For anyone who is visiting the US from India, purchasing visitors health insurance before you leave should be an important part of your trip planning. Offering coverage for both unexpected illnesses and accidents, insurance for visitors from India is the best way to protect you and your family when you are visiting the US.

Travelers often think that it is best to purchase India visitors medical insurance in their home country, but this is not always the case. When you are in the US, doctors may not accept an overseas insurance coverage. While it is easy for them to confirm coverage with a local company, the same is not true for companies that are located in India.

Visitor insurance from India protects you and your family from the high costs of healthcare. With coverage for emergency care, including surgery, hospitalizations and medication, visitors insurance is a valuable investment.

Unlike long term insurance plans, visitors health insurance lasts for a short time. It is sometimes required to maintain visa status, and is a good substitute to domestic plans which typically don't offer coverage for new immigrants and visitors.

Visitors insurance India plans are different based on the coverage that they provide. Fixed benefit insurance plans, which have pre-defined limits on each type of medical service that is covered, have the lowest premiums with limited benefits. Comprehensive plans offer coverage up to your chosen policy maximum and don't impose sub- limits on each medical procedure performed.

Not all conditions are covered by visitors insurance India plans. Pre-existing conditions, such as diabetes, pregnancy or high blood pressure, are not covered. Since all plans are different, be sure to research each company's policy on pre-existing coverage.

Purchasing visitors insurance provides protection that other plans don't offer. To receive the maximum benefit, purchase your plan prior to leaving on your trip and have coverage start on the day of your departure. Experts advise having your travel plans in place before purchasing visitors insurance, including purchasing plane tickets and arranging your travel visa.

Before you leave for the US, research the options available with insurance for visitors from India. The money that you will save by having medical coverage will be worth the purchase price of a policy for you and your family.

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