| Travelers today have many advantages over those | | | | traveler would be well advised to understand what is |
| who traveled years ago. The actual travel | | | | not covered while traveling abroad. Again each policy |
| accommodations are much more luxurious than those | | | | is different therefore you must check your individual |
| our ancestors dealt with when traveling abroad. In | | | | policy to see if these exclusions apply. |
| addition to more comfortable and timely | | | | Pre-existing conditions are generally not covered by |
| transportation, visitors to foreign countries also have | | | | visitors insurance. If you have a medical problem that |
| fewer medical and health issues to deal with in our | | | | is related to a condition you had prior to the |
| modern times. With this in mind it is important to | | | | purchase of your visitors insurance policy, treatment |
| stress the need to have visitors medical insurance | | | | will likely not be covered. |
| when traveling to the United States. | | | | Routine medical care is often excluded. Checkups, |
| Most health insurance policies will not travel with you, | | | | exams and immunizations are considered routine care. |
| leaving the majority of travelers without adequate | | | | Prenatal care or child birth. Pregnant travelers will not |
| coverage in a foreign country. To avoid finding | | | | have routine prenatal care or the cost of giving birth |
| yourself in a precarious situation when you can least | | | | included in their policy coverage. |
| afford it, you should know what scenarios are | | | | Dental or vision coverage is excluded from most |
| covered and those that are not before purchasing | | | | policies. |
| your visitors insurance plan. | | | | It is important to remember that although most |
| What does visitors insurance cover? | | | | visitors insurance policies are relatively the same, they |
| Visitors insurance is designed to provide medical | | | | do vary somewhat. This makes it extremely |
| coverage while you are traveling abroad. For this | | | | important to carefully review any insurance plan |
| reason the coverage is most likely different than that | | | | before committing to the purchase. Travelers visiting |
| of your regular health insurance policy in your native | | | | the United States should be aware of the fact that |
| country. Here are a few things that are normally | | | | health care in this country is very expensive. While |
| covered by most visitor insurance policies. | | | | many people feel that visitors insurance is not cost |
| Any illness or sickness that occurs after the policy is | | | | effective due to the nature of the coverage, there is |
| in effect. | | | | no doubt you will benefit should you need medical |
| Accidents or injuries that occur after the policy is in | | | | care that is covered. To get the best policy available, |
| effect. | | | | consider your current medical conditions and what |
| The return of mortal remains (this covers the | | | | you might encounter while traveling. It is always |
| transportation of your remains in the event of | | | | better to be over insured versus under insured, |
| death). | | | | especially when traveling far from home. Visitors |
| Emergency room visits. | | | | medical insurance is a valuable resource which should |
| What is not covered by visitors insurance? | | | | be taken advantage of to avoid some of the |
| Just as it is important to know what is covered, each | | | | exorbitant health care costs in a foreign country. |