Q1. Why should I buy Visitor insurance? Is it really important?
Medical care in USA is extremely costly. Traveling abroad
without a medical insurance could be very
expensive in case of any illness, accident
or any other health related problem. Taking
insurance can definitely protect you from high expenses.
Those who are familiar with USA medicare system, can certainly
understand the importance of Medical Insurance in this country.
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Q2. Why should I buy medical insurance from United States if I can buy it from my home country?
There are several advantages of buying a US based insurance plan including:
- The insurance industry in the United States is regulated by the government and follow strict rules, which means you get what is promised.
- Widely accepted throughout the USA.
- Mostly provide instant coverage, no need to pay from your pocket if covered by the plan.
- Better customer support service in case you need to contact the insurance company.
- No lengthy and frustrating follow-ups, unlike any other who do not operate from USA.
- Many choices and different plans available depending on your need.
- Claim could be processed faster since the American insurance company can deal better with American health services/Doctors.
- Reliable companies with proven service record.
- Online buying and renewal option.
- Most of the companies are supported by BBB (Better Business Bureau), who can help you with any dispute.
- Peace of mind. (Higher customer satisfaction rate as compare to non American visitor Insurance plans).
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Q3. Why should I buy from VisitorsCoverage.com?
Check this out: Why Us?
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Q4:
There are several plans listed on this website, how do I know which one is best for me?
First, there are a few questions you need to ask yourself about your needs and expectations from an insurance plan. Then keep in mind that insurance for visitors does not work the same as normal insurance plans we are used to. Click on the following articles that will help you make a better decision on plan purchasing:
1. Buyers Dilemma: Which one to buy?
2. Visitor Insurance Tips
3. Take a quick assessment for recommendations - “Suggest-a-Plan”
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Q5. Will I get better rates if I buy directly from the Provider or from any other website or agent?
No, you can't get any better rates then
you find here at VisitorsCoverage.com.
The rates you get here are the same as those
offered by other insurance agents, brokers or by the provider.
Unlike others, VisitorsCoverage.com provides you
with unique and authentic information, knowledge
and all the necessary tool to understand,
compare and select the best plan suitable for your need.
You can always trust VisitorsCoverage.com
for its customers oriented services.
Insurance industry is govt regulated and no one else can offer you lower premium
for the same plans on this site.
If you find any lower price for the same
plan let us know we will give you an additional 10 $ off that price.
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Q6. I am not in USA, can I still buy it ?
Yes you can buy online no matter where you are located.
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Q7. When should I purchase the insurance, once the visitors arrive in USA or before that?
You should purchase once the person get
the visa and decides on traveling.
Choose the coverage start date same as the journey start date.
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Q8. The visitor is already in the United States and does not have any medical insurance. The person has fallen sick/injured and needs medical attention can I buy the insurance now and use it?
Ethically no. Since pre-existing medical conditions are not covered by any of the short-term visitor insurance plans buying the insurance to seek medical treatment for existing medical conditions will not be covered. It is advisable that you must buy the insurance ahead of your trip.
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Q9. Can I buy Insurance for my parents/relatives?
YES! you can.
You can buy for any one you wish, your friends, or relatives.
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Q10. I want to purchase insurance for more then one visitor. Should I purchase two seperate policies for them or have a combined policy?
The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommeneded to buy seperate policies.
Having seperate policies gives your more flexiblity in renewals and cancellations.
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Q11. Is there any medical test required before we can buy the insurance?
No, there is no medical test required, you can buy it any time and instantly.
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Q12. AM Best Rating? What are they and what they tell ?
AM Best Rating is an independent third-party
evaluation organization, providing benchmark
for comparing insurers, regardless of their
country of domicile. ( http://www.ambest.com/)
AM Best Ratings are independent opinions,
based on a comprehensive quantitative and
qualitative evaluation, of a company's balance
sheet strength, operating performance and business profile.
They are not a warranty of a company's
financial strength and ability to meet either
its obligations to policyholders or its financial obligations.
The rating you might have seen in plan
brochure or on this website denoted as a
alphabetical letter like "A", "B",
"C" etc and +/- signs. These are Best's
Financial Strength Rating (FSR).
A Best's Financial Strength Rating (FSR) is
an opinion of an insurer's ability to meet
its obligations to policyholders. Rating Modifiers
and Affiliation Codes may also be associated
with these ratings. The following list outlines
our rating scale and associated descriptions.
| Secure (can be trusted) |
May not be financially good |
| A++, A+ (Superior) |
B, B- (Fair) |
| A, A- (Excellent) |
C++, C+ (Marginal) |
| B++, B+ (Very Good) |
C, C- (Weak) |
| |
|
Note: Any plan with A ratings are good. We at VisitorsCoverage list only A plans.
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Q13. Where is the VisitorCoverage support and call center located?
It is located in Sunnyvale California in the United States. We are in the Pacific Standard Time Zone.
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Q14. I have a specific question to ask, can you help me?
Visit Customer Support and Help section to get more information about customer support.
Please call : 1-866-384-9104 for immediate assistance.
Or write to us: support@visitorscoverage.com. |
