Travelling to the United States requires quite a number of documents. The US State Department defines the specific requirements for submission to be qualified. Amongst these requirements is travel insurance. Why is American visitor insurance or travel insurance needed, especially when going to the United States?
Finding the Top Insurance
There are specific qualities that are needed to find the best travel insurance coverage for loved ones traveling to the US. This is most especially needed for the special circumstances that parents would have that can make travel a bit more difficult than it already is. Under our scale, there are three top qualities needed in finding the best travel insurance for parents going to the US.
These are as follows:
- Access – this means that the payouts when claimed would be easily processed and released even when the insured is in another country. This means the accessibility of the company would be easy, either through a representative office or call or website processing.
- Capability – this means the premium is within your budget and the process of claim is clear. They must also have the financial resources to pay out when the claim is made.
- Coverage – this involves a bit of study depending on the circumstances of the traveler. If the parent has difficulty walking, then coverage has to include proximity to bathrooms and wheelchair assistance. This would involve extra coverage, especially for emergency services should any health issue arise during travel.
What Meet the Grade
After establishing the criteria to determine the best travel insurance for parents going to the US, the next step is determining what basis would the criteria be measured that is common to all the insurers. The criteria would be measured through a review of websites as to their comments and reviews. The websites are Clubthrifty.com and Reviews.com.
|John Hancock||This company is one of the most accessible insurance companies in the world. Their customer service number is easily reached from any point in the world. Their representatives are able to quickly respond to concerns and clarifications.||The company is financially able to support its investments, with $12.2 Billion available according to its own factbook. This alone makes its financial capacity beyond question.||The only coverage prohibited for this company is for extreme activities. Aside from such, the coverage is pretty straightforward especially for those with special needs like the elderly.|
|Allianz Travel||This company is also one of the most recognizable brands in the world. At Allianz, the extended coverage for their insurance is the cornerstone of their business. This extended coverage is further expanded to allow for multiple trip coverage. Their CSRs are amongst the best in providing assistance, allowing for a higher rate of company satisfaction. The access is 24/7 cancellation or interruption.||Allianz provides the best emergency medical care coverage, which includes medical evacuation and repatriation. Their coverage also includes trip cancellation or interruption for any kind of flight. Finally, there is also baggage loss/delay coverage which is pretty much the standard for the market.||One of the items that need to be wary about with this insurer is the pre-existing medical condition exclusion. Aside from this, medical care, medical evacuation, and repatriation is available worldwide.|
|Safety Wing||This insurer is also accessible but a bit for trip cancellation coverage. What it allows though is the free inclusion of children under 10 years old. Access is also allowed for an extended period of up to 364 days.||The premiums cost depending on the age of the traveler. Also included in the premium are emergency services such as medical and dental, evacuation, repatriation of remains, accidental death and dismemberment among others. Payouts are easily done as the max amount is stated at $250,000.||This is ideal for insured parties with small children. Long term travel plans can also be done by parceling the coverage to open-ended four-month periods.|
|Atlas Travel Insurance||There are two different plans available can be fit to your medical travel plan coverage. These are Atlas Travel and Atlas Premium. The only limitation would be coverage for seniors aged 80 years old whose maximum coverage is $20,000.||Atlas provides emergency medical treatment and its related expenditures such as hospital stay, medicine and ambulance services. Max amount is $1,000,000 which also covers accidental death and dismemberment, personal liability and repatriation as well as medical evacuation.||Aside from medical coverage, there is also pay outs for travel delay, baggage loss and trip interruptions but not cancellation. Mainly, Atlas focuses on medical insurance coverage for travelers.|
