Insurance for Travel to the US

Published On December 7, 2016 | By Shomik James | Travel

Travelling to the United States is an incredible opportunity for just about anyone. The US is one of the hottest tourist destinations in the entire world and draws in people from all around the world. Every year, millions of people travel to different parts of the country. One of the reasons for that is the sheer size of the United States. When you’re in the UK, you can travel the entire length of the country and experience the same weather and the same animals. That’s not the case in the US. The East Coast is as different from the West Coast as different countries are in Europe. That also means that the federal system varies from state to state. If you’re going to travel to the United States, you need travel insurance.

Why You Need Insurance

Travelling to the United States should always involve travel insurance for two distinct but related reasons. The United States does not have universal healthcare coverage or a single taxpayer-funded healthcare system. Individual Americans have to buy their insurance themselves, or their employer provides it. As a non-citizen, you would not qualify for healthcare coverage in the US. Furthermore, the country is divided into 50 different states that are able to set many of their own laws independent of the central government. That means you might qualify for healthcare coverage in one state but not in a bordering state. If you’re going to California, you should invest in travel insurance. To find the very best plans, you can compare travel insurance for pre-existing medical conditions with Medical Travel Compared.

Pre-Existing Conditions

Pre-existing medical conditions are those that you had before you bought insurance. That doesn’t mean the flu or a cold. Rather, a pre-existing condition is a chronic and ongoing condition, such as diabetes or cancer.

An insurance company makes its money through premiums paid by their customers. When the customer makes a claim, the insurance company then covers the cost up to the agreed upon amount. However, that means that companies will make more money if they take premiums from people who do not make claims. That’s why young and healthy people do not pay very high premiums. They are less likely to make a claim. A person with a pre-existing condition, on the other hand, is more likely to make a claim. They are charged more for their coverage because insurance companies are trying to make the most money. Some companies charge exorbitant rates, which is why it’s so important that you consult a website where you can compare different kinds of coverage for pre-existing conditions. The companies are all in competition with each other, which can drive down rates.

Also, there are companies that specifically cover those with pre-existing conditions. You should do everything you can to find the lowest rates. The United States is an incredible tourist destination, but you need to make sure you are covered medically.

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