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First Time Buyers

  • Visitors & Travel Insurance 101

    Learn about travel medical insurance that provides health, injury, and travel emergency coverage while traveling or during a stay abroad EXPLORE
  • Limited vs Comprehensive Coverage

    Understand the difference between Limited coverage and Comprehensive coverage plans DISCOVER
  • How does Visitor Insurance Work ?

    Learn how you can use your insurance plan in case you have a medical situation, like sickness or injury LEARN
  • How much will insurance pay?

    Estimate and compare how much each visitor insurance policy will pay for covered eligible expenses FIND
  • Help me choose an insurance plan

    Find the most suitable insurance plan for you need, by just answering a few questions BEGIN
  • Top 5 features to look for

    The key features that you should look for while shopping for international travel insurance DISCOVER
  • Policy Maximum
    What is Policy Maximum and Why is it so Important ?
  • Accidental Death & Dismemberment (AD & D)
    What is Accidental Death And Dismemberment (AD&D) Coverage ?
  • Insurance Deductible
    What is a Deductible and How Does It Affect Travel Insurance Cost ?
  • Emergency Medical Evacuation
    What is Emergency Medical Evacuation and Why is it so Important ?
  • Annual Deductible
    What is Annual Deductible or Deductible Per Policy Period ?
  • Deductible per Incident
    What is Deductible Per Incident and How Does It Work ?
  • Limited Coverage Insurance
    What is Limited Coverage Insurance Plans And How Do They Work ?
  • Hazardous or Adventure Sports Coverage
    What is Hazardous Sports Coverage and Who Needs It ?
  • Common Carrier Accidental Death
    What is Common Carrier Accidental Death Coverage ?
  • Return of Mortal Remains
    What is Return of Mortal Remains or Repatriation Coverage ?
  • UCR Charges
    What are Usual, Customary and Reasonable Charges/UCR Charges ?
  • Pre-Existing Medical Conditions
    Travel Insurance: Coverage For Pre-Existing Medical Conditions
  • What are Comprehensive Coverage Plans & Why is it Preferred?
  • Travel Medical Insurance: Deductible Explained

