How Visitors Insurance works

Visiting another country is a memorable experience, whether it’s an adventurous trip like experiencing a new culture, or something personal like hugging your relative after a long time. Whatever the reason for your upcoming voyage, it’s important to make sure that you’re meeting the guidelines for your destination of travel and are protected in the event of an unexpected emergency, like injury or illness. In this article, we’ll cover everything you need to know about visitors insurance - including visitors insurance to the USA or Canada.

What is visitors insurance?

Visitors insurance is a type of travelers insurance designed for individuals visiting another country, providing coverage for medical emergencies, including related hospitalizations and emergency transport if required, and repatriation (including transport of mortal remains). It is typically used by those staying abroad for an extended period, but can be customized for a trip of any length, ensuring you are protected in the event of a medical emergency.

How does visitors insurance work?

Visitors insurance keeps you or your loved ones protected in the case of emergency medical needs in a foreign country, as well as other unfortunate events like theft of luggage or legal assistance (including advance of bail).

Typically, visitors insurance works like this:

You purchase your (or your loved one’s) visitors insurance policy before the date of travel

Visitors insurance is usually purchased before the traveler leaves their home country. In the case that a traveler needs to obtain a visa, the insurance policy is taken out before your visa application appointment, as proof of insurance is generally a requirement. Regardless, visitors insurance policies are tailored to the duration of the stay and the traveler’s specific needs.

Your visitors insurance coverage is activated

Once you or your loved one arrives in the host country, your insurance coverage becomes active. You will now be covered under the specific terms of your policy, which were selected at the time of purchase, but include medical emergencies.

How to use visitors insurance

If you need emergency medical care during their visit, you can visit a hospital or call for emergency transportation if required. Depending on the policy, you may have a deductible (also known as excess). This means that you will need to pay the deductible first (a portion of the bill), and then the insurance will cover the remainder of the bill. If you do not have a deductible with your policy, your insurance will cover the total cost of qualifying emergency care.

Make sure you ask for a receipt and price breakdown for your records and for your insurance provider.

Visitors insurance help

When you purchase your visitors insurance with Insurte, you have access to 24/7 customer care support. We are here to offer advice, support, and guidance should you have an emergency on foreign soil and need assistance.

Visitors insurance for the USA

Traveling to the USA is a dream of many, whether it’s a trip for yourself or to bring a loved one from your home country to visit you. There’s a lot to prepare for when it comes to your stay in the United States and one of those is: what happens if you become ill or injured during your trip? Insurte keeps you protected in case of medical emergencies abroad.

What happens if a visitor gets sick in the USA?

The United States has the most expensive medical care in the world. While medical services are very high quality with top of the line standards, patients pay the price. Because of this, it’s extremely important that all visitors to the US purchase visitors insurance ahead of their trip to ensure they are covered in case of a medical emergency like unexpected illness or injury. If a traveler does not have visitors insurance during the event of an emergency, they may be stuck with a debilitating bill of multiple thousands of dollars.

How to find the best visitors insurance for your parents from India to the USA

Using an online travel comparison tool that specializes in visitors insurance is the best way to find visitors insurance for your parents arriving stateside. Mutuaide Universal is a great option for parents visiting the states from abroad as it includes Covid-19 coverage, emergency medical including transportation and repatriation, all epidemics, legal assistance, qualifying psychological assistance, and more. Mutuaide Universal can also be renewed annually if needed, which is a convenient option for those who have their parents visit every year on special holidays or other occasions. Visitors insurance gives your parents peace of mind in the USA after traveling such a far distance.

Can you get visitors insurance for your parents who are 70, or over the age of 80 for the USA?

Yes, whether your parents are 70, 80, or older, it’s possible to purchase visitors insurance to ensure that they (and you!) feel confident and at ease during their visit. Insurte’s travel insurance does not discriminate based on age, thus does not charge a higher premium for senior policyholders.

Visitors insurance for Canada

Canada has a robust, high quality healthcare system (known as Medicare), but it does not cover foreign travelers from abroad. Additionally, out of pocket expenses for Canadian medical care can carry a large price tag. Because it can be so expensive, it’s crucial for all travelers to Canada to purchase visitors insurance before their trip to ensure they are protected in case of an emergency.

How to get visitors insurance for your parents from India or other destinations abroad to Canada

Finding the right visitors insurance for your parents’ upcoming trip is important. Insurte’s online comparison tool can help you easily compare and contrast policies, allowing you to quickly become educated on what the best option for your family will be. Mutuaide Universal is the best visitors insurance for parents visiting from India. Mutuaide Universal doesn’t only promise coverage for medical emergencies and repatriation, but it also offers Covid-19 coverage, coverage in the event of any epidemic, legal assistance, 24/7 support, and more. Plus, if your parents visit you in Canada annually, Mutuaide Universal can be set to automatic renewal at no fee, so your parents are protected every visit going forward.

