Archive for July, 2009

When deciding as to whether you need travel insurance to USA you need to look at the cost of your trip, the possibility of needing emergency medical treatment and what types of activities your are planning on participating in that you want covered by travel insurance to USA. When starting your search for the best policy, you need to have all of your information at hand. If your trip is pre-planned and fully paid for before your departure you have the greatest variety of plans available to you. If you are only planning a trip to the USA, you will not need to look at world, Canadian or Australian travel insurance. If you purchased one of those policies you would be paying for more coverage than you need.

In your search you want to find a company or companies that offer travel insurance to USA as an option versus worldwide travel insurance. If you are planning on traveling to the United States on a Visa option your travel insurance to USA is required and different than someone planning a short term trip. Most travel insurance companies offer medical coverage to satisfy the United States Visa requirements. I am going to go through an example of what kind of results you can get as a United Kingdom citizen traveling to the United States and what the options are in addition to the costs for travel insurance to USA.

I entered my own age of 50, my wife’s age of 41 and my three children’s ages of 11, 8 and 5 along with a trip cost of three thousand dollars for both adults and a fifteen hundred dollar cost for each of the children. I got only two results from quotewright.com and the insurer was International Medical Group. There was a basic plan that covered the entire family for a little over four hundred and fifty ($450) where the basic medical coverage was a maximum of ten thousand dollars ($10,000) per person, evacuation limit of twenty thousand dollars ($20,000), trip cancellation and interruption coverage of one hundred percent (100%) of the trip cost.

The Patriot TRIP Elite Plan increases the coverage extensively while costing only about a third more. The medical coverage limit increases to fifty thousand dollars ($50,000), the evacuation limit to one million dollars ($1,000,000), the trip cancellation coverage stays the same, but the trip interruption coverage goes to one hundred and fifty percent (150%) of your trip cost. The premium goes to five hundred sixty eight dollars and change ($568). With the Elite package you get all of the other benefits available like trip delay, baggage loss or theft, accidental death, airline death and rental car collision coverage.

When choosing your level of coverage, your comfort level along with your financial happiness is very important in making the exact coverage decisions. If you plan on participating in activities that may result in injury or loss of equipment you may want to look at additional coverage for your travel insurance to USA for sports like skiing, rock climbing and other such sports.