Travel insurance for the United States (B2) is not included in the list of required documents for a visa. Therefore, Russian tourists often do not care about its presence.
If the purpose of your trip is to work or study in the United States, then travel insurance for traveling abroad will not suit you and you need to take out special insurance for each type of trip.
Why do you need health insurance in the USA?
In the United States of America, the healthcare system is built differently than in Russia, and each citizen purchases an insurance policy for himself or his family or pays for medical services for each insured event on his own.
The cost of medical services in the US is very high. Calling an ambulance can cost $1,000; hospitalization for one night will also cost about $1,000. Moreover, it is important to understand that when billing for medical services, all medical actions will be counted and the total amount can increase significantly!
In order not to pay out of pocket in the event of an insured event, it is important for a tourist to have an insurance policy with him on a trip that can cover possible risks.
Therefore, the minimum recommended coverage under a US travel policy is $50,000 or $100,000.
What risks should a policy take into account for traveling to the USA?
The insurance policy for the United States must include the minimum insurance risks:
Expenses for emergency medical care (medical and transport costs, including first and emergency care, hospitalization, diagnosis, and treatment).
Expenses for emergency dental care.
Expenses for an early return home.
Living expenses until return.
Expenses for telephone conversations with an assistance company.
As well as additional insurance risks:
Costs in the event of an accident.
Costs for a visit by a third party.
Expenses for the return of minor children.
Expenses for assistance in case of theft/loss of documents.
Legal aid costs.
Expenses for lost luggage.
Civil liability insurance.
It is also important to observe the following points when applying for an insurance policy:
The validity period of the policy must begin no later than the day of departure abroad.
The document must be drawn up in Russian and English in printed versions.
If a tourist decides to buy insurance for a trip to the United States immediately upon arrival in the country, then when choosing insurance options on our website he must check the box “already traveling”.
It is also important to take into account that the American insurance offered at the airport will be much more expensive, and does not guarantee the presence of Russian-speaking operators and a representative office in Russia, where it will be possible to submit the necessary documents for an insured event at the request of the insurance company.
Travel insurance requirements
Insurance for a short-stay tourist visa
If a tourist travels for a certain short period of time in the United States, then the requirements for travel insurance are standard and are described above.
If your travel plans include going in for sports or extreme sports, as well as active recreation, this must be ticked off "sport/extreme" on the website when buying a policy in order to choose the right insurance program.
Insurance for obtaining a multi visa
When choosing an annual insurance program, you can set a limit on the time of stay of 30, 60, 180, or more days a year. To do this, you need to put a tick on the site "annual policy" and select the number of days of stay on the trip.
Such multi-visa travel insurance in the US will cost less than multiple policies for each trip. It is important to carefully look at the insurance rules of each insurance company regarding the renewal of such insurance.
Insurance for student and work visa
Staying in the United States on a student or work visa implies an insurance contract for more than two months, so insurance must have increased insurance coverage. Long stays abroad to increase the risk of health problems. It is also recommended to add the option “Public Liability Insurance” to the insurance for a US visa.
How to buy travel insurance for the USA
The service portal www.saveprolife.ru offers tourists traveling to the USA the best choice of insurance product, which will take into account the necessary risks specifically for the purpose of the trip.
When applying for a policy on our website, you can compare insurance programs by price and by the presence of risks in each insurance company, learn about unique insurance products that are only available on our website, and apply for a suitable insurance policy online.
On the site, you can calculate the cost of insurance for a multi-visa in the United States for 30 days, 90 days, six months, or a year.
After paying for travel insurance online in the United States, you will receive a policy by e-mail. All you have to do is print the document and take it on a trip.
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