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Like your prescription medicine, you should never forget your US Visitor insurance if you are traveling to the United States. Like it or not, you will never know when or where in the US a medical emergency can strike you. And if you are not prepared, it can cost you a lot and dampen an otherwise lively vacation.

What is US Visitor insurance?
It is just like any other health insurance product. It covers a recipient’s health care costs including hospitalization, surgery, intensive care, and even prescription drugs. As the name implies, a US Visitors Insurance is very specific to US visitors. Unless if you are traveling on business, tourist, or student visa; you cannot qualify for any plan. With this type of insurance, the insurance company directly pays the doctor and the hospital.

US visitors insurance is ideal for new immigrants in the United States. As it is, new immigrants usually aren’t eligible to purchase domestic health insurance products. Each state has different criteria for eligibility. Some states require two years of continuous residency. If your state does not allow you to purchase local health insurance, visitors insurance is your next best option. This type of insurance can cover you for up to three years.

Why You Should Have Visitors Insurance
The United States has one of the most advanced medical facilities and treatments in the world. Theirs are also very expensive. You can drain the money out of your pockets if you are hospitalized without any form of health insurance. Even worse, a single hospitalization can put you in debt. If you’re not able to pay your bills, you can ruin your credit ratings and make it harder for you to apply for any job opportunity.

Health Plans For The Traveler
If you’ll be traveling back and forth from the United States and to your home country, you should consider a Global health plan. You can be covered in the United States as well as in your home country. However, if you are traveling to the United States only for a short or a one-time visit, then consider a short-term health plan. Most short-term visitors health insurance do not require medical tests. Coverage can
start the day after you’ve purchased the plan. Premium cost for any health plan depends on the age of the insured person, the coverage amount, and coverage or schedule of benefits.

If you have any plans of going to the United States, make visitors insurance part of your budget. Buy a policy before traveling. Certainly, you don’t want to burden your relatives or friends with the cost of your hospitalization. If you are currently in the United States on vacation, then buy a US visitors insurance policy. There are many plans available on the market today. The best thing about these plans is that there are no waiting periods, and you can buy a plan even when you’re in the middle of your vacation.