To identify the best travel medical insurance for visitors coming to the U.S., we scored only comprehensive travel medical plans on the following criteria:
Cost (50% of score): Plans with lower costs were awarded the most points.We analyzed average rates for:
- A 70-year-old traveler from India coming to the U.S. for 90 days, with coverage of $100,000 with a $250 deductible (or closest deductible).
- Two travelers ages 60 and 65 coming from India to the U.S. for 30 days, with coverage of $50,000 with a $100 deductible (or closest deductible).
Trip interruption benefits (10% of score): Points were awarded if policies included $10,000 or more in trip interruption benefits. If a visitor has to cut their trip to the U.S. short and return home, this coverage can pay the costs. The reason for the trip interruption must be listed in the policy in order to make a claim.
Choices of policy maximum coverage amounts (10% of score): Points were awarded if the policy had maximum medical coverage amounts of $500,000 and up.
Urgent care out-of-network reimbursement (10% of score): Policies that cover out-of-network urgent care at 100% (after copay) earned points.
Emergency room out-of-network reimbursement (10% of score): Policies that cover out-of-network emergency room care at 100% (after copay) earned points.
Emergency dental care (10% of score): Points were awarded if emergency dental care coverage was $300 or more.
Source: forbes.com
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