Travel Insurance And Scholareships in USA and Job Opportunities for Africans – Travel Insurance

Because of the Covid19 pandemic, international travel has become difficult. Given the high expenses of healthcare and the strain on healthcare systems around the world as a result of Covid19, having the best Covid19 Africa travel insurance is very crucial while traveling abroad. This reduces the financial dangers of being stuck outside of your home nation due to a medical emergency.

Job Searching Basics for Africans
In the United States, foreign nationals have a wide range of job prospects. Living and working in a different nation, immersed in a different culture, and meeting new people can all be great experiences.

Some people come to the United States permanently for education and jobs, while others come for a specific length of time.



Depending on your career ambitions, you will require a different form of visa and work permit.
There are various options for foreign individuals interested in working in the United States, including employment-related green cards (permanent residency), exchange visitor work and study visas, and seasonal and temporary worker visas.

Here you’ll find information on working in the United States, including work visas, green cards, and the green card lottery, as well as tips on avoiding visa frauds.
Because the visa application procedure can take a long time, apply far ahead of your intended immigration date.

1. Workers Authorized to Work in the United States
There are several categories of foreign workers permitted to work in the United States including permanent immigrant workers, temporary (non-immigrant) workers, and student and exchange workers:

➣ U.S. Green Card Holder
➣ Exchange Visitor Visa
➣ Temporary Work Visas (Non-Agricultural)
➣ Temporary Worker Visas (Skilled Workers)
➣ Seasonal Agricultural Worker Visas
2. How to Obtain a U.S. Work Visa
To work in the United States, foreign individuals who are neither American citizen or lawful permanent residents must get a work visa as well as a work permit, officially known as an Employment Authorization Document (EAD).
For foreign nationals who desire to work in the United States, there are numerous types of work visas available, including temporary work visas, seasonal work visas, and exchange worker visas.

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You must first get a visa from the United States Embassy or Consulate in your home country or the country nearest to your foreign location before going to work in the United States.
Examine the several types of work visas available in the United States, as well as the requirements for each, as well as how to apply for a visa to work in the United States.

3. How to Get a Green Card

A green card, properly known as United States Lawful Permanent Residency, allows workers to live and work in the United States forever.
Some categories, however, require a certification from the United States Department of Labor demonstrating that there are not enough able, willing, qualified, and available American workers in the geographic area where the immigrant will be employed, and that no American workers will be displaced by foreign workers.

The yearly green card lottery (Diversity Immigrant Visa Program) gives potential immigrants the chance to become permanent legal residents of the United States.

Each year, this program awards up to 50,000 green cards to applicants who are chosen at random in a lottery known as the “Green Card Lottery.” Those interested in applying for the Green Card Lottery can do so online.

4. How to Get a U.S. Work Permit

If a person is not a US citizen or a lawful permanent resident, they will require a work permit, also known as an Employment Authorization Document (EAD), to verify their status to work in the country.

In addition to the work visa required for admission into the United States, an EAD will be required.

5. How to Get a Social Security Card

If you are a non-American citizen interested in working in the United States, you will need a social security number in order to do so.
Learn how international workers can apply for a social security number and obtain a social security card.

6. Verifying Eligibility to Work

When you are employed for a job in the United States, you must show that you are eligible to work in the country.
Employees must fill out the I-9 form to prove their ability to work in the United States.

7. Avoid U.S. Visa Scams

When looking for work in the United States, be wary of scammers that promise to help you obtain a visa.
It’s crucial to note that there are never any fees associated with applying for a work visa in the United States or obtaining US government application forms or instructions.

Job Opportunities for Africans
U.S. jobs most held by immigrants, ranked
At last count, 28.2 million people, representing 17.4 percent of America’s employed workforce, was made up of foreign-born people, including immigrants, according to the U.S. Department of Labor.

Where do these millions of people work?
Here’s the breakdown on the 20 job categories tracked by the Labor Department, and ranked from the occupations that the foreign-born are least likely to hold, to those jobs they are most likely to occupy, as well as a look at some of the faces of the foreign-born workforce.

1. Law

In 2018, 0.6 percent of foreign-born workers worked in the legal area, which included lawyers, judges, and law clerks.
Negar “Natalie” Ghayoumi, an Iranian-born lawyer located in Riverside, California, is paying it forward. Ghayoumi specializes on immigration matters, which she claims is common among lawyers who are themselves foreign-born, as seen in the CBSN Originals program “Border Business: Inside Immigration.”

2. First Responders

Protective services police officers, firefighters, animal control personnel, and security guards accounted for about 0.9 percent of foreign-born workers.

Houston police chief Art Acevedo, shown, emigrated to the United States from Cuba in the line of duty. He formerly served with the California Highway Patrol and managed the Austin, Texas, police department.

