You may have heard of travel insurance. This is something people on vacation may get for a variety of reasons. Some examples include coverage in case of flight cancellation and protection in case of injury. However, travel insurance is designed for those going on vacation, and renter’s insurance is specifically for long-term renters.
Visitors insurance fills a different type of need. Business travelers may need to stay in a new location for several months, or longer, in order to complete a project. This includes the growing amount of foreign nationals temporarily basing themselves in the U.S. as part of global corporations and workforces.
It’s best to make sure that any health issues or other problems are attended to during your stay. This is why it’s essential for corporate travelers to invest in a visitor’s insurance policy.
Foreign nationals are likely aware of the high costs of medical care in the U.S. compared to other countries. Because of this, it’s a good idea to get coverage ahead of time. This will allow you to make sure that you don’t incur any surprise expenses.Typically, most visitors are not able to buy permanent insurance like citizens are. Therefore the purpose of visitor’s insurance is to provide coverage for people who may be staying for a longer period in the U.S. but are not immigrating.
If you are looking for a policy, there are a variety of companies that you can choose from. For corporate travelers, your company likely has a specific provider that they will refer you to, but if you are making the decision on your own, here are a few things to know:
Most insurance providers are going to offer you the choice of a limited plan or a comprehensive policy.
Limited plans cost a lot less than the comprehensive plan. Also, it will only pay for a set of covered expenses based on an existing table of benefits. If you go this route, make sure you look at the benefits table closely. This will let you know exactly what will be covered, and to what degree.
Comprehensive coverage is more expensive, but you will have a better set of benefits. In addition, you’ll have potential coverage for the acute onset of pre-existing conditions. This is an important detail to note.
Visitors insurance comes with limitations, and there are certain things that even the most comprehensive policy will not cover, including:
When it comes to pre-existing conditions, it’s a bit of a gray area. These generally are not covered, but if you do buy a policy that covers the acute onset of pre-existing conditions, you will at least have some coverage in the case of an emergency.
When you’ve made your decision about what visitors insurance policy you are going to use, it’s time to purchase. While different providers have different rules, some of the things you will generally need to provide include your name, date of birth, passport information, as well as your travel dates.
Next, you will be issued a physical insurance card. Some companies will email you a temporary card at the time of purchase. This will allow you to start using your coverage right away.
Some foreign nationals may not be used to how the American medical system works. Here are some common situations where you may need to provide your insurance card:
When you go to a hospital, make sure you have your insurance card on hand and be ready to provide any other necessary medical information to the hospital staff. The receptionist may make a copy of your card and call the insurance company to confirm your benefits. You may have to make a payment as a co-pay or as part of your deductible.
Make sure you choose a doctor who accepts your insurance to avoid a surprise expense. If they do not accept your card and you think that they should, take the following steps; Make sure that you collect any relevant bills, and request a claim from your insurance company. Also, be sure to file the claim, and the company will evaluate whether you will be covered within 90 days.
You may have to pay for this medication outright, as pharmacies do not store visitor’s insurance information. However, make sure to request the bill. Similar to a doctor, you can then request a claim form and file the claim with your insurance company.
While you are looking for visitor’s insurance, it’s a good idea to make sure that you are making other decisions that are suited for an extended stay, as opposed to the motions of planning a week-long vacation. For instance, sorting out your long-term accommodation. Blueground is a property management company that provides fully-furnished, equipped and serviced apartments in some of the world’s most sought-after cities. Catering to business travelers and corporate clients, every space is designed to make the guest feel instantly at home. After booking a Blueground property and receiving your visitor’s insurance card, you will have the peace of mind to focus on getting your work done.