered for a possibly large medical expense later. When you review pricing for visitor insurance plans,
you will find that it’s very economical.
One of the reasons pricing is inexpensive for a visitor plan is because of the way the benefits are addressed. Visitor insurance plans typically provide scheduled benefits which pay a stated dollar amount for each type of medical treatment or service you receive. For example, a physician's non-surgical or urgent care visit may be limited to $75 per visit and cover up to a total of 10 visits per illness or injury. This means the plan will not pay more than $75 per visit even if the medical provider bills a higher amount.
In addition, insurance is provided per injury or illness, and there is an overall medical maximum limit you can choose for this. For example, if you choose a $120,000 medical maximum, that is the most we'll pay in total for all medical
expenses related to that injury or illness.
You can customize the plan by choosing the maximum benefit limit per sickness or injury as well as the deductible.
3. Without insurance, someone who becomes ill or gets hurt while visiting the U.S. may not seek the treatment they need for fear of having to pay a large bill.
This could have a disastrous effect if a visitor waits to receive the care they really need until they return home.
Depending on the nature of the injury or illness, waiting to receive necessary medical treatment could have serious and long-term effects.
4. Many visitor insurance plans include travel assistance services.
With a plan from Seven Corners, you receive 24/7 assistance from our multilingual team. This is a reassuring benefit that can prove helpful for visitors to the U.S. who need assistance navigating the medical system here.
Our team helps travelers everyday, and they understand the types of concerns that came come up when traveling.
5. Where do visitors go to receive care while visiting the United States?
Most visitor insurance plans do not require the use of a network of medical providers. This means visitors are free to seek care from any facility or physician they wish. This can be helpful if your family or friends have a medical provider they really like because you can receive treatment there too.
If you are traveling throughout the United States during your visit and you are not certain where to seek medical treatment, you may call Seven Corners' bilingual customer service team at 1-800-335-0477 or visit our Find a Doctor page.
This provides guidance on medical facilities nearby that provide the needed treatment. The United States is big. If you’re traveling around the U.S. with your family and friends from abroad, and you’re not familiar with the area you are visiting, you can refer to the network if one of them needs medical care while here.
Protect Your Visiting Guests
So basically, a visitors insurance plan can take the confusion out of seeking medical care in the United States and at the same time protect visitors’ wallets from the high cost of care.
Seven Corners offers several types of visitor insurance options for you. Check them out and see which one is best for your family and friends!
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