3. Community and Social Service

About 0.9 percent of the foreign-born workforce had jobs as social workers, counselors and clergy members.
Trendline
According to a 2019 survey commissioned by the U.S. Conference of Catholic Bishops, 25 percent of newly ordained U.S. priests are foreign-born, with the largest percent hailing from Mexico (5 percent) and Nigeria (3 percent).

4. Scientists

An estimated 1.2 percent of foreign-born workers held science occupations such as biologists, physicists, chemists and economists.
Notable foreign-born U.S. scientists include Rainer Weiss, pictured, a Nobel Prize-winning physicist whose German family fled Nazi rule in the 1930s.

According to a Pew Research Center survey released in 2019, 78 percent of U.S. adults say they support the immigration of highly skilled workers, such as those with STEM degrees.

5. Athletes, Entertainers, Artists

In 2018, the arts, design, entertainment, sports, and media industries employed 1.4 percent of foreign-born workers. Actors, singers, designers, professional sports, and news reporters are just a few examples.

According to the NBA, there were 108 foreign-born players on opening-night rosters for the 2018-2019 season.
The numbers included Ben Simmons of the Philadelphia 76ers, who is from Australia, and Giannis Antetokounmpo of the Milwaukee Bucks, who was born and reared in Greece.
Another example of a foreign-born worker in the arts is Grammy-winning diva Shania Twain, who was photographed in concert in Los Angeles in 2018.

In December 2019, the Canadian singer will begin her latest Las Vegas residency at Planet Hollywood Resort & Casino.

6. Farmers, Fishermen and Foresters

In 2018, 1.6 percent of foreign-born workers held farming, fishing, and forestry jobs, a category which includes animal breeders, loggers and hunters.

7. Architects and Engineers

An estimated 2.2 percent of the foreign-born worked in architecture and engineering.
World-building
Mohamad Hafez, seen here in New York City in 2018, is a Syrian-born, Connecticut-based architect. His miniatures tell the story of his war-ravaged homeland.

8. Health-Care Support

Roughly 2.7 percent of foreign-born workers had health-care support occupations, such as nurses’ aides and medical assistants.

9. Mechanics and Technicians

In 2018, 2.9 percent of foreign-born workers got their hands dirty in maintenance and repair occupations: car and plane mechanics, power-line installers and locksmiths.
10. Teachers and Librarians
Special-education teachers, museum curators, and college professors made up about 3.7 percent of the foreign-born workforce.

Shirley M. Tilghman, a professor of molecular biology and public affairs at Princeton University, is depicted. From 2001 to 2013, she served as the university’s president.

11. Accountants and Financial Experts

An estimated 3.7 percent of foreign-born workers held business and financial jobs, as, say, auditors, tax preparers and real-estate appraisers.

12. Personal-care Services
Personal trainers, childcare workers, and hairstylists were among the 4.8 percent of foreign-born workers who worked in personal care and service jobs.
Adir Abergel, an A-list hairstylist, emigrated to the United States from Israel. Kristen Stewart and Jennifer Garner are among his clients.

13. Programmers and Mathematicians
A total of 5.1 percent of foreign-born workers were employed in computer and math professions. Consider web designers, programmers, and statisticians.
More numbers crunching
According to a 2018 study, foreign-born workers made up 40% of Seattle’s 143,000 civilian IT workforce.

14. Health-care Specialists

A reported 5.4 percent of foreign-born workers manned the health-care field as physicians, paramedics, dentists, therapists and pharmacists.
15. Food-service Industry
Cooks, wait staff, bartenders, dishwashers, baristas, and chefs made up about 6.7 percent of the foreign-born workforce.

Star of the kitchen
Lidia Bastianich, a renowned chef, author, and restaurant, came to the United States from Italy. Felidia, her flagship Italian restaurant in New York City, has been open since 1981.
16. Administrative Workers

Roughly 7.2 percent of foreign-born workers held office-support jobs, which include bank tellers, postal workers, receptionists and bookkeepers.

17. Production Workers

A reported 7.4 percent of foreign-born workers labored in production, as butchers, shoe repairers, tailors, woodworkers and bakers.

18. Transportation Workers

An estimated 7.6 percent of foreign-born workers held transportation jobs, as pilots, flight attendants, air-traffic controllers, railroad conductors and taxi drivers.

19. Managers

About 8.5 percent of foreign-born workers held management roles, which include sales managers and elected officials like Illinois U.S. Rep Raja Krishnamoorthi, who was a baby when his family came to the United States from India.
The term “CEO” refers to a person who is in charge of a company. Sergey Brin, pictured above in 2018, is an example of a foreign-born CEO in the United States. Google co-founder Sergey Brin was born in Russia.
In 2018, 2.9 percent of foreign-born workers got their hands dirty in maintenance and repair occupations: car and plane mechanics, power-line installers and locksmiths.

