Travel Insurance (Travel Medical / Visitor Medical)
Visitor medical insurance can help with unexpected medical costs during a trip in the USA. We help families in our community compare plans and understand deductibles, coverage limits, and plan rules.
We compare options, explain plan rules, and help you choose coverage with clarity so you understand what you are buying before you decide.
Coverage depends on the plan terms, limits, and exclusions.
The basics of travel insurance for visitors
Many people use the words "travel insurance" when they really mean visitor medical insurance. Visitor medical insurance is focused on medical coverage during a visit to the USA. Plans vary, so it's important to compare the details before buying.
Key points
- Choose travel dates and visitor age
- Compare coverage limits and deductibles
- Check network type (PPO or other)
- Pre-existing condition rules vary by plan
- Always read exclusions and limits
Your path at a glance
A simple way to choose a visitor medical plan.
Share travel details
Travel dates, visitor age, and where they are coming from.
Compare plan options
We explain coverage limits, deductibles, and plan rules in simple terms.
Buy and save your proof
You receive documents by email to keep during travel.
Know what to do if care is needed
We explain how to use the plan and what documents help for claims.
Compare plans in 3 steps
Most families compare these three items first.
Choose a coverage limit
Common choices: $50,000 / $100,000 / $250,000+. Choose based on comfort level and travel risk.
Choose a deductible
A higher deductible can reduce cost, but you may pay more first if care is needed.
Schedule a CallCheck pre-existing condition rules
Some plans may offer limited coverage in certain situations. Always check the plan brochure details.
Read FAQsKey details to know before you buy
What these plans may cover
Depending on the plan:
Emergency medical care
Urgent care and doctor visits (for covered events)
Hospital stays (for covered events)
Emergency medical evacuation (some plans)
What to watch for
Routine checkups are often not covered
Pre-existing condition coverage is limited and varies by plan
Network rules can affect cost
Exclusions and limits apply
Always review plan terms, limits, and exclusions before purchase.
Need coverage for parents visiting the USA?
Share travel dates and visitor age. We'll help you compare plans and understand the details.
Email us at info@punjabinsurance.com
Clear answers • Simple steps • No pressure