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. visitors care insurance offers beneficial and comprehensive coverage at affordable rates.
Non US citizens who are traveling abroad are also eligible to purchase this visitor insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.
The Visitors Care Insurance covers pre-defined benefits for medical expenses that occur during the stay abroad. Some of the benefits offered by Visitor Care Insurance include hospitalization charges, prescription drug coverage, diagnostic tests, out-patient treatment, intensive care in the case of emergencies, dental injuries to sound natural teeth due to accidents during the stay abroad, doctor consultation, surgeries, private nursing care and local ambulance transport.
The insured are entitled to subsidized treatment at beneficial rates if they consult a medical professional who is a part of the PPO (Preferred Provider Organization) network. This would ensure that the out-of-pocket costs expenses are the least while the patient undergoes treatment.
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 visitor health insurance policy would remain valid until the expiry date or till the insured returns back to the homeland. Otherwise, a preferred date till when the policy should be valid can be mentioned in the application form also.
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.
Cancellation requests should be submitted before the effective start date of the Visitor Care insurance plan in order to get full refund. Otherwise, refunds would be given on a pro rated basis provided the insured has not filed for any claims under the medical insurance plan after deducting a nominal cancellation processing fee.
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