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Visitor Insurance Cheat Sheet

What is Visitor Medical Insurance?

Visitor Medical Insurance protects foreign nationals coming to the United States against the physical and financial risks involved in travel by sharing the incurred costs of unexpected medical or trip expenses.

Who is eligible for Visitor Insurance?

Any non-U.S. citizen visiting the U.S.A for any rea-son, with specially designed features to suit visiting relatives such as parents or grandparents coming to stay with family. Visitor Medical Insurances are designed to accommodate most visa requirements (B1, B2, H1, L1 , J1), extending coverages to other areas such as business or student travel since visitor insurance also meets the requirements of most universities and business contracts.

Type of Plans

Comprehensive Plans
Comprehensive Plans offer extensive coverage and a flexible scope of coverage for medical emergencies and trip cancellation, best suited for higher risk travel and long periods of coverage. Equipped with a provider network, comprehensive plans offer coinsurance and deductibles to offset the high costs of medical expenses and trip cancellation which includes baggage loss, delay coverage, etc.. Payouts on these claims are higher since they compensate a percentage of coverage, instead of a fixed amount.
Fixed Benefit Plans
Fixed Benefit Plans payout a predetermined amount for claims, of which, are specified in the benefit summary and unique to each claim. While fixed benefit plans are more affordable, they provide a lower policy maximum than comprehensive coverage plans. These policies are designed for those seeking lower upfront costs; i.e. premiums, low risk travel, or short trip durations.

Do Visitor Medical Insurance policies have age restrictions?

Some visitor medical insurance policies cap at a certain age, but there are still plenty of plans that extend limited coverage for visitors up to age 89. For a complete list, check out www.G1G.com. Regardless of age, visitor coverage does not require medical examination, but does limit coverages for pre-existing conditions.

Coverage by Age of Traveler
Traveler's Age Acute Onset of a Pre-existing
Condition Coverage
0-69 $1M Policy Maximum $1M
70-79 $100,000 Policy Maximum $2,500
80-89 $50,000 Policy Maximum $1,000

Visitor Coverage Includes

Emergency Medical Treatment
Any instance in which a visitor is required to seek immediate medical treatment while visiting the U.S.
Medical Evacuation & Repatriation
Arranges medical transport for a traveler to receive the best care, or covers costs of returning the in-sured person to their home country
Trip Interruption
Reimburses visitors for lost trip expenses if they need to cut their trip short and return to their home country.
Travel Delay
Pays for extra accommodations if a trip is delayed by a common carrier
Loss of Baggage or Delay
Reimbursement for clothing, toiletries and other es-sential items if luggage is delayed by a common carrier, stolen or damaged.
AD&D Accidental Death & Dismemberment
Payment for the loss of life or limb while traveling. Payouts will be paid to the insured person's benefi-ciary should s/he perishes while abroad.
24/7 Worldwide Assistance
A live travel expert is standing by to helps visitors deal with claims, medical treatment, and other travel-related emergencies.
Emergency Reunion
If hospitalized abroad, Emergency Reunion trans-ports one person of the visitor's choosing to be with them.
Local Ambulance
In the event of a medical emergency, services ren-dered for transportation are covered

Key Terms In Visitor Insurance

Pre-Existing Conditions
While the look back period varies from policy to policy, a pre-existing condition is any medical condition acquired prior to purchase of a policy that could require future medical treatment.
Look Back Period
The Look Back Period is the time prior to purchasing a policy that an underwriter deems relevant to your current state of health. This period of time is used to determine or exclude past treatments as pre-existing conditions. This time frame varies by policy.
Copay
For every claim made on a comprehensive policy, a predetermined payment is required. This payment is the visitor's owed portion for services rendered.
Deductible
The amount you pay before your insurance begins paying on a claim. This quantity is adjustable to the liking of the insured visitor, but keep in mind that a lower deductible means a higher premium.
Provider Network
All comprehensive plans come with a list a preferred healthcare providers for the insured person to choose from when seeking medical attention. Apart from ensuring quality service, these facilities are guaranteed to meet the standards of coverage, as well as, offer extensive discounts when used.
Common Carrier
Any professional and licensed transport service such as an airplane, boat, bus or train.