20. Construction Workers


About 9.5 percent of foreign-born workers held construction jobs, which include electricians, roofers and carpenters.

21. Salespeople

A reported 7.7 percent of foreign-born workers held sales-related occupations, including cashiers, travel agents and telemarketers.

22. Maintenance Workers

Maintenance employees, which include cleaners, janitors, and landscapers, accounted for 8.2 percent of the foreign-born workforce.
How to Get Travel Insurance for USA?

Whether you’re taking your family to Florida’s theme parks, Nevada’s canyons, Colorado’s skiing, or New York’s sights, a comprehensive travel insurance policy is an essential aspect of any vacation to the United States.

For fully-vaccinated travelers with a negative Covid-19 test, air travel from the UK and over 30 additional countries are once again permitted. More information regarding how the rules changed on November 8, 2021 may be found here.

However, healthcare in North America is prohibitively expensive. Traveling without insurance could prove to be the costliest mistake you’ve ever made if you – or a family member – require emergency medical care while on vacation.

Bills that run into tens of thousands of dollars are commonplace, while the total cost could exceed £100,000 if your condition necessitates a long hospital stay.

That’s why insurers charge more for worldwide travel insurance policies that include the USA – along with Canada and the Caribbean.
What is Travel Insurance for the USA?

Standard worldwide travel insurance does not cover the United States; to be safe, you’ll need a coverage that expressly covers the United States, Canada, and the Caribbean.
Coverage for visits to the United States, like other types of travel insurance, comes in a variety of ways.
The main options include:

1. Single Trip Insurance that Covers One Trip to the USA

Annual insurance that covers you for multiple trips to destinations around the world, including the USA
Backpackers’ insurance that covers longer, multi-destination holidays that involve spending time in the USA
If you’re travelling with your partner and/or your children, you can also find couples and family travel insurance policies for trips to the USA.

2. Do I Need Travel Insurance to go to the USA?

Go insurance is not required to visit the United States; you can travel without it if you like.
However, if something goes wrong during your trip, you run the danger of incurring a possibly life-changing medical expenditure.
It also leaves you vulnerable if you are robbed, or if you have to cancel your vacation due to illness or accident.

3. What is Covered by Travel Insurance for the USA?
A policy that covers you for travel in the United States should provide the same level of protection as a European or Worldwide (except the United States, Canada, and the Caribbean) policy.

However, given the possibly greater costs of medical treatment or having to cancel your trip, it’s prudent to look for a policy that provides generous coverage in these areas.
The following are the primary types of protection to be aware of:
➢ Cancellation and curtailment insurance protects you if you have to cancel or cut short your vacation due to illness or injury.
➢ Medical treatment, which includes emergency medical care while you’re away as well as repatriation to the UK if necessary.
➢ Disruption and delays coverage, which protects you in the event of situations such as airline cancellations.

➢ Lost, stolen or damaged luggage, which covers the cost of replacing your baggage and belongings (although you may require extra cover for expensive gadgets)
➢ Legal/personal liability cover, which covers you if you face legal costs due to an incident that occurs while you’re in the USA.
➢ It’s also important to check you will be covered for any activities you plan to do, such as hiking, skiing or scuba diving.

What’s not Covered by Travel Insurance for the USA?
Travel insurance policies covering travels to the United States, like practically all other types of travel insurance, will not pay out if the Foreign, Commonwealth and Development Office advises against visiting the country at the time of your trip.

You’re also unlikely to be able to file a claim if the incident occurred as a result of civil upheaval, terrorism, or being inebriated.

And, because most insurance policies do not cover claims related to breaking the law in your destination, it’s a good idea to familiarize yourself with the various places of the United States you want to visit.

Because laws differ greatly from state to state, make sure you understand what you can and cannot do in the ones on your itinerary.
If you’re going on a road vacation, keep in mind that you’ll probably need separate insurance to cover any road accidents or vehicle damage.
What is Travel Insurance for the USA?

Standard worldwide travel insurance does not cover the United States; to be safe, you’ll need a coverage that expressly covers the United States, Canada, and the Caribbean.
Coverage for visits to the United States, like other types of travel insurance, comes in a variety of ways.

The main options include:
➢ Single trip insurance that covers one trip to the USA
➢ Annual insurance that covers you for multiple trips to destinations around the world, including the USA
➢ Backpackers insurance that covers longer, multi-destination holidays that involve spending time in the USA
If you’re travelling with your partner and/or your children, you can also find couples and family travel insurance policies for trips to the USA.
Do I need Travel Insurance to go to the USA?

Go insurance is not required to visit the United States; you can travel without it if you like.
However, if something goes wrong during your trip, you run the danger of incurring a possibly life-changing medical expenditure.

