Insurance Guide

A travel medical insurance plan can provide the health coverage you needed.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are visiting USA or other counties.

Comprehensive plans most recommendable, this is based on the customer age and medical conditions. Please see our top seller section.

If your Family or friends coming to visit USA. Don't forget to buy visitors insurance, United States of America do not provide automatically health insurance, you have to buy short term visitors insurance plans.

Visitors Plaza Travel Insurance for Visitors to USA can be purchased prior to departure or after they arrival. Visitor insurance covers your health in the event of an unexpected illness or injury when traveling outside of your home country.

New medically emergencies, eligible medical expenses include.

  • Ambulance care
  • Any new sickness or illness
  • Trip interruption
  • Prescriptions
  • Acute onset of a pre-existing conditions 
  • Emergency medical evacuation
  • Return of mortal remains, funeral expenses.

This is just a general list. It is recommended that you review policy details

Fixed benefit plan or Scheduled Benefits plan means there is a limit for each type of covered medical treatment. For example, $100 limit for an emergency room visit. The plan will not pay more than this $100 limit.  Fixed plans are cheaper than comprehensive plans and they are designed for healthy people.

Comprehensive plans: Wide variety of coverages, broad network providers, hospitals and services such as X-rays, lab work, physician visits, emergency room and cost of prescription drugs. Not all comprehensive visitor's health insurance policies are the same.

The deductible is the amount that the customer should pay for medical expenses before the insurance company start paying. If your plan has a $100 deductible, you pay the first $100 of expenses and the company pay the rest. The higher the deductible, the lower you're premium cost.

Per injury/sickness deductible
You pay deductible or flat deductible which the customer is required to pay for each claim when you get a new medical sickness or accident, possibly resulting in more than one deductible being paid in a given year.

Per policy period deductible
You pay the deductible only once the entire policy period, regardless how many times you get injured or sick during entire policy time.

Per visit deductible or co-pay
You pay a certain amount every time you visit a health care provider (doctor, hospital, laboratory etc.). This amount is usually collected at the time services are received. This type of deductible is not common in short term visitor medical insurance policies.

Annual deductible

You pay the deductible once in any year, regardless of the number of claims in that year irrespective of how many times you get sick or injured during the entire year. This are not mostly Major medical plans. The policy may contain an individual deductible, in which each insured is personally responsible for a specified deductible amount each year, or a family deductible whereby the annual deductible is satisfied if two or more family members pay a deductible each year, regardless of the number of claims incurred by additional family members.

After customer pay the deductible, the co-insurance come into place. The Co-insurances the percentage of amount that the customer should pay for incurred medical expense. This amount is pay after the deductible amount is met which is also the insured responsibility. The Co-insurance is a percentage of the bill.

Example: Co-insurance is 90/10 for the first $4000.00 for the plan. This means the customer must pay 10% of the bill for the first $4000.00. The insurance company plan will pay the entire amount after $4000.00.

A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether it was known to you

Pre-existing Condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising there from, whether or not previously manifested or known, diagnosed, treated, or disclosed. Most of the plans cover only Acute onset of a preexisting condition. The restriction on how acute onset of a preexisting condition coverage is based on the insurance carrier which we choose. But the common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs.

An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.

The Affordable Care Act (ACA) is the name for the comprehensive health care reform law and its amendments. The law addresses health insurance coverage, health care costs, and preventive care. The law was enacted in two parts: The Patient Protection and Affordable Care Act

No foreign visitors to the USA are not eligible for Obamacare, officially known as Patient Protection and Affordable Care Act (PPACA) or Affordable Care Act (ACA).

If you are applying for a Schengen visa, you will be required to obtain travel medical insurance that meets all Schengen visa insurance requirements. If you're traveling to the Schengen Area from a visa-exempt country, it's still recommended that you purchase a travel medical policy, as your domestic health plan may not cover you abroad.Schengen Visa Plan meets requirements for Schengen Visa travel to Schengen Countries (Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland)

Medical insurance plans for international students provide benefits value, and coverage to keep you safe and healthy .Coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries.

Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant Reside outside the country of residence for pursuing international educational activities for a temporary period.

Designed for the new immigrant, Green card holders and Visa Holders H4,F2 who are not eligible for regular health insurance. The following plans designed and the Best-rated medical insurance for green card holders and new immigrants who travel frequently between their home country and the USA.

Note: These are not ACA plans.

Travelers seeking to protect their trip investment against trip cancellation and trip interruption.

You may cover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered reason. Benefits are also provided for travel delays, baggage delays, and sickness or injury while you are away from home.

Accidents and emergencies happen and when they do, you wouldn't want to be hundreds or thousands of miles away from home without the proper coverage. Most people assume they will be covered by their standard health insurance when they travel internationally, but that isn't always the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your policy. Depending on your choice of policy, qualified reasons could be limited to weather and family emergencies or illnesses, while others allow you to cancel your trip for any reason.

The insurance industry is highly regulated. It is illegal for us as an agency to offer rebates or valuable incentives to purchase through us. However, given that we offer a wide range of options, you can find the best priced policy and you do not pay any extra when you buy through us or any other agency. In fact, some policies that we offer may not even be available directly from the insurer.

Yes, absolutely. We make sure that all our sites are secure when you choose to buy the insurance. After your purchase, you will immediately get a receive a confirmation email from the insurance company with a Certificate ID number.

Yes, we do sell insurance for F1 and F2 visa holders. International students can use our student medical insurance compare tool and get quotes and benefit details of eligible student insurance plans. Note that if the student already has insurance and the dependents do not, the dependents themselves are NOT eligible for student insurance. In that case, they can purchase insurance in our "visitor insurance" category.

Yes, we do have insurance for F1 and F2 visa holders.

Yes, we do provide insurance for J1 and J2 visa holders at our J visa insurance section.

Yes, we do offer insurance for Green card holders and new immigrants to the USA. purchase.