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If you’re looking to visit the US for a short or long-term trip, it’s worth considering travel insurance before you arrive to ensure you have the right level of protection. There are a number of travel insurance brands that offer coverage for temporary visitors to the US.
Travel insurance is specially designed to offer protection against a wide range of risks you may be exposed to while traveling. Not only can this help you save money in the long run, it can also save you a whole lot of stress if something goes wrong, including:
The eligibility requirements for coverage vary from one insurance provider to the next, but one common requirement is that you need to spend the majority of your trip in the US. Many insurers will require you to have valid health insurance as well.
Not all pre-existing medical conditions will be covered by insurers, and you may be required to submit further information detailing the nature of your condition. Just like normal travel insurance policies, non-resident travel insurance will generally have an age limit on people who can take out cover.
For example, many policies stipulate that you must be under the age of 81 to take out cover. It’s possible to take out a policy before or after you arrive to the US, though if you’ve already arrived you may have a waiting period before some aspects of coverage will take effect.
If you’re a student studying abroad in the US, you can benefit from having travel insurance in addition to your health insurance through the school. Although your insurance through your host school provides essential coverage for health care costs, it’s still recommended that you take out travel insurance to offer financial protection against risks not covered if you’re planning on traveling while on your student visa. Student travel insurance provides coverage for:
In addition, if your visa status changes while you are in the US and you no longer qualify for student health insurance, your student travel insurance policy can cover the medical and hospital expenses you might need.
When comparing non-resident travel insurance policies, it’s essential that you take the time to do your research. Do an online search for insurance providers who specialize in offering the type of coverage you’re looking for, and seek out reviews of any companies you’re considering.
Obtain quotes from a number of insurers to get an idea of the cost involved, but look past the mere cost to see exactly what each policy covers. Read all policy documents closely to familiarize yourself with the benefits, features, limits and exclusions offered by each policy.
Does the policy you want cover you for all the activities and experiences you’ll be engaging in? Does one policy have higher benefit limits than the others? Finder.com is the perfect place to compare a range of non-resident travel insurance policies. If you need additional assistance, consider enlisting the help of an insurance consultant to help you find the right policy for your needs.
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