How to purchase Visitor Medical Insurance:

Use G1G's search engine to find the right policy for your visiting relative.
Simply:

1. Visit www.g1g.com

2. Enter a few details about your visitor

3. Compare policies and customize to meet their specific needs

4. Enjoy the journey!

...or call 800 257 7718 and speak to a live travel expert 24/7!

What costs are covered with Visitor Medical Insurance?

Surgical Treatment
The treatment of injuries or disorders of the body by incision or manipulation, especially with instruments.
Hospital Room & Board
Coverage for room, board, and other expenses in-curred during the course of a hospital stay.
Intensive Care Unit
Intensive care units are intended for patients with severe or life-threatening illnesses and/or injuries, which require constant monitoring and support from special equipment and medication in order to ensure normal bodily functions.
Physicians Visit
Non surgical visits to a doctor are covered so long as immediate treatment is deemed necessary
Slips and Falls
Older relatives visiting the U.S. are particularly prone to minor accidents. Visitor Insurance protects against accidents at home and while out-and-about.
Seasonal Cold & Flu
Periods of seasonal sickness are becoming more frequent and longer every year. Visitor Insurance allows your visiting relatives to see a physicians for these aliments.
Prescription Drugs
Any type of medicine that requires a prescription from a licensed healthcare provider before it can be obtained. It's important to note that visitor insurance only covers prescriptions in the event of an emergency. All pre-existing prescriptions should be filled before departing for travel.
Physical Therapy
Accidents happen, and the duration of treatment(s) occasionally last longer than a singular visit to a physician. If your visiting relative requires attention to regain full mobility, they will be covered with visitor insurance.
Inflight & Stopovers
A lot can happen while traveling to and from the U.S. Visitor insurance extends coverage during an insured person's travel aboard a common carrier or while waiting in airports.
Trip delay and Interruption
Any unplanned or unintentional disruption of your travel itinerary such as illness or inclement weather. This may include lost accommodations or reserved air travel.
Travel Baggage
Airlines or other carriers might not provide the full compensation for a traveler's baggage, in which case Baggage Delay or Loss Coverage will help make up the difference.

What's NOT covered

Claims resulting from...

  • Suicide / Self inflicted injuries
  • Immunizations
  • Routine physical Examinations
  • Childbirth
  • Intoxicated
  • Illegal activity
  • Elective treatment
  • A mental or nervous condition
  • Piloting an aircraft
  • Professional or contact sports
  • Base jumping
  • Bungee jumping
  • Off-road motorized vehicles
  • Auto racing
  • Mountaineering
  • Animal racing
  • Spelunking
  • Underwater diving (below 32 ft.)
  • Big game hunting
  • Endurance racing

See listed 'Exclusions' located in the policy details

What's a pre-existing condition and what is covered?

A preexisting condition is any medical affliction that predates the purchase of your policy and falls within the underwriter's look back period. While the routine treatment of a pre-existing condition is NOT covered, the acute onset of a pre-exsiting condition is covered. Meaning, if you suffer a medical emergency resulting from a preexisting condition, the underwriter will cover the expenses in accordance with the details of coverage. This is a difference between routine care and emergency care, with the latter being the only coverage offered by visitor insurance.

Essential Tips

  • Cheaper isn't always better - neither is the most expensive. Finding the right policy doesn't simply mean taking out the most coverage. There is such a thing as 'too much coverage.' Don't waste your money.
  • Reduce costs and maximize your benefits by pur-chasing separate plans when expecting multiple relatives
  • Lower costs by opting for a higher deductible. If visiting the U.S. for more than 30 days, it is best to increase your policy maximum and offset the cost by selecting a higher deductible.
  • Take advantage of in-flight and stop-over coverage by selecting travel dates that include the day before and after your trip.
  • Leaving your home country? You need medical cov-erage. Many health insurance plans won't cover you abroad.
  • Read your policy. This is only a guide to help you un-derstand the basics. There is never an excuse for not reading the benefit summary.

Essential Tips

Destination
You won't need to specify which state, but you will need to clarify your plans to visit the U.S.
Travel dates
Be sure to include days of travel
Age of traveler(s)
A major determining factor for scope of coverage and premium

No medical exam is required and plans may become effective by midnight the following day

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