How to buy short-term travel insurance in the United States

1, outbound travel should have medical insurance.

For more and more outbound travel, many insurance companies have launched corresponding insurance products. According to relevant persons of insurance companies, companies can usually underwrite overseas travel routes signed by China, and the coverage of these accident insurance products covers accident protection, medical insurance and supplementary medical insurance; The insured amount can range from 6,543,800 yuan to 500,000 yuan according to the customer's demand, and the charging standard is determined according to the travel time, generally not exceeding 30 days.

According to reports, generally speaking, countries that can travel (except countries that transit visas through third countries) are relatively safe. Economically developed countries generally have good social order and adequate medical security, but the prices are high; In economically underdeveloped countries, the public security conditions are poor and the road conditions are unknown, but in general, after all, more insurance and more peace of mind.

Some countries have clear requirements for the types of insurance, some countries have clear requirements for the amount of protection, and some countries have clear requirements for the insurance companies insured. In this regard, outbound tourists should pay attention to careful inquiry.

2. Buy "overseas rescue" insurance.

It is understood that outbound travel is very different from domestic travel, and once an accident occurs, international rescue forces need to be used. Therefore, buying overseas rescue insurance is an effective way to protect their own interests, and it is necessary for outbound personnel to buy high insurance, especially insurance that includes overseas rescue services.

At present, more than 20 domestic insurance companies have established cooperative relations with international SOS rescue centers, such as overseas emergency rescue products of Ping An Insurance Company, which can provide international rescue services. Take company products as an example. At present, the shortest seven-day overseas rescue insurance premium is usually 140 yuan, and the longest is as high as 2,900 yuan. The insured amount ranges from 450,000 yuan to 654,380+0,000 yuan according to the premium level.

It is understood that Ping An overseas emergency rescue insurance covers arrangements for hospitalization, transfer to hospital for treatment, transfer back to the permanent residence, arrangement for children to return to the permanent residence, repatriation of remains, dental clinic, etc., which can meet higher service needs.

In terms of overseas emergency rescue, many insurance companies have launched high-standard services. According to the cooperation contract signed between China Pacific Life Insurance and International SOS Rescue Center, the insured can enjoy international medical rescue and non-medical related international travel guarantee 19 services, such as 24-hour free telephone medical consultation, prepaid hospitalization deposit and medical expenses, disease monitoring during and after hospitalization, emergency medical repatriation arrangement and payment, body transportation arrangement and payment, minor escort arrangement, legal aid service, etc.

Warm reminder: carry an "insurance card" with you.

Customers who purchase outbound travel insurance should carry their own emergency phone number and policy number with them (some insurance companies will issue a small insurance card), so that once an accident occurs, they can inform the insurance company for help at the first time. Formal insurance policies can be kept by relatives and friends before traveling.

At present, with the official opening of the team's travel to the United States, residents' outbound travel is forming a new upsurge. Insurance experts remind that in the event of an accident when traveling abroad, it is often necessary to mobilize international rescue forces, so don't forget to buy suitable and sufficient travel insurance for yourself and your family.