Getting travel health insurance is an important part of traveling abroad, especially in the United States. Even if you only spend a week or two there and you're healthy, you can't predict the future or what accidents might happen. Health insurance for visitors to the United States reduces the cost of any medical problems or accidents that may occur while traveling.
Do I need to get US travel insurance?
Technically, no. If you_ are traveling to the US for a short period_ of time, you are_ not required by law to have health insurance. However, the cost of healthcare in the US is high, so medical insurance is not mandatory for US visitors, but it is highly recommended.
A doctor's consultation in the US alone can reach hundreds of dollars. If you have an accident and call an ambulance, the ambulance ride to the ER alone can set you back thousands of dollars, not to mention the cost of treatment and hospitalization. If you do not have health insurance, you will have to bear all the expenses yourself. And we're talking about bills that can reach tens of thousands, if not thousands, of dollars.
Travel insurance of longer period of time in USA
If you are staying in the US for a longer period of time, i.e. more_ than six months, you can look for US health insurance options. See _the difference between_travel insurance and international health insurance here.
The amount_of coverage_depends on the specific plan_you choose. Comparison marketplaces such as Insubuy, offer affordable health insurance coverage plans to visitors in the US.
Where to find the best travel health insurance for visitors to the United States?
One of the first things all tourists do when planning their trip to the United States is travel health insurance. The easiest way to buy travel health insurance for USA is online. Comparison marketplaces like Insubuy let you easily compare different plans from the comfort of your own home.
Things to keep in mind while buying travel health insurance for USA
Purchasing health insurance in the United States can be difficult and confusing even for residents, let alone visitors. So, before deciding which plan to buy, make sure you consider the following:
There are health insurance policies with different amounts of coverage. These can range from $25,000 to millions of dollars in coverage. This is the maximum amount the insurance company will pay for your medical expenses. Naturally, policies with more coverage will cost more.
Choose a plan of travel insurance
Choose a plan with the maximum policy in line with the length of time you intend to stay in the US. So, if you are only staying for a week, the policy maximum may be lower than if you are staying for a month or more.
Even if you're healthy, don't just pick the cheapest visitor health insurance plan you find and call it a day. Because if you need medical care during your trip to the US, a cheap health insurance policy will likely cover a small portion of your medical bills, leaving you to shoulder the majority.