Moving to the United States is a wonderful and exciting opportunity. Whether you are moving down there for school or work, the adventure is sure to be a memorable one. Once you’ve made the move to the United States, having your parents come to visit you will be an amazing opportunity for both you and your parents.
It is very important to remember to obtain travel medical insurance before travelling into the USA. Medical care costs in the United States are some of the most expensive in the world, and having an unexpected emergency can cause a tremendous financial burden. Although an emergency can happen at any time, purchasing travel medical insurance will lessen the financial burden, and allow you and your family to focus on your recovery.
1. Obtain a comprehensive travel insurance policy
While travelling into the United States, it is highly recommended that you obtain a comprehensive travel insurance policy. This will ensure that you are covered properly for any emergency that may arise while you’re away on your holiday. A comprehensive medical plan will allow coverage for medical emergencies, coverage for pre-existing conditions as well as medical evacuation. The first thing to ruin a wonderful holiday will be an unforeseen emergency and not being able to pay the medical bills. This allows you to enjoy your holiday stress-free.
2. Buy separate insurance policies for both parents
We recommend obtaining a separate policy for each of your parents. When you purchase two separate policies for your parents, there may be a slightly higher cost for your medical coverage; however, you will have much more control. Whether that be the ability for one person to leave the holiday earlier then expected, or even if you are needing to cancel one parents’ coverage, two separate policies allow for flexibility and convenience.
3. Purchase a policy with the highest possible maximum
Naturally, the higher your coverage maximum is the more beneficial it is for the person needing coverage. That goes hand-in-hand to a higher cost for the travel insurance policy; however, the peace in mind knowing that you are fully covered for any emergency is seemingly priceless. Factors such as duration of stay, age and lifestyle will have an impact on the maximum coverage you are able to obtain, make sure to check in with an insurance broker to find the best possible policy for yourself.
4. Annual vs. single trip coverage
When searching for the best policy options, you should keep in mind the number of times you are planning on visiting the USA. Are you going once a year or multiple times within the one year? If you are only planning on visiting once, your single trip coverage will be suitable. However, if you are planning on visiting more then once, you should consider obtaining annual travel insurance coverage. The benefit of obtaining a multi-trip coverage plan is that it is often much more cost-effective in the long run. Who wouldn’t want to save money while travelling throughout the year?
5. Other important considerations include
Although there are plenty of things to consider while purchasing travel insurance for the USA, a few other key important considerations to think about are payout time & requirements, amount of premium, available upgrades and your knowledge on knowing what is and isn’t covered.
Payout time & other requirements consist of knowing whether or not you need to fill out a report on the incident for your claim, and which documents are required for your insurance claim. Are you needing to pay out the claim with future reimbursements or will your insurance company pay the hospital directly for you?
Your premium amount is the amount your insurance company is requiring you to pay beforehand. Typically, the higher the premium the more comprehensive your coverage is, but other factors such as region, age and lifestyle will also affect the cost of your premium.
Certain accidents may not be covered under your coverage plan, and it is very important to understand before departure what is covered and what isn’t. Often, plans will have the ability to add upgrades to existing plans depending on your needs. A few of these options include high-risk activities (sport and adventure activities) & traveling with pre-existing medical conditions.