Visitor Care Insurance Policies
Visitor Care Insurance is a popular choice of visiting parents and senior citizens above 65 years of age who are planning on an overseas trip. visitor insurance offers beneficial and comprehensive coverage at affordable rates.
This visitor insurance plan can be purchased even by non US citizens who are planning for an overseas trip. The initial coverage period for individuals who have crossed 65 years should start within just 30 days of arrival in the country. Otherwise, the traveler should provide adequate proof of any other valid health insurance coverage. Individuals who are not in the US while applying should mention the expected arrival date clearly in enrollment form.
The Visitors Care Insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.
Individuals consulting a medical professional who is a part of the PPO (Preferred Provider Organization) network would entitle treatment at subsidized prices and also reduce the out-of-pocket costs to the maximum.
Coverage becomes effective when the completed application form along with the initial payment is received by the insurance provider. Otherwise, it would start on the date of departure of the individual from the native country or any specific preferred date mentioned in the application form while submitting.
The validity of the visitor health insurance policy continues till the insured returns back to the homeland after the trip. The policy also lapses in between the trip if it crosses the expiry date without renewal or on a preferred specific date mentioned by the insured in the application form.
Individuals can choose from 3 different insurance options offered by the Visitors Care travel health insurance policy. Each of these choices has different policy maximums. Coverage is available for as short as 5 days and the insured can purchase the policy for a period of 1 year. Renewal can be done for a maximum period of 2 years at a time.
The insured individuals would be reimbursed the full amount if a cancellation request is submitted before the effective coverage period of the Visitor Care insurance plan begins. Otherwise, the refund amount would be calculated on a pro rated basis if no claims have been files so far under the health insurance plan. A nominal cancellation processing fee is also charged when the request is placed.