ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Benefits of Buying Visitor's Insurance For US travel.

Updated on October 18, 2014

So you are wondering if it is worth buying visitors insurance?

I have been wondering whether I should write this experience or not, however my wife inspired me to write it out to help everyone who is throwing money on visitor’s insurance.

The story is very simple,

My parents visited U.S. in 2009. I spent $1000 to buy best of the best medical insurance coverage for them so that pre-existing and everything is covered. The insurance was for only two months. The eight weeks passed by and I did not use even a single dollar of the coverage. In fact my father did feel one day a pain in his lower stomach, however he was not ready to goto doctor. In fact he had brought all his medicine; he took the prescribed medication and got settled by next day. So my $1000 did not come to use at all. After that my parents have visited two times and no problem at all.

How can I make a decision to buy or not to buy?

The decision making is simple 3 step:

1. Are your visitors healthy to an extent that they would not incur any medical condition other than regular fever, nausea etc.?

2. Are you ready to risk your money in a catastrophic medical condition of your visitor?

3. Are your visitors medication-aware?

If you answered “Yes” to all above three questions, then do not spend money. In any other situation, do buy basic or premium insurance depending upon preference if you would like to buy pre-existing condition or not

So why should I buy?

The standard visitor Insurance is great if your visitor guest gets sick to an extent of hospitalization for medical condition that is not pre-existing. At that point basic visitor coverage would cover up to $50,000.

In 99.9% cases , the condition is going to be minor and medical expense is going to be yours to pay. The insurance would not make a big difference.

However if you are unfortunate and a visitor does get sick, the chance is that you would repent not buying insurance.

Still visitor insurance does not cover:

1. Every visitor insurance contract clearly lays out exclusions. Even the premium plans exclude some specific medical conditions. Do read the fine print

2. The basic liability in all visitor insurance contracts is at least $50 in situations.

Is there an alternative?

Well consider personal umbrella policy and see if your guests are covered for medical condition in PUP. I know I am looking at one where I do not need to spend expensive on medical insurance for visitors.

Disclaimer: The article is purely intended to share information based on experience, Any decision taken based on this article is solely for the reader and does not constitute any legal opinion and hence obligation towards the Author.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)