Although traveling to the USA may sound fun and pleasing, it is extremely important to be ready for any unexpected situation that might happen during your trip. An all-inclusive travel insurance plan that will address the needs of foreigners coming to the USA can secure and help them handle financial challenges. So let’s read best travel insurance in USA.
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.
Table of Contents
1. IMG Global– The Premium Travel Insurance in USA
Exact figures are confidential, but let’s explore a possible range for IMG Global’s reach:
- Imagine the global health insurance market is worth $2,255 billion (USD).
- Assuming IMG Global has a significant market share (say 5%), that’s potentially millions covered.
- With an average premium (around $5,000, but this varies), that’s potentially over $100 billion in insurance volume (very rough estimate).
IMG Global provides a variety of travel insurance plans developed for non-U.S. citizens who desire to visit the U.S. among their customers. The packages of their insurance include
- Comprehensive medical coverage
- Emergency medical evacuation
- Trip cancellations/interruption benefits
- 24-hour multilingual support
IMG Global’s plans are highly flexible with various options, from adjusting coverage to meeting your requirements and budget needs.
2. Seven Corners– The Best Travel Medical Insurance in USA
Exact figures on Seven Corners are tough to find due to their niche market and private company status.
- Imagine the travel medical insurance market is $10 billion (USD).
- Assuming Seven Corners has a good market share (say 5%), that’s potentially millions covered.
- With an average premium (around $200, but this varies), that’s potentially over $500 million in insurance volume (very rough estimate).
Another good choice is Seven Corners with their all-inclusive travel insurance that is suitable for foreigners who travel in the US. They have
- Medical coverage
- Emergency medical evacuation
- Trip cancellation/interruption benefits
- 24/7 assistance services on their coverage
They are supportive of customers and have an effort-free claims system that explains their popularity among foreign tourists. So this is the best travel insurance in USA.
3. Allianz Global Assistance– Leading Travel Insurance in the USA
Allianz Global Assistance (AGA) is a big name in travel insurance and assistance services, operating in over 100 countries.
- The market size for travel insurance is estimated at around $12-15 billion (USD).
- AGA is a leader, but it’s a crowd in the market. Their share is likely around 5-10% (uncertain).
- Estimating exact insured members is tricky due to plan variations and travel seasons.
Allianz Global Assistance is a world-known travel insurance provider that provides peace of mind with its sound coverage for foreigners who come to the USA. They offer the following types of plans which are:
- Medical emergency
- Trip cancellation/interruption benefit
- Transportation
- Medical evacuation
- Car rental
- Baggage protection
Allianz Global Assistance is a worldwide service provider. Often people call it as a broad healthcare provider network and prompt claims processing.
4. HCC Medical Insurance Services– All clear Medical Insurance inUSA
- No Specific information about HCC Medical Insurance Services
HCC Medical Insurance Service contains insurance plans for foreigners who are going to the USA and traveling abroad. Their medical coverage plans offer complete
- Medical coverage
- Emergency medical evacuation
- Trip cancellation/interruption benefits
- Sports coverage
- Adventure activities coverage
HCC Medical Insurance Services is serving for years and giving correct and accurate service to visitors from abroad.
5. GeoBlue– Global Health Insurance in USA
- The global international health insurance market is at around $2,255 billion (USD).
- Assuming GeoBlue has a good market share (say 3%), that’s potentially millions covered.
- With an average premium (around $5,000, but this varies), that’s potentially over $13 billion in insurance volume (very rough estimate).
GeoBlue is a major player in global health insurance, offering plans for those who are not American citizens and are traveling to the United States. GeoBlue’s plans aim to supply a precise package of services for international travelers and offer access to medical assistance in various parts of the globe. They have provisions that cover
- Comprehensive and emergency medical evacuation
- Access to their worldwide network of doctors
Points to Consider for the Best Travel Insurance in the USA
a. Coverage Limits and Benefits
When selecting travel insurance in USA, be sure to scrutinize the limits and benefits offered by different providers, as they might not be equal. Verify that they cover your required medical coverage, emergency evacuation transportation, trip cancellation/interruption benefits, and any other optional coverage you may require.
b. Pre-existing Conditions
In the event of having chronic diseases, inquire about whether the policies cover them and if there are any waiting times or exclusions regarding those particular conditions.
c. Duration of Coverage
Think about how long you’ll be staying in the USA during your travel adventure, and pick a travel insurance plan that covers the whole duration. Certain programs might have trip duration limits, so make sure the program ends in time for your other obligations.
d. Customer Reviews and Reputation
Take a look at customer reviews and compare the providers’ reliability. Try to get from the people you contacted some opinions about their claims process, customer service, and general satisfaction to see to what extent they are dependable and prompt.
e. Cost
Of course, price is a significant consideration, but it should not be the ultimate decision-maker. Compare the insurance package and benefits given by different providers to make sure you will get the best value for your premiums.
The Departure
Moving to the USA and leaving your own country for the very first time can be quite a challenge, and travel insurance is just that little extra that will ensure a smooth and uneventful trip. It is a financial shield, it gives you tranquility of mind and it will also allow you access to emergency medical services when needed.
When choosing the best travel insurance in USA, one should consider what limits the coverage has, the benefits the package includes, how previous illnesses are handled, the duration of coverage, what customers think about it, and how much the coverage costs. Selecting a reputable provider who offers plans with policies that cover everything and anything that may not have been thought of beforehand will ensure peace of mind as you journey in the United States.
FAQs
Can foreign visitors to the USA be insured or not?
The answer is yes because the USA has travel insurance for tourists that is customized to meet their needs. Some insurance companies even feature wide-range insurance coverage for non-U.S. citizens visiting the United States.
What is a crucial issue for non-Americans visiting the US?
Traveling insurance is not a necessary document for foreigners visiting the USA. However, it is strongly recommended to take the insurance coverage to protect yourself from unverified events, for example, medical emergencies or trip cancellations, and to be able to relax fully during your trip.
Are there any pre-existing conditions that can be covered by travel insurance for foreigners in the USA or not?
The range of coverage of health insurance programs can differ concerning prior conditions from one insurance company to another. Be sure to pay close attention to the terms and conditions of the plan you prefer to select to make sure that pre-existing conditions are covered, and if there are any waiting periods or exclusions that are associated with them. Some insurance providers may cover existing conditions while others may only cover a certain condition or require an extra fee.