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	<title>Visitors Coverage</title>
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	<link>http://blog.visitorscoverage.com</link>
	<description>Travel Medical Insurance Blog</description>
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		<title>Trip insurance Vs Travel medical insurance</title>
		<link>http://blog.visitorscoverage.com/trip-insurance-vs-travel-medical-insurance/</link>
		<comments>http://blog.visitorscoverage.com/trip-insurance-vs-travel-medical-insurance/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 00:16:39 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=164</guid>
		<description><![CDATA[Travel insurances is a broad term used for insurance that provide coverage for your travel. Typically travel insurance can be broadly categorized in to two categories Trip Insurance (Protection financial losses  due to Unexpected Trip related issues) Medical Insurance (Protection for Health related Issues) Let’s understand the Trip insurance vs. Travel medical insurance Trip insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Guidelines for Online insurance buyers : Beware</title>
		<link>http://blog.visitorscoverage.com/guidelines-for-online-insurance-buyers-beware/</link>
		<comments>http://blog.visitorscoverage.com/guidelines-for-online-insurance-buyers-beware/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 17:46:42 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Travel insurance, Trip insurance]]></category>
		<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=156</guid>
		<description><![CDATA[Internet, the most convenient and popular tool to research and make online purchase. While it provides  the convenience to do things online with simple clicks, it can be tricky for certain line of products/service like insurance. Following guidelines can be helpful for Visitors Insurance buyers. - Do not completely believe on what you read on [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Usual Customary &amp; Reasonable reimbursement</title>
		<link>http://blog.visitorscoverage.com/usual-customary-reasonable-charges-ucr-explained/</link>
		<comments>http://blog.visitorscoverage.com/usual-customary-reasonable-charges-ucr-explained/#comments</comments>
		<pubDate>Wed, 15 Sep 2010 22:55:13 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=146</guid>
		<description><![CDATA[Most medical insurance plans  reimburse based on Usual, Reasonable and Customary charges (UCR) for all covered expenses. What is UCR  based reimbursement? Usual Customary &#38; Reasonable reimbursement  refer to an established maximum amount that an insurance company will reimburse for a particular medical service or procedure, covered under a health insurance policy. UCR charges are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How much Policy Maximum is Good for Travel or Visitor insurance</title>
		<link>http://blog.visitorscoverage.com/how-much-policy-maximum-is-good-for-travel-or-visitor-insurance/</link>
		<comments>http://blog.visitorscoverage.com/how-much-policy-maximum-is-good-for-travel-or-visitor-insurance/#comments</comments>
		<pubDate>Thu, 09 Sep 2010 18:43:00 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=139</guid>
		<description><![CDATA[How much Policy Maximum to choose for your Travel insurance? Policy Maximum is the maximum limit that the insurance company will be liable to pay for covered services. Depending on the type of policy you choose, Policy Maximum can work differently. • Per Policy Period Type: The Policy Maximum applies to the whole policy period [...]]]></description>
		<wfw:commentRss>http://blog.visitorscoverage.com/how-much-policy-maximum-is-good-for-travel-or-visitor-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Emergency Room Coverage-When to Use ER</title>
		<link>http://blog.visitorscoverage.com/emergency-room-coverage-when-to-use-er/</link>
		<comments>http://blog.visitorscoverage.com/emergency-room-coverage-when-to-use-er/#comments</comments>
		<pubDate>Mon, 23 Aug 2010 19:07:34 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=134</guid>
		<description><![CDATA[Emergency room or ER Visits in the US are extremely expensive. This is true even for minor non-emergency problems like allergy or sore throat and fever. The ER charges are notoriously high because the 24 hours running cost of all medical equipment and personnel are pretty high. Just for using the ER facility, you end [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pre-Certification – What, When, and Why</title>
		<link>http://blog.visitorscoverage.com/pre-certification-what-when-and-why/</link>
		<comments>http://blog.visitorscoverage.com/pre-certification-what-when-and-why/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 05:11:37 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Travel insurance, Trip insurance]]></category>
		<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com/?p=120</guid>
		<description><![CDATA[Let&#8217;s get familiar with the term and process known as “Pre-certification” to avoid any claim related issues. While you may not need pre-certification for each and every medical service you take, it is important to understand when you should. Let&#8217;s understand what is pre-certification and when is it required for visitors and travel medical insurance? [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>&#8220;Return of Mortal Remains/Repatriation&#8221;- A must feature to look for</title>
		<link>http://blog.visitorscoverage.com/return-of-mortal-remainsrepatriation-a-must-feature-to-look-for/</link>
		<comments>http://blog.visitorscoverage.com/return-of-mortal-remainsrepatriation-a-must-feature-to-look-for/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 00:22:30 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Travel insurance, Trip insurance]]></category>
		<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com//?p=110</guid>
		<description><![CDATA[It is heart-breaking to imagine the death of a loved one when they are visiting you in USA. Not only would this be emotionally devastating, it would be financially disastrous. The cost of taking the mortal body of a person back to the home country can be extremely expensive. So for all practical purposes, it [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hazardous Sports Coverage : Who needs it?</title>
		<link>http://blog.visitorscoverage.com/hazardous-sports-coverage-who-needs-it/</link>
		<comments>http://blog.visitorscoverage.com/hazardous-sports-coverage-who-needs-it/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 06:33:12 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com//?p=99</guid>
		<description><![CDATA[When you apply for the Travel medical policy, you may notice an option for Hazardous Sports Coverage. What is Hazardous Sports Coverage Rider ? and who needs it? Extreme recreational sports activities like hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowboarding and caving etc, are normally excluded from visitor’s insurance policies. Any injury [...]]]></description>
		<wfw:commentRss>http://blog.visitorscoverage.com/hazardous-sports-coverage-who-needs-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Travel Insurance &#8211; Why Do I have to pay Upfront at the Pharmacy?</title>
		<link>http://blog.visitorscoverage.com/travel-insurance-why-do-i-have-to-pay-upfront-at-the-pharmacy/</link>
		<comments>http://blog.visitorscoverage.com/travel-insurance-why-do-i-have-to-pay-upfront-at-the-pharmacy/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 22:58:35 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com//?p=96</guid>
		<description><![CDATA[Unlike domestic insurances, you will need to pay the pharmacist upfront and then get reimbursed by the insurance company. For visitor’s plans, there is no preferred provider network for pharmacy.  You can go to any pharmacist of your choice. Make sure you have a prescription from a US licensed doctor. Pharmacies do not maintain a [...]]]></description>
		<wfw:commentRss>http://blog.visitorscoverage.com/travel-insurance-why-do-i-have-to-pay-upfront-at-the-pharmacy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Travel medical insurance: buy separate policy for spouse or a combined policy?</title>
		<link>http://blog.visitorscoverage.com/travel-medical-insurance-buy-separate-policy-for-spouse-or-a-combined-policy/</link>
		<comments>http://blog.visitorscoverage.com/travel-medical-insurance-buy-separate-policy-for-spouse-or-a-combined-policy/#comments</comments>
		<pubDate>Wed, 26 May 2010 14:42:04 +0000</pubDate>
		<dc:creator>Rajeev Shrivastava</dc:creator>
				<category><![CDATA[Visitor Insurance]]></category>

		<guid isPermaLink="false">http://blog.visitorscoverage.com//?p=69</guid>
		<description><![CDATA[It does not make a difference to your premium amount, policy maximum or benefits, if you buy individual policies or combined policy to include your spouse. But buying individual policies gives you more flexibility and advantages.]]></description>
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