What Visitors Insurance Does Not Cover: Common Visitors Insurance Exclusions & Limitations
While visitors health insurance is useful in certain circumstances, it’s important to recognize that, like any other insurance plan, a visitors insurance plan has payout limits and exclusions. Luckily for you, those limits and exclusions are listed right in the policy’s description of coverage document. It’s critical that every traveler review the exclusions of their policy to understand what will and will not be covered and why.
Most Common Visitors Insurance Exclusions include:
- Canceling or interrupting your trip for a non-covered reason. This means you can’t cancel your trip for any reason at all and expect a reimbursement. Trip interruption and trip cancellation insurance only reimburses you for covered reasons.
- Medical treatment due to a sudden recurrence of a pre-existing medical condition. This means that you won’t have coverage for medical expenses that result from pre-existing conditions.
- Any losses due to civil unrest, self-inflicted injury, terrorism, alcohol and drugs, and more.
- Risky activities such as skiing, snow boarding, parasailing, hang-gliding and more.
- Expensive items like jewelry, cameras, electronics, clothing, and more.
These are just the standard exclusions. Exclusions may vary depending on your specific visitors insurance plan.
Some Exclusions May be Waived with the Right Plan
Some of the exclusions can be waived by purchasing your plan early or buying an optional rider to enhance your plan. This is how you can get coverage for medical care even though you have a pre-existing medical condition.
Most international visitors insurance plans allow for an evacuation even when the insured traveler is experiencing the acute onset of a pre-existing medical condition, but the plan may limit the expenses. For example, you may have purchased a plan with $300,000 in emergency medical evacuation coverage but it covers only $25,000 if the evacuation is necessary due to acute onset of pre-existing condition.
It’s important to understand and handle those details at the time of purchase.
Pay Attention to the Medical Evacuation Coverage Maximum
Emergency medical evacuation coverage coordinates and pays for a medically equipped helicopter or jet to carry the insured traveler to the nearest medical facility that can treat their medical condition. Once the traveler is stable and it is safe to travel, medical evacuation coverage also transports the traveler back home. All the costs are covered by the visitors insurance provider as long as the traveler purchased a plan with a high enough limit.
Most experts recommend having at least $50,000 in emergency medical evacuation coverage. This amount is ideal if you are a U.S. citizen visiting Mexico or a Canadian citizen in the U.S., for example, because the distance is not great. If you are traveling far from your home country, then a limit of $200,000 is not out of the question. A traveler who has to be evacuated from New York City back to Hong Kong, for example, could expect to pay up to $180,000 for his medical evacuation depending on his condition and the medical services provided.
All Arrangements Made by Insurance Providers
The traveler cannot arrange for their own evacuation and get reimbursement - all services must be coordinated by the insurance provider. When an insured traveler is injured or falls ill, contact the insurance company immediately. Not only are they experienced at this type of coordination, they also have air rescue and emergency medical teams on hand to quickly help the traveler.
For a detailed list of what may not be covered, learn more about visitors insurance exclusions.