Technology has made life easier, bringing a wide array of products and services right to our doorstep. However, changes taking place in all spheres of life have also increased the risks that we face, especially when we travel to a different country. This is why it is always recommended to get yourself travel insurance, regardless of whether you are traveling for business or pleasure.
According to an article by International Trade Administration, published in May 2017, the US continues to be the world’s top business destination, for the sixth year in a row. This is quite apparent from the fact the America topped AT Kearney’s Foreign Direct Investment (FDI) Confidence Index, an annual ranking of CEO and investor confidence in the global markets.
If you too are travelling to the US on business, even if it is only for a couple of days, don’t leave yourself vulnerable to risks such as medical emergencies, lost baggage, stolen passport or even a terrorist attack. Stay protected for all contingencies with a good travel insurance plan. After all, it does make perfect business sense.
Best Travel Insurance for Business Travel to USA
Here’s a look at top 5 picks for visitor insurance for people traveling to USA on business.
Don’t forget to get insurance.
It is recommended that you get travel insurance when traveling to USA, as medical expense (even for common flu) can run into hundreds of dollars! Here are some of the best insurance for US visitors.
Administered by IMG, ChoiceAmerica is a popular travel insurance plan that pays you a fixed amount for all services and treatment. This is low-cost travel insurance with basic coverage and benefits. The plan offers limited pre-existing medical condition coverage and dental and vision coverage. There is no PPO network, hence you can visit any doctor.
This is again a fixed coverage plan for non-US citizens travelling to America, available at an affordable price. Inbound USA is administered by Seven Corners. In this plan, the deductible is met once per incident of sickness or injury, as well as doctor visit. After that, the plan pays a fixed amount, according to the schedule of benefits. The difference is paid by the policy holder. The plan covers for new medical conditions, accidents and injuries. It also covers acute onset of pre-existing conditions, up to the policy maximum.
Inbound Guest is a basic travel medical insurance plan, designed for visitors to USA. The plan offers limited coverage and policyholders are paid the benefits at a pre-defined rate. This plan is also administered by Seven Corners. The good thing about this low-cost visitor insurance is that it offers pre-existing coverage at no extra cost. But, if you are on a long trip to the US, the coverage and benefits might not be adequate.
Patriot America Plus
Administered by IMG, Patriot America Plus is an amazingly comprehensive plan, with international benefits available 24/7 to visitors to the US. This medical insurance plan provides health coverage and emergency services for the peace of mind of people travelling outside their home country. The plan pays up to 100% of the policy maximum, outside the US, after deductibles.
Liaison Travel Elite
Administered by Seven Corners, Liaison Travel Elite is another comprehensive travel plan that is a good choice when travelling to the United States. Just like any other comprehensive plan, it covers medical costs and other emergency services.
If you are travelling to the US for just a few days, you can choose a lower-cost, basic travel plan. However, if your trip is expected to be long and include some adventurous activities, opting for comprehensive travel insurance would be the best decision.