|AXA Travel Insurance||This is one of the most comprehensive insurance packages available for individual travelers. There are different plans, namely, the Silver, Gold, and Platinum plans essentially for protection purposes. Each plan would have a different premium altogether.||The company is able to pay for the myriad of services offered in its insurance. The plan coverage is clear and their 24/7 worldwide coverage for client concerns is top-notch.||The coverages between the plans are almost the same but their claim amounts differ. The coverages include trip protection, medical benefits for accidental death or dismemberment, emergency evacuation as well as property protection. A new coverage introduced is identity theft coverage.|
|Insure My Trip||This insurer is different as it does not issue its own policy but utilizes local insurers on the itinerary of the traveler. Here, they have a network of 21 other insurers with a best price guarantee.||Because it works through a local insurer, what the capability is of the local insurer would transfer to the insured.||Same as above. The coverage of the local insurer under the best price guarantee would be the one utilized for the insured.|
|American Express||This traveler’s insurance is for AMEX cardholders or those that procure over the counter. The focus though is for AMEX travelers.||There are four packages available with differing coverages and amounts. The benefits are for trip interruption, trip cancellation, trip delay, and lost baggage. The downside is the low end of medical coverage in the policy for all types.||The coverage is worldwide using the network of the credit card facility of American Express.|
|IMG||This insurer offers multiple plans for the budget traveler. Depending on the itinerary, the coverages available fit the budget of the traveler.||The insurance has three types, namely Travel Lite Insurance, Travel SE Insurance and Travel LX Insurance. It is called travel medical insurance, with basic coverage and the increasing coverage means higher cost.||This insurer covers up to $25,000 for trip cancellation and 125% of the cost for trip interruptions. Budget plan starts at $100,000 for accident and illness medical expenses. A special coverage is called the Patriot Medical Insurance allowing for coverage between $50,000 to $1,000,000 and with deductibles from $0 to $2,500.|
|All Clear Travel Insurance||This insurer is based in the UK. It is a medical insurer and their focus is on pre-existing medical conditions. The insurer covers over 1,300 pre-existing conditions as well as travelers of any age to any destination.||Because of the higher risk, this insurer has a higher premium compared to other travel insurance companies. There are different costs for a single trip or multi-trip coverages. The plans are Gold (the entry-level plan) the Gold Plus(higher level of coverage) and the Platinum (Includes cruise protection).||Depending on the plan, the emergency medical expenses maximum amount is £15,000,000 while the trip cancellation and trip curtailment up to £5,000 while baggage and personal loss are up to £3,000.|
|Seven Corners||Seven Corners offers travel insurance underwritten by Liaison Travel alongside other travel insurance plans. In essence, what Seven Corners offers a number of insurers for specific needs of the insured. This allows for customizing the coverage for each. This in turn is coordinated through Seven Corners.||There are three specific plans available for periods from 5 days to 364 days. The plans are the Liaison Economy, Choice and Elite. The plans are available but a bit of coordination is needed.||Medical maximums and deductibles can be customized as previously stated. The age coverage is until 69 and worldwide coverage is from $50,000 to $50,000,000. For those from 70 to 79 years of age, max coverage is at $50,000.00 and for 80+ at $15,000.|
Aside from being legally required, to do so, there are three other reasons to procure travel insurance, according to this website:
- Protect the cost of your trip if you have a travel delay or need cancellation. This is a common issue when traveling overseas, as the reasons for delay may range from mechanical issues to weather or disaster conditions. Extending costs need to be hedged against the insurance premiums.
- Offset added expenses due to a travel delay or lost, delayed or damaged luggage. While the first concerns itself with the cost of the travel (plane fare etc), this part concerns itself with the accommodations, transport and transfers and food during delays. As a budget traveler, the best way to save on this is by getting insurance coverage.
- Protect from expensive medical bills in case you are injured or become ill while traveling abroad. This is the common idea for travel insurance, having a well for medical coverage during travel and stay in the United States.
With the above reasons, there is no justification for why travel insurance is not a necessity when traveling to the US.
The Final Verdict
The aforementioned are but a review of existing insurers offering specific coverages for travel insurance. The question to determine which one is best for your parents traveling to the United States clearly is dependent on the existing health condition of your parents and the current budget available. In doing that, bear in mind the accessibility, the capability to pay and the coverage available should also be considered. This insurance is a requisite so compliance is a must.