Best Travel Insurance in USA for Foreigners- Read the Options

Remember that time you were in Paris and your wallet was stolen right before you were about to board the train to Amsterdam? That is the kind of event that can take place anywhere in the world including the USA. Although going around the States may seem like a thrilling idea, it is always good to be prepared for any eventuality. 

That is where an international travel insurance in USA plan will come in handy. It is like having an insurance policy. This gives people a certain level of comfort knowing that they are shielded from the future. Think of having the backup that can help you cope with a health crisis or a flight cancellation. That is what this plan implies. 

It’s about ensuring that your travel is as smooth as possible even if the unexpected happens. Therefore, before you start packing your luggage, it is important that you have a travel insurance plan. It will assist you in your traveling in the USA without much hassle.

In this article, I will discuss various travel insurances for US travel, which will enable you to breeze through the maze of options and choose the insurance that is most suitable for you. Check out for the specific flight, hotel or other traveling product.

1.  IMG Global– The Premium Travel Insurance in USA

Global Reach

IMG Global is a giant that has a strong position in the global health insurance market. It may insure millions of people all over the world. Their insurance premiums could be in billions implying their large market share in the industry.

Comprehensive Coverage

IMG Global has many travel insurance products. They are for those who are not residents of the United States of America. S. citizens visiting the States. Their package entails

• Medical expenses
• Medical repatriation
• Trip interruption
• Cancellation
• 24/7 assistance in different languages.

Flexibility

There is a great deal of flexibility with the ability to tailor the coverage. It suits the specific needs and budget.

2.  Seven Corners– The Best Travel Medical Insurance in USA

Niche Expertise

Seven Corners is the best medical insurance for visitors to the USA. It mainly deals with travel medical insurance thus targeting a specific niche market. It is impossible to know the exact number of travelers, but they must cover millions of clients.

Customer Focus

Seven Corners is also famous for its customer-oriented approach. It provides wide-spectrum travel insurance, with great help and easy claims. They are medical insurance, medical repatriation, cancellation and curtailment benefits, and round-the-clock help.

3.  Allianz Global Assistance– Leading Travel Insurance in the USA

Global Leader

Allianz Global Assistance is a market leader in travel insurance. It is active in more than 100 countries. It is one of the largest companies in the market. It provides travel insurance services.

Wide Range of Plans

The services provided by Allianz Global Assistance include

• Medical travel insurance
• Trip cancellation/interruption
• Transportation
• Medical evacuation
• Car rental
• Baggage protection

Strong Network

Allianz Global Assistance has the largest healthcare provider network. It has fast claim processing, which gives travelers confidence. This visitor health insurance USA cost very cheap.

4.  HCC Medical Insurance Services– All clear Medical Insurance inUSA

Targeted Coverage

HCC Medical Insurance Services offers insurance for travelers going to the USA or other countries. Their plans cover medical expenses, emergency evacuations, and trip cancellations. You can also add extra coverage for sports or adventure activities.

Reliable Service

It is well known that HCC Medical Insurance Services. It has been offering accurate and reliable service to international visitors for years.

5.  GeoBlue– Global Health Insurance in USA

International Focus

GeoBlue offers health insurance to people who live outside the United States and are traveling abroad. To the US citizens traveling within the United States and to other countries of the world.

Comprehensive Benefits

GeoBlue has several plans that include

• Medical
• Emergency medical evacuation
• Access to doctors all over the world
• Many more for international travelers.

Global Reach

GeoBlue occupies a rather large share of the global health insurance market. It may insure millions of people.

Comparison Among Insurance Companies USA

These are some of the best travel insurance companies for people visiting the USA from other countries. When choosing a plan, it’s important to consider your needs, budget, and what you expect from your trip.

Points to Consider for the Best Travel Insurance in the USA

a. Maximum and Minimum Benefits

While choosing travel insurance, you should pay attention to the limits and benefits. Companies provide different benefits. Make sure that they include

• Medical expense coverage you need
• Transportation in case of emergency evacuation
• Cancellation and interruption of the trip
• Any other optional coverage you may need

b. Pre-existing Conditions

Also, if you have chronic diseases when applying for the policies, ask for its treatment policy. If there are waiting periods or pre-existing exemptions for the diseases. 

c. Duration of Coverage

Make sure your travel insurance covers the entire time you’ll be in the USA. Choose a plan that matches the length of your trip. Some of the programs may have a restriction on the duration of the trip. See to it that the program ends in time for other activities. 

d. Customer Reviews and Reputation

Look at the customers’ feedback and check the reliability of the providers. To determine their reliability and speed, gather feedback on their claims process and customer service. Ask those who have used their services about their satisfaction.

e. Cost

Indeed, price is an important factor but it should not be the deciding factor. Check the insurance package and the benefits that the different providers.  

The Departure

Moving to the USA can be tough. Travel insurance gives you peace of mind, protects you financially, and ensures you have help in an emergency, like an ambulance.

Choosing a very good provider that has policies to cover everything and anything on a journey in the United States will be very helpful. 

FAQs

Can a foreigner buy travel insurance in the USA?

The answer is yes because USA has travel insurance for tourists and it is designed to suit the tourist’s needs. In fact, some insurance providers have even come up with the wide range insurance policies for non USA. And yet, these agencies are targeting S. citizens visiting the United States. 

Can I travel to USA without travel insurance?

Yes, you can travel to the USA without travel insurance in the strict legal sense of the term. But it is not advisable at all. Although it is not mandatory for every traveler, it is advisable as it provides you with financial security.  

What happens if a tourist gets sick in the USA without insurance?

If a tourist falls sick in the USA without insurance, then the tourist will be on his/her own in paying the costs incurred. These costs include very high one that may lead to huge financial problems and even debt.