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Coronavirus (COVID-19): What You Need to Know Before You Travel Read More

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Do you cover pre-existing conditions?

Travelers setting off on their journey may not realize that most travel insurance plans do not cover pre-existing medical conditions. Pre-existing conditions are those medical conditions that the individual may have been diagnosed with, had treatment for, or is taking medication for before the insurance started. Routine health care for chronic conditions like diabetes and high blood pressure are not a policy benefit. However, if the traveler experiences a unexpected or sudden medical emergency caused by a pre-existing medical condition, travel insurance that provides them with coverage for acute onset of their pre-existing condition may cover for such conditions. Of course, the main stipulation is that the policyholder’s condition is life-threatening and requires immediate medical attention. Many individuals regrettably avoid traveling because of the risks associated with their chronic health conditions. However, if they were to purchase a travel insurance policy with acute onset coverage then they could freely travel with peace of mind knowing they will be protected. An acute onset of a pre-existing condition is an unexpected and sudden recurrence or outbreak of the pre-existing condition that happens with no warning. This type of coverage is a must have for anyone with a pre-existing condition, because if the condition suddenly resurfaces, the treatment may be covered under certain circumstances. Travelers with pre-existing medical conditions should never fear an unexpected medical crisis while exploring their favorite foreign city.

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What Is a Usual, Customary, and Reasonable Charge?

A usual, customary, and reasonable charge, often referred to as UCR, is the typical amount a medical provider will bill for a certain service within a geographical region. UCR is calculated by third-party data analysts who look at the different providers in a region and see what is charged for a specific service and is determined by pinpointing the amount that is charged by the most providers in that area. UCR will vary from region to region, and even between insurance companies, depending upon the analysists each company uses. That’s why it’s important for consumers to do their research before buying a policy. Look at the policy you are thinking of buying, but also do research on the providers you may need to see while you are on your trip.

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What is Rules and Guidelines for Purchasing a Policy?

In order to buy Cancel for Any Reason insurance, you have to do so within a certain number of days of buying a regular travel policy. Depending on the insurance policy, you could have 24 hours to 21 days. The trip costs must all be covered by the Cancel for Any Reason insurance, not just one plane ride or one trip package. When you need to cancel your trip, it must be done at least 48 hours prior to the start of the trip. Cancel for Any Reason insurance will allow you to cancel because you simply changed your mind, you fear the weather where you plan to travel, you have family commitments, and more. You are a lot less restricted when you buy this add-on.

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Group Travel Insurance is Less Expensive Than Individual Policies?

While the cost of travel insurance does depend on the coverage you need and the length of your stay, putting together a group policy will greatly reduce the premium just by adding more people into the policy. The less risk the insurance company thinks it’s taking on, the lower your premium will become. By adding more people onto the plan, the less risk overall the insurance company will incur. So, by that logic, a group insurance policy will cost less per person than buying every person an individual policy.

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How I can buy a insurance plan if I’m not a u.s citizen

Anybody who is traveling to the US can buy travel medical insurance.

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Should I Buy Visitors Insurance Even If It Doesn’t Cover Pregnancy or Child Birth?

Yes! Even though the policy won’t cover routine OBGYN visits or pregnancy related medication, you will still be thankful to have emergency coverage for any other illness or accident that could happen. Remember, you are always able to be seen by a doctor or hospital when you need to, but if pregnancy or child birth is treated while you are traveling, claims could be denied due to it being a pre-existing condition. Purchasing a visitors policy will allow you to be treated for illnesses and accidents not related to your pregnancy, which will be beneficial for you and your unborn child. Finding out you are pregnant shouldn’t delay your travel plans. As long as you are healthy and careful, you will have a great trip without any need for pregnancy coverage overseas. You still should, however, buy a visitors insurance policy. These policies are strictly for the accidents and sudden illnesses. It’s a security blanket if you end up needing one, there for peace of mind while you travel internationally. You will be glad you have it whether you end up using it or not.

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Can I visit any doctor or hospital with visitor's insurance? And what is PPO network?

Most visitors insurance policies in the United States use a re-imbursement system. This means that if you utilize any of medical services, you have to file a claim to be reimbursed for the charges. When you have visitors insurance, you can visit any doctor or hospital and file a claim. However, if you go to a doctor or hospital that is in the PPO network, you can get a discounted rate on your medical services, which can save on out-of-pocket expenses. Also, the insurance company can be directly billed, so you don’t have to cover the charges and then wait to be reimbursed, in most cases. What is a PPO Network? A Preferred-Provider Organization (PPO) network is a network of medical care providers that provide care for individuals who have particular insurance plans. When visiting a provider in the network, they will charge negotiated fees for service, which are usually less than what you would pay to other providers. Since not all insurance plans will cover all of the expenses, this can save you from having to pay more out-of-pocket expenses. For example, if your plan requires a co-payment, the PPO network providers will charge a lower co-payment, than those outside of this network.

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What is Pre-certification and why does visitor insurance require it?

Depending on the medical procedure, you may need a pre-certification in order for it to be covered or have your claims accepted. You can find a list of services that need to be pre-certified in your insurance documents. It’s important to know what the pre-certified services are so that you can act accordingly in case you need to have one of those services performed. It can feel overwhelming to have to get pre-certified while you aren’t feeling well, so getting as much information as you can prior to traveling can help you make better decisions.

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WHY SHOULD I BUY VISITORS INSURANCE FROM ONSHOREKARE?

Travel insurance provides protection against travel and health risks when you are out of your home country. It is an essential travel necessity, because you just never know what can happen. If you have to go to the hospital or doctor, it can be extremely costly without it, especially in a country like USA. However, insurance policies don’t cover everything, so it is important to understand the exclusions of your policy. Travel insurance plans usually include exclusions, which are the services they do not insure. Here are the most common travel insurance exclusions that must be considered when buying travel insurance. It is useful to understand what they mean for you. Plus, it is a great aspect to consider when comparing policies. Pricing differences may be a result of some of these exclusions.

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OUT OF ALL THE VISITOR INSURANCE, WHICH INSURANCE WOULD BE THE BEST FOR ME?

It is important when traveling to have medical insurance coverage, because most domestic health insurance plans do not offer coverage outside the home country, and you never know what could happen on a business trip or leisure vacation. When it comes to visitors insurance plans, there are two basic options to consider. There are fixed benefits plans, also known as limited coverage plans, and comprehensive coverage plans. Fixed benefits plans offer limited coverage that usually includes the basic travel protection and comprehensive plans offer more coverage and coverage that is more flexible. for more details click on this link : https://onshorekare.com/comprehensive-coverage-vs-fixed-coverage-plans-what-type-of-visitors-insurance-coverage-should-you-buy/

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CAN I BUY VISITORS INSURANCE IF I AM NOT IN THE USA?

When people travel to the United States, they know how important it is to purchase travel insurance. However, they are not sure where they should purchase the insurance from – their home country or destination country, the US. If you are traveling to the US, you should be purchasing the visitors insurance from the United States. Here are the top reasons why this is the case: Direct Billing May Save On Out-Of-Pocket Expenses The medical facilities bill the insurance company directly, so you may not have to pay upfront. That means that you may not have out-of-pocket expenses on your trip to worry about. Additionally, it makes the claims process easier and more comfortable. more click on this link:-https://onshorekare.com/buy-visitors-insurance-from-usa-or-home-country/

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CAN I BUY VISITORS INSURANCE DURING THE TRIP BECAUSE OF A MEDICAL ILLNESS?

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IS IT BETTER TO BUY ONE OR SEPARATE POLICIES IF 2 OR MORE TRAVELERS ARE TRAVELING TOGETHER?

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