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Last Updated on February 16, 2024 by Insurdinary Editorial Team | Fact Checked by Rhonda Gary -->
Are you visiting the United States and wondering whether you should purchase travel insurance? After this OnshoreKare travel insurance review, we’re confident you’ll realize the importance and benefit of purchasing travel insurance from OnshoreKare.
OnshoreKare travel insurance provides the five following key features and more:
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OnshoreKare travel insurance provides coverage for medical expenses and other unforeseen costs for people traveling to the United States from other countries. It was founded by Indian immigrants whose parents had trouble finding medical coverage when they visited. Now, OnshoreKare covers travelers from all over the world coming to the United States for any reason.
OnshoreKare travel insurance covers a wide variety of costs and allows visitors to pick and choose their exact coverage. OnshoreKare provides some of the best coverage for medical and travel expenses while visiting the United States, especially for pre-existing conditions.
Trip cancellation insurance provides coverage if you must cancel your trip for circumstances beyond your control, such as illness, a death in the family, or a natural disaster. It reimburses otherwise non-refundable costs, including plane tickets, tour deposits, and lodging expenses. According to USA Today, in 2022, airlines canceled roughly 2.7% of all flights.
If you opt for upgraded Cancel for Any Reason coverage, you’ll receive reimbursement even if the reason for your cancellation doesn’t fall into the specific situations outlined in the traditional cancellation policy. However, while normal coverage will fully reimburse you, CFAR coverage usually returns only a percentage of your costs, and it often requires a 48-hour notification period to qualify.
Trip interruptions differ slightly from cancellations, as they happen once you’re already on the trip but unable to continue. For example, if you come down with an illness. It also covers interruptions from things like bad weather or technology failures.
Depending on the policy you choose, you can also receive coverage if a delayed flight causes you to miss part of your travel plans.
You could miss your connecting flight for a variety of reasons, many of which are out of your control. If you add missed connection coverage to your travel insurance policy, you’ll receive reimbursement for any resulting expenses.
Lost baggage is relatively common, and according to simpleflying.com, more than 680,000 bags go missing or damaged every year. This can introduce significant complications into your trip, preventing you from enjoying some of the experiences you’ve planned. It usually requires you to buy more clothing and travel supplies to replace what you’ve lost.
Thankfully, this coverage can reimburse you for stolen or damaged property as well. One important caveat is that the coverage only reimburses you for the depreciated cost of the property. So, if your expensive suitcase is five years old, you won’t receive the full cost of a new piece.
Medical coverage is important when traveling to the United States because of the high costs of care compared to other countries in the world. With OnshoreKare, you don’t have to worry about a broken leg, flu, or other medical emergency destroying your financial future.
EurekAlert! reports that, in the busiest tourist areas in the United States, nearly 25% of recreational vacations include a trip to the emergency room.
No comprehensive review of OnshoreKare insurance services would be complete without knowing what it doesn’t cover. Like other travel insurance plans, OnshoreKare doesn’t cover expenses incurred from things within your control.
For example, if you don’t have CFAR coverage (cancel for any reason), you won’t receive reimbursement if you decide to cancel your trip on a whim. As another example, if you oversleep and miss a tour or event you booked, OnshoreKare will not cover the cost of the missed appointment.
Even the best insurance policies have exclusions and stipulations, so read the policy carefully to understand your coverage.
As part of our comprehensive OnshoreKare travel insurance review, we present the following overview of the benefits of this travel insurance.
An OnshoreKare travel insurance policy provides some of the most complete coverage you’ll find. Depending on the plan you choose, it can cover a wide range of medical expenses, from treating your condition to medical evacuation. You can upgrade your cancellation coverage to include CFAR, so you never have to worry about situations out of your control.
Whether on a business trip or visiting your children, you’ll find the best coverage at OnshoreKare.
OnshoreKare offers customer support 24/7 , so no matter where you are in the world, you can talk with a knowledgeable and compassionate team member night or day. It consistently receives five-star ratings on customer service, and you’ll love that the staff is knowledgeable and easy to talk with.
One major benefit of travel insurance with OnshoreKare is that you can completely customize it. For example, why should you pay for a plan that includes coverage for missed connections if you don’t have a layover? With OnshoreKare’s customizable plans, you only pay for what you need, no matter the reason for your travel.
With OnshoreKare’s easy claims process, you won’t experience the overwhelming dread of navigating the insurance claim process. The person-centric filing process uses an online platform and dedicated agent to submit and work on your claim efficiently and with little disruption to your routine.
With a global network of medical professionals, your United States care provider can easily communicate with your doctor in your home country. Doctors in the United States have electronic access to your records, protected by HIPAA.
Is OnshoreKare legit? It’s one of the most reliable and well-regarded travel insurance providers. However, no OnshoreKare travel insurance review would be complete without talking about the disadvantages of the plan as well.
Disadvantages are hard to find with this travel insurance provider, as even the price is a good value for what you pay. Still, like all travel insurance policies, you should carefully read the fine print because even with comprehensive coverage, you’re subject to exclusions.
The price you’ll pay for OnshoreKare depends on the plan you choose. You can purchase certain add-ons, such as a 24/7 self-care hotline, for as little as $20. For medical care, you’ll have a deductible between $0 and $15.
What are the results of an OnshoreKare Insurance reputation analysis? You’d be hard-pressed to find customers with anything bad to say about this travel insurance. When reading OnshoreKare travel insurance testimonials, you’ll notice several consistent ways customers praise the company, including:
Across every review platform, OnshoreKare maintains a near-perfect five-star rating.
After reviewing this OnshoreKare travel insurance overview, you now have valuable insights to determine if their travel insurance suits your needs. When conducting an assessment of OnshoreKare's offerings, it becomes evident that their policies can be advantageous for foreign visitors.
If you are planning a trip to the United States and are seeking the best OnshoreKare policy, consider their services. Explore our website today to access free quotes and make an informed decision for a worry-free travel experience.
Here are the answers to the most common questions about OnshoreKare and travel insurance.