Insurance plan that offer coverage outside the home country or country of citizenship is called Visitor Medical Insurance. Separate plans may be available for each country you visit. You can also buy plans that can cover you in all the countries that you may visit.
In some cases proof of health insurance may be required before your visitors can be granted a visa. Make sure you read the visa application carefully to comply with the requirements. In such cases make sure that the visitor medical insurance you purchase offers you the flexibility to modify the dates of coverage without a penalty. You may also need to cancel the coverage in case a visa is not granted.
Next day coverage is available from most plans for purchases made online with a credit card. This is convenient when your visitors have already arrived or will be travelling very soon. Coverage is available during transit;include the travel dates while you purchase the plan. ID cards and other documents can be emailed.
It is always better to buy individual plans for each visitor; changes can be made to one plan without affecting the coverage of the other person. Passport numbers, date of birth and home country address are needed to purchase the policy. No additional documentation or tests are usually required.
Prescription benefits are usually included in Visitor medical insurance plans but they will typically not cover prescriptions that someone takes prior to the insurance coverage. Visitors must bring extra supplies of medications that they take on a regular basis. Sometimes the same formulation may not be available in the country they are visiting.
Insurance plans can sometimes require you to visit doctors within their network for the best benefits. It is a good idea to check the hospitals and doctors that are close to where you live. Some plans require you to verify benefits and get pre certified before you use the services. Make sure you have the insurance provider's numbers handy in case of an emergency.
Visitor medical insurance plans can be quite complex and varied. It is best to get the advice of a professional licensed insurance agent to guide you through the process. You can discuss your requirements to get the Visitor medical insurance plan that works for you.