It also leaves you vulnerable if you are robbed, or if you have to cancel your vacation due to illness or accident.

Learn more about travel insurance for risks associated with Covid-19.
Cost for Insurance in the US
The USA is among the most expensive destinations when it comes to travel insurance. But that doesn’t mean you can’t save money by shopping around and comparing different policy types and levels of cover.
As with other types of travel insurance, the cost of your cover for the USA will depend on factors such as:

➢ Your age: the older you get, the more expensive travel insurance becomes
➢ Your medical history: a pre-existing medical condition is likely to bump up the cost of cover – especially for trips to the USA
➢ What activities you plan to do: you’ll need to pay extra for cover for sports such as snowboarding
➢ The duration of your trip: If you choose a single trip policy (trips of up to 31 days are generally covered as standard by annual policies)
Once you’ve got your travel insurance in place, you’ll also need to pay $14 to get an ESTA, a form of electronic visa, which you can apply for online and should usually receive within the next 72 hours.

How Can I Choose the Best Travel Insurance for the USA?
As mentioned above, when choosing travel insurance for the USA, ensuring you have enough medical cover in place is essential.

Other things to check include:
➣ Is the cancellation cover provided sufficient to reimburse you in full if you need to cancel?
➣ How much is the excess you have to pay towards any claim?
➣ Would the lost luggage protection cover the cost of replacing all your belongings?
➣ To avoid paying over the odds, it’s also worth comparing the cost of single trip and annual policies.

If, for example, all of your other journeys in the coming year are within Europe, you might be able to save money by purchasing a single trip policy for your US vacation and an annual European policy for the rest of your travel.

In any case, it’s a good idea to purchase travel insurance as soon as you arrange your trip to the United States.

You’ll be able to make a claim if you have to cancel it due to an accident, for example.
About 9.5 percent of foreign-born workers held construction jobs, which include electricians, roofers and carpenters.

How to Get Travel Insurance for USA
Whether you’re taking your family to Florida’s theme parks, Nevada’s canyons, Colorado’s skiing, or New York’s sights, a comprehensive travel insurance policy is an essential aspect of any vacation to the United States.

For fully-vaccinated travelers with a negative Covid-19 test, air travel from the UK and over 30 additional countries are once again permitted. More information regarding how the rules changed on November 8, 2021 may be found here.

However, healthcare in North America is prohibitively expensive. Traveling without insurance could prove to be the costliest mistake you’ve ever made if you – or a family member – require emergency medical care while on vacation.

Bills that run into tens of thousands of dollars are commonplace, while the total cost could exceed £100,000 if your condition necessitates a long hospital stay.

That’s why insurers charge more for worldwide travel insurance policies that include the USA – along with Canada and the Caribbean.

What is Covered by Travel Insurance for the USA?
A policy that covers you for travel in the United States should provide the same level of protection as a European or Worldwide (except the United States, Canada, and the Caribbean) policy.

However, given the possibly greater costs of medical treatment or having to cancel your trip, it’s prudent to look for a policy that provides generous coverage in these areas.

The following are the primary types of protection to be aware of:
Cancellation and curtailment insurance protects you if you have to cancel or cut short your vacation due to illness or injury.

Medical treatment, which includes emergency medical care while you’re away as well as repatriation to the UK if necessary.

Disruption and delays coverage, which protects you in the event of situations such as airline cancellations.

Lost, stolen or damaged luggage, which covers the cost of replacing your baggage and belongings (although you may require extra cover for expensive gadgets)
Legal/personal liability cover, which covers you if you face legal costs due to an incident that occurs while you’re in the USA.

It’s also important to check you will be covered for any activities you plan to do, such as hiking, skiing or scuba diving.

What’s not Covered by Travel Insurance for the USA?
Travel insurance policies covering travels to the United States, like practically all other types of travel insurance, will not pay out if the Foreign, Commonwealth and Development Office advises against visiting the country at the time of your trip.

You’re also unlikely to be able to file a claim if the incident occurred as a result of civil upheaval, terrorism, or being inebriated.

And, because most insurance policies do not cover claims related to breaking the law in your destination, it’s a good idea to familiarize yourself with the various places of the United States you want to visit.

Because laws differ greatly from state to state, make sure you understand what you can and cannot do in the ones on your itinerary.
If you’re going on a road vacation, keep in mind that you’ll probably need separate insurance to cover any road accidents or vehicle damage.
In any case, it’s a good idea to purchase travel insurance as soon as you arrange your trip to the United States.

You’ll be able to make a claim if you have to cancel it due to an accident, for example.
Finally, do not opt for the cheapest plan available! Because lower plans provide significantly less coverage, you’ll end up paying a lot more out of your pocket if you have an emergency.
Prices for travel insurance are controlled in the United States, so you won’t be able to locate a cheaper plan elsewhere.
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