Have an Expert answer your question

  • Q
    “ Is Visitors Coverage insurance recognized and honored by the Cuban government? “
    A
    Yes, we certainly have insurance policies that are great for traveling to Cuba. Any of our international travel medical insurance policies are valid and will offer you coverage in Cuba.  If you send an email to support@visitorscoverage.com with your age and citizenship, we can recommend a suitable policy for your trip to Cuba.  Hope this helps!
  • Q
    “ Hello, I am planning to get a travel insurance for visiting France. Do you pay providers directly in France? Is there an insurance policy that will fulfill Schengen Visa requirements and offer a visa letter confirming this? “
    A
    Atlas International is the best policy for those applying for a Schengen Visa. The policy meets and exceeds all Schengen Visa requirements as long as you choose a deductible of $0 in the application.   You can get quotes and purchase Atlas International here: https://www.visitorscoverage.com/insurance/atlasinternational/   After your deductible, Atlas International pays 100% up to the policy maximum. You can choose your deductible in the plan application. When choosing a deductible of $0, you are minimizing your out-of-pocket expense if you were to ever use the insurance.   Unfortunately, there is no travel medical insurance that offers guaranteed direct billing. The billing practices are up to the provider that you visit. You can read more about billing, here: http://blog.visitorscoverage.com/travel-medical-insurance-direct-billing-or-cash-payment-upfront/   You can learn more about Atlas Internaional in the brochure here: http://www.visitorscoverage.com/brochure/atlas-international-insurance-brochure.pdf   You can also view the Description of Coverage here: http://www.visitorscoverage.com/policydoc/atlas-international-insurance-policy-document.pdf   You will need your passport number and date of birth to purchase the plan.     After purchasing the policy, you will receive a confirmation email. In that email, there will be a link in which you can use to access your insurance documents including your visa letter. The link takes you to a portal called HCCMIS' Client Zone. You can also access the Client Zone here: https://zone.hccmis.com/clientzone/   Hope this helps. Please email us at support@visitorscoverage.com if you have additional questions.  Atlas International is the best policy for those applying for a Schengen Visa. The policy meets and exceeds all Schengen Visa requirements as long as you choose a deductible of $0 in the application.   You can get quotes and purchase Atlas International here: https://www.visitorscoverage.com/insurance/atlasinternational/   After your deductible, Atlas International pays 100% up to the policy maximum. You can choose your deductible in the plan application. When choosing a deductible of $0, you are minimizing your out-of-pocket expense if you were to ever use the insurance. Unfortunately, there is no travel medical insurance that offers guaranteed direct billing. The billing practices are up to the provider that you visit. You can read more about billing, here: http://blog.visitorscoverage.com/travel-medical-insurance-direct-billing-or-cash-payment-upfront/   You can learn more about the plan in the brochure here: http://www.visitorscoverage.com/brochure/atlas-international-insurance-brochure.pdf   You can also view the Description of Coverage here: http://www.visitorscoverage.com/policydoc/atlas-international-insurance-policy-document.pdf   You will need your passport number and date of birth to purchase the plan.     After purchasing the policy, you will receive a confirmation email. In that email, there will be a link in which you can use to access your insurance documents including your visa letter. The link takes you to a portal called HCCMIS' Client Zone. You can also access the Client Zone here: https://zone.hccmis.com/clientzone/  
  • Q
    “ My parents are 71 and 63 years of age and both are on medication and have regular medical checkups and blood tests in India. They are visiting the US - can I continue the same medical checkups and lab tests in US? “
    A
      Thank you for contacting us. We would be happy to answer your questions.    No matter what policy you purchase, none of them would cover for regular testing, check-ups, or medication refills for a condition your parents already have. It is advised that they bring enough medication to last their entire stay in the US to avoid paying out-of-pocket for additional prescriptions.    There are no plans that will cover for a sudden, unexpected reocurrence for people 70 and over with a chronic condition (I am making this assumption because they are still taking medication and getting tested for their condition).   For your parent who is 63, there is one plan available that will cover for an acute onset of pre-existing conditions even if it is chronic. Liaison Continent A is the only plan that offers this coverage. Please see plan details, here.   Hope this helps. Please email us at support@visitorscoverage.com if you have any additional questions.    Thank you for contacting us. We would be happy to answer your questions.    No matter what policy you purchase, none of them would cover for regular testing, check-ups, or medication refills for a condition your parents already have. It is advised that they bring enough medication to last their entire stay in the US to avoid paying out-of-pocket for additional prescriptions.    There are no plans that will even cover for a sudden, unexpected reocurrence for people 70 and over with a chronic condition (I am making this assumption because they are still taking medication and getting tested).   For your parent who is 63, there is one plan available that will cover for an acute onset of pre-existing conditions even if it is chronic. Liaison Continent A is the only plan that offers this coverage.    You can get quotes and purchase Liaison Continent A here: https://www.visitorscoverage.com/visitor-insurance/liaisoncontinent-a/   After your deductible, Liaison Continent A pays 80% of the first $5,000 billed, and then 100% thereafter up to the policy maximum. You can choose your deductible in the plan application. When choosing a deductible of $0, you are minimizing your out-of-pocket expense if you were to ever use the insurance.   You can learn more about the plan in the brochure here: http://www.visitorscoverage.com/brochure/liaison-continent-insurance-brochure.pdf   You can also view the Description of Coverage here: http://www.visitorscoverage.com/policydoc/liaison-continent-insurance-policy-document.pdf   Hope this helps. Please let us know if you have any additional questions.   
  • Q
    “ What coverage can be offered to a cancer patient visiting U.S from U.K? “
    A
    There is one plan that would offer coverage for an acute onset of pre-existing conditions for cancer. It would cover only a flare-up of it. Meaning, not a long term coverage. Acute is meant to cover the initial "emergency," It is not meant to cover long-term care or stay in a hospital. To read more about what an acute onset of pre-existing conditions is, see: http://blog.visitorscoverage.com/acute-onset-of-pre-existing-condition-vs-pre-existing-condition/   We recommend taking a look at Liaison Continent A for the coverage explained above: http://www.visitorscoverage.com/liaison-continent-insurance-PlanA/