Can you get visitors insurance for your parents who are 70, or over the age of 80 for Canada?

Yes. You can get visitors insurance to Canada for your parents who are 70, 80, or even older. Some insurance providers have age limits or charge additional fees for seniors - especially for those with pre-existing conditions. Insurte does not charge more. Insurte does not change the price of insurance policies based on age, health history, nationality, gender, or country of departure. Your parents can be confident traveling to Canada and have peace of mind knowing they’re covered in the event of an unexpected emergency at the best price - with Insurte.

Who needs visitors insurance?

Anybody can benefit from visitors insurance. In the unfortunate event of a medical emergency while abroad, visitors insurance ensures you have support, guidance, and coverage while on foreign soil. Anybody who travels can rest assured that they’ll be taken care of should they need it.

Can you get visitors insurance with pre-existing conditions?

Yes! Travelers with pre-existing medical conditions can get visitors insurance no matter which country they’re traveling to. Some insurance companies may not extend insurance offers to individuals with pre-existing conditions, but Insurte does. In fact, Insurte won’t ask you personal questions about your pre-existing conditions when you purchase your visitors insurance. This also means that we will not change the price based on your health history. We believe in fair pricing. Do keep in mind that insurance only covers unexpected medical emergencies.

Visitors insurance for seniors

Mutuaide Universal is the best visitors insurance option for seniors. With Mutuaide, you’ll be covered for medical emergencies (including transportation and repatriation), Covid-19, epidemics, legal assistance, and 24 hour support to ensure you’re well guided and protected during your trip abroad. Additionally, Insurte doesn’t charge seniors more for their visitors insurance. You can feel at ease knowing you’re covered on your upcoming trip at the fairest price.

Should you get visitors insurance when going to the USA or Canada? insurance for seniors

When visiting the USA or Canada from abroad, it is highly recommended that you get visitors insurance. Both the USA and Canada have health care that, while very high quality, is also very costly. In case of a medical emergency, it’s advised that all travelers to these locations have visitors insurance coverage in order to mitigate potential hefty costs.

How to find the best visitors insurance

Using an online comparison tool is a great way to find the best visitors health insurance. You can easily add your details - such as how many travelers need coverage, and the country and duration of your trip - and see different policy options that suit your needs. When finding the best visitors insurance, it’s also important to think about what type of coverage you would like to have and whether or not you’d like to pay a deductible (referred to as excess). Knowing your preferences before you begin your search can help you easily eliminate insurance options when you’re comparing and contrasting solutions for your upcoming travels. No matter which country you’re traveling to, Mutuaide Universal is a comprehensive option that will give you a great assortment of benefits at one fair price.

Compare visitors insurance

When you’re choosing the best visitors insurance plan for you or your family, it’s important to compare visitors insurance options with an online comparison tool. This will help you quickly and easily compare policies in order to make the most educated purchase decision. Make sure you read the details of each plan, including what they cover, exclusions or limitations, and whether or not you’ll be required to meet a deductible before utilizing your insurance coverage. In addition to that, you’ll also want to compare pricing to ensure you get the most cost-effective solution for your upcoming trip.

How much does visitors insurance cost?

There isn’t a standard cost for visitors insurance. The price varies based on duration of trip, number of countries visited, how many travelers need to be covered, and more. The fewer days you’ll be traveling and the fewer the travelers, the less expensive your premium will be. On top of that, whether or not you choose to have a deductible (excess) will change the pricing as well. Plans with deductibles have less expensive premiums than those with no deductible. However, it comes at a price (no pun intended). In the event that you do need to use your insurance coverage abroad, if you have a deductible you’ll be expected to pay a portion of the total cost before your insurance coverage begins. It all depends on the level of risk that you are comfortable taking. If you need any help selecting the most cost-effective plan for your needs, you can reach out to us at any time and we’d be happy to help you make the most economical decision when it comes to your travel insurance.

Is visitors insurance worth it when traveling abroad?

Yes, visitors insurance is worth it when traveling abroad. In the case of an emergency abroad, whether it’s a lost passport or a medical event, visitors insurance is an ally that will keep you covered and supported through it all. The benefits of peace of mind, having an umbrella of safety, and 24/7 support far outweigh any costs.

Visitors Insurance FAQs

What is visitors insurance?

Is visitors insurance required in the USA?

Is visitors insurance required in Canada?

What’s the best visitors insurance for my parents visiting the USA from India?

What’s the best visitors insurance for my parents visiting Canada from India?

How do I find the best visitors insurance?

Can you get visitors insurance for pre-existing conditions?

How much does visitors insurance cost?

Can I get visitors insurance for my parents who are over 70 or 80?

Should I get visitors insurance for California?

No matter where you’re off to, having visitors insurance is the best way to feel at ease during your travels abroad. If anything unexpected happens during your trip abroad, you’ll know that Insurte has your back and will support you every step of the way.