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Travel Insurance for Relatives Visiting US

Every year, countless relatives visit the United States from all over the world. Many of them come to attend important life events such as weddings and graduation ceremonies. Others come for less happy occasions, such as funerals. No matter the reason for their visit, one thing is always true: they want to be able to enjoy their time here without having to worry about getting sick or injured. 

What is Travel Medical Insurance? 

Travel medical insurance is a type of insurance that covers medical expenses incurred while traveling outside of one’s home country. It is designed to supplement existing health insurance policies. It is not intended to replace a comprehensive health insurance policy. 

Some examples of items that may be covered by travel medical insurance are emergency medical evacuation, emergency reunion, repatriation of remains, accidental death and dismemberment, and others such as treatments for pre-existing conditions, routine checkups, preventive care, mental health disorders, and elective procedures. Deductibles, copayments, and coinsurance also apply to most travel medical insurance policies.  In order to be covered by travel medical insurance, most policies require that you purchase the policy before departing on your trip. 

There are two main types of travel medical insurance:

Short-term travel medical insurance typically covers trips lasting up to 180 days. 

Long-term travel medical insurance covers trips lasting more than 180 days.  Which type of policy you purchase will depend on the length of your relative’s stay in the US. 

If your relative is staying for an extended period of time, you may also want to consider purchasing a comprehensive health insurance policy that will cover them while they are in the US. There are many different types of health insurance plans available, so it’s important to do your research to find one that best meets your needs and budget. Some plans may provide coverage for pre-existing conditions, while others may not. It’s important to choose a plan that provides the coverage you need in order for your relative to be fully protected while they are in the US.

Why is Travel Medical Insurance for Relatives Important?

Even if you’re relatively healthy and don’t think you need insurance, consider this: according to a recent study by the Centers for Disease Control and Prevention (CDC), one in three American adults has high blood pressure. That means that nearly 33% of the population is at risk for heart disease, stroke, and other serious health problems. And those numbers are only going to increase as the population ages. So even if you’re young and healthy now, chances are you’ll eventually need medical care. Here are a few justifications for why family members should get travel health insurance.

Protection Against High Medical Costs- One of the biggest reasons why travel medical insurance for relatives is important is because it can help protect against high medical costs. In the United States, medical care is very expensive. Even a simple visit to the doctor can cost hundreds of dollars. And if your relative needs to be hospitalized, the costs can quickly add up to tens of thousands of dollars or more. With travel medical insurance, you can rest assured knowing that your relative will be covered in case of any medical emergencies.
Access to Quality Medical Care- Another reason why travel medical insurance for relatives is important is that it provides access to quality medical care. In the United States, we have some of the best hospitals and doctors in the world. With travel medical insurance, your relatives will be able to receive treatment from top-notch doctors and facilities if they need it. 
Peace of Mind for You and Your Family- Finally, another reason why travel medical insurance for relatives is important is that it can provide peace of mind for you and your family. When your loved ones are miles away from home, it can be reassuring to know that they have coverage in case something happens. With travel medical insurance, you can have peace of mind knowing that your relatives are protected while they are away from home.  

Why You Should Purchase Travel Medical Insurance for your Relatives Visiting the United States 

If you have relatives who are planning to visit the United States, one of the best things you can do for them is to purchase travel medical insurance. While the last thing you want to think about is something happening to your loved ones while they’re on vacation, it’s always better to be safe than sorry. Here are a few reasons why purchasing travel medical insurance is a good idea: 

In case of an emergency, travel medical insurance will cover the cost of your relative’s medical care. 
If your relative needs to be evacuated back to their home country, travel medical insurance will cover the cost of their transportation. 
Travel medical insurance will also provide coverage if your relative needs to cancel their trip due to a medical emergency. 
Lastly, travel medical insurance will give you peace of mind knowing that your relatives are covered in case of an emergency.  

Types of Coverage Offered 

Travel medical insurance is designed to cover unexpected illnesses and injuries that occur while you’re abroad. It will pay for things like doctor’s visits, hospital stays, prescription medications, and evacuation back to your home country if necessary. Most policies also include some basic repatriation coverage, which helps pay for transportation of your remains back home should you die while abroad. There are a variety of different types of coverage that are offered by travel medical insurance policies.

Keep in mind that travel medical insurance is not the same as general health insurance or travel insurance. Health insurance in the United States is very different from health care systems in other countries, so it’s important to have a policy that covers you while you’re here. 

How Much Does it Cost? 

The cost of travel medical insurance varies depending on a variety of factors such as the length of the trip, the age of the traveler, and whether or not they have any pre-existing medical conditions. Generally speaking, however, a good rule of thumb is to budget about $100 per person per week for travel medical insurance. To get an idea of how much coverage you need and how much it will cost, contact a few different companies and ask for quotes based on your specific situation. Be sure to read the fine print carefully so that you understand exactly what each policy covers—and doesn’t cover—before making your final decision. 

If you’re planning on visiting the United States from another country, be sure to purchase travel medical insurance before your trip. This type of insurance will cover unexpected illnesses and injuries that occur during your visit, helping to ensure that you get the best possible care should something happen. While it may seem like an unnecessary expense, travel medical insurance is worth it for peace of mind—not to mention the fact that it could end up saving you a lot of money in the long run if something does happen and you need to use your policy.