Contents
Advantages of Local Insurance in the USA
Visit Hospitals that Allow Direct Billing from Insurance Companies
After purchasing insurance in the USA, access My Account. As shown in the video image below, you can search for hospitals in the USA that are affiliated with the insurance company. If you visit an In-Network hospital, the insurance company will directly handle your medical expenses. 96% of hospitals in the USA are part of the Network, making them easy to find anywhere.
Why you need to purchase Visitor Medical Insurance USA
Ensuring Your Financial Security and Peace of Mind
Visiting the United States is an exciting and enriching experience, but it's crucial to understand the potential risks associated with unexpected medical emergencies and the exorbitant cost of healthcare in the country. The truth is, medical expenses in the United States can be incredibly high, and having proper insurance coverage is not just an option but a mandatory requirement for your financial security and peace of mind.
Get a Quote
Eligiblity of Visitor Insurance USA
Visitor Insurance for USA Visitors & Tourists
Tourists
Tourists
Individuals traveling to the U.S. for both long and short durations
Visiting family members or relatives
Visiting family members or relatives
Individuals coming to the U.S. to meet family members, relatives, or friends
New immigrants
New immigrants
Individuals holding H-4 or F-2 visas who have not yet received U.S. medical insurance benefits
Coverage Benefits of Visitor Insurance USA
Coverage Benefits of Visitor Insurance USA
Whether you visit a walk-in clinic for minor illness or an emergency room for severe flu, you are covered. Explore plans from prominent U.S. insurers that offer coverage benefits tailored to the U.S.
Up to $8M
Dental & Health & Eyes
Professional Services
Prescription Drug
With the Comprehensive Plan, deductions apply per policy. This plan offers extensive coverage benefits, and if you visit hospitals within the PPO Network, you won't need to pay hospital bills. It's suitable for individuals who frequently require hospital visits or seek premium insurance coverage.
| Benefits | Insured Amount |
|---|---|
| Eligible Medical Expenses | $10,000~$8M |
| Physician Visits / Services | Up to the maximum limit |
| Walk-in Clinic | $0 copay (when the $0 deductible isn't selected), $15 copay (when the $0 deductible is selected) |
| Urgent Care Clinic | $0 copay (when the $0 deductible isn't selected), $25 copay (when the $0 deductible is selected) |
| Hospital Emergency Room: Inside the U.S. | Up to the maximum limit. |
| Hospital Emergency Room: Outside the U.S. | Up to the maximum limit |
| Intensive Care | Up to the maximum limit |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory,Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance. |
| Traumatic Dental Injury | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. |
| Emergency Eye Examination | $150 limit |
| Chiropractic Care,Physical Therapy | Up to the maximum limit |
| Prescription Drugs and Medications | Dispensing limit per prescription: 90 days |
| Accidental Death & Dismemberment (AD&D) | $50,000 principal sum |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible or coinsurance. |
| Bedside Visit | $1,500 maximum limit |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible or coinsurance. |
| Return Travel | $10,000 maximum limit. Not subject to deductible or coinsurance. |
| Return of Minor Children | $100,000 maximum limit. Not subject to deductible or coinsurance. |
| Return of Mortal Remains or Cremation/Burial | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible. |
| Pet Return | $1,000 maximum limit. Not subject to deductible or coinsurance. |
| Small Pet Common Air Carrier Accidental Death Benefit | $500 maximum limit. Not subject to deductible or coinsurance. |
| Identity Theft | $500 maximum limit. Not subject to deductible or coinsurance. |
| Personal Liability | $25,000 combined maximum limit |
| 30days Premium Example | $100,000 Plan ($250 Deductible) : $51.90 (29yrs), $76.20 (39yrs), $93.60 (49yrs), $152.10 (59yrs), $206.40 (69yrs) |
Precautions When purchasing Travel Insurance for USA
When visiting the USA, you should be insured for more than $500,000 for enough coverage
A client who slipped coming out of an airport restroom was transported to the hospital by airport staff. Although not seriously injured, she was taken to the hospital in an ambulance upon request and stayed in a hospital room for a day undergoing various tests. After being confirmed with no issues, she was discharged immediately. Assuming that the airport had taken care of everything as no medical bills were charged, she went home with peace of mind. However, a month later, several medical bills started arriving by mail, totaling approximately $400,000 USD. Thanks to having local insurance in the USA, the insurance company dealt with the hospital regarding the medical bills and settled all the amounts.
Why Should You Purchase Visitor Insurance USA from Local Insurers?
Even High Medical Bills, Even Tens of Thousands of Dollars, Paid Directly by Insurers with PPO Network
If you suddenly face hospital bills worth tens of thousands of dollars, it would be a significant burden for anyone. With the Comprehensive Plan, when you visit a hospital within the PPO Network, you don't need to pay substantial medical bills. This is a unique advantage of Visitor Insurance USA.
Visitor Insurance USA from local insurers is designed to align with the U.S. healthcare system, ensuring you receive maximum benefits for your premium.
The majority of hospitals across the U.S. are part of the PPO Network. Visit hospitals within this network, and by showing your insurance card, you won't need to pay hospital bills.
Visitor Insurance USA Services
How Stonewell become the number 1
Diseases and accidents do not take holidays. Accordingly, we operate email, phone, and chat consultations without any days off.
Due to our large number of clients, we have top-tier contracts with major insurance companies. We're qualified to offer the best coverage benefits at the lowest prices.
The purchase of insurance may not differ significantly depending on where you buy it. It's like buying the same Lego set from Costco or a Lego store. You don't necessarily have to purchase through Stonewell. However, when you actually need to use the insurance, make sure you will receive adequate support. Unfortunately, many providers in the industry tend to be unresponsive after purchasing.
QUICK LINKS
Health Insurance by DestinationTravel Insurance by ActivityTravel Insurance by DestinationVisitor Insurance TypesVisitors to U.S.A.Students Plan
International Student InsuranceStudy Abroad InsuranceOPTJ1/J2 Visa Exchange Visitor InsuranceMedical Evacuation & Repatriation Insurance