Health insurance uses:
A health insurance for a trip to the USA is simply a policy you hire with an insurance company that covers medical expenses and other aspects of the trip in exchange for payment of a price or insurance premium.
Health insurance coverage may vary from one company to another, usually as follows:
Medical expenses. Expenses of hospitalization, surgical intervention or purchase of medicines are covered.
Transportation or repatriation costs. If for some reason you have to go back to your country of origin, for example, because you suffer an accident or a sick family member, the insurance will cover your displacement.
It may happen that the airline in which you travel loses your baggage or is stolen by an oversight. In these cases the insurer will cover the expenses that occur.
Flight. If you miss the flight or there is overbooking on your plane, the insurance policy will cover the situation and the expenses you have.
Transfer of a family member. In the case that you may be admitted for a certain period (usually more than 7 days) the insurance will cover the transfer of a relative to the hospital in which you are boarding.
Liability. If you cause damage to a third party and claim liability for the damages caused, the policy will cover you.
Documentation. In the case that you lose your passport, your visa or you steal some important document the insurance company will help you in the management.
However, before hiring your insurance, ask for a copy of the policy and read the coverages carefully. In addition, it is advisable to compare several policies to see what each company offers, what coverages they have and what prices. You will need to review the following aspects:
Assumptions covered by each policy.
Maximum expense covered by the policy.
If you have to pay in advance and then you will be reimbursed.
If you have a copay.
If you can go to any doctor you choose or you have to go to specific doctors or centers.
If there are uncovered diseases. You may have an ailment that the policy does not cover, so you should make sure before.
If coverage is excluded in the event of risky sports. Keep that in mind if you're one of those who love strong emotions.
The validity of the policy, when it enters into force and when it ends its validity.
If the coverage is for a single trip or for all trips that take place for one year. If you are traveling several times a year you may want to hire insurance that covers all the travel.
If you cover a family member or companion.
What a price the insurance has. Keep in mind that you should see the insurance as a whole and not just look at the cheapest.
Why do you have to hire a health insurance?
You probably think that nothing will happen to you during the trip and that you are going to spend the money on insurance, but complications or unexpected situations may arise during the trip to the United States and with medical insurance you will feel much more relaxed.
These are the reasons why you should hire health insurance if you are traveling to the United States:
Medical treatments in the United States are very good and very expensive.
In the United States they could refuse to give you medical treatment if you don't have insurance or pay in advance.
In the case you are treated by doctors in the United States for an emergency and do not pay the bill for medical services you could run the risk of being removed from the visa and not renew it.
In addition to all of the above, many contingencies may occur during the trip that could cover health insurance such as baggage loss or theft of documentation.
How much does it cost to hire a health insurance for USA?
The price will depend on the guarantees you contract, the time you are going to be in the United States, the people you cover and your age, among other aspects. For example, for a case of an 18-year-old who travels alone, will be 4 weeks in the United States, travel by plane, and has paid travel expenses of about 3,000 euros so far (accommodation plus plane) The price can vary between 50 and 90 euros approximately. In this case it is a travel insurance that covers medical expenses and annulment.
If you have purchased your trip through an agency you may have health insurance for your customers.
Certain credit cards cover medical assistance if you have paid for the trip with the card.
The most common thing is to go to an insurance company specializing in the area of health and request information. As we said before, it is better to contrast several policies to be able to choose the one that best suits your situation.
Now you are clear why you need health insurance for the USA, so call us and we help you with all the paperwork to leave as an
