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Visitor medical insurance plans provide healthcare benefits outside your home country. Experience clearly indicates that you must make sure you have adequate health insurance no matter where you travel. Health insurance protects you and your family by paying for healthcare costs.

Your health is your most important asset. The medical facilities and hospitals in the US are among the best in the world. They are also the most expensive. This coupled with the lack of socialized medical care means that you must be prepared to pay for your treatments out of your own pocket. This makes having Visitor Medical insurance all the more compelling.

Visitor Medical insurance plans are designed for sudden sicknesses or injuries occurring during a short travel period. These plans can typically cover expenses for doctor office visits, surgery, hospitalization and prescription drugs. However, these plans typically exclude coverage for chronic illnesses.

A few things to keep in mind before buying a Visitor Medical Insurance plan:

1. Benefit Types: Visitor medical Insurance plans can differ widely in the benefits they offer. Some are comprehensive and some offer fixed benefits (various plan limits apply for each type of medical service). You must prioritize the plans based on the benefits that are most important for you.

2. Duration of Coverage: If you are sure of your travel dates you may not require a plan that is renewable. On the other hand if you are unsure of your dates, it may be better if you purchase a plan that can be renewed beyond its initial term.

3. Plan coverage limit: You must purchase a plan with the coverage amount that suits your needs and your budget. It is best to purchase a plan with a high limit with a low deductible to minimize out of pocket costs. Such a plan can also be the most expensive. You must balance the plan limit and deductible such that the Visitor medical plan suits your budget.

4. Visa Status: Certain types of visas (i.e. J1 and J2 visas) require specific benefits and levels of coverage. So, double check your visa type and learn about the insurance requirements.

Buying health insurance may seem confusing sometimes so consult an insurance professional regarding the right type of plan for your situation. Professionals who focus on medical insurance for US visitors may better equipped to handle all your queries than others.