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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
    “ Hello, Is dialysis treatment covered by this insurance? Thank you! “
    Hello, Thank you for contacting us.  Dialysis would not be covered by any of the vistors' insurance policies. The maintenance, regular testing, and existing medication refills are not covered for any pre-existing conditions.  Travel medical insurance plans are designed to cover those traveling outside of their home countries for any new, unexpected sicknesses or injuries that may happen while they are abroad. For an explanation of what a pre-existing condition is and why they are not covered, see: http://www.visitorscoverage.com/travel/pre-existing-conditions-travel-insurance/ There are a few plans that do offer coverage for an acute onset of pre-existing conditions. You may read more about this particular type of coverage, here: http://www.visitorscoverage.com/acute-onset-of-pre-existing-conditions/
  • Q
    “ Which plan is available for travelers coming to the USA on travel visa, originally from EU? “
    Any of our "Insurnace Plans for USA Visitors" are availalble for any traveler or visitor to the U.S. regardless of where they are traveling from. You can view, compare, and purchase any of the "Insurnace Plans for USA Visitors" here: http://www.visitorscoverage.com/visitor-health-insurance/plans/ If you would like a recommendation on a policy, feel free to contact us by email at: support@visitorscoverage.com or by phone at: 866-384-9104.
  • Q
    “ Hi, I came to the US two years ago for gradschool. Now I graduated and have an OPT card, and looking for a job. Since I am not a student anymore, I can't enroll to international student health insurance plans. I was wondering if I am eligible for your Patriot Platinum plan. If not, can you please send me the names of plans that I can enroll? Thanks. “
    The only travel medical insurance plans that are available for OPT visa holders for a short period of time as long as you have been in the U.S. for just 2 years of less are: Atlas America, Visit USA, Safe Travels USA Comprehensive, or Safe Travels USA - Cost Saver. You can view, compare, and purchase any of the mentioned policies here: http://www.visitorscoverage.com/visitor-health-insurance/plans/ Usually as an OPT visa holder, since you are living in the U.S. permanently and have been living in the U.S. for some amount of time already, you should be eligible for domestic healthcare plans which are under the Affordable Care Act (ACA). Domestic healthcare plans are offered by healthcare.gov and also by your local Social Security Administration office. If you inquire about domestic healthcare plans and you are informed that you have a waiting period in which you will not be able to enroll yet in a domestic healthcare plan, you can consider a Short Term Medical insurance policy during that waiting period. You can view, compare, and purchase any of the Short Term Medical insurance policies here: http://www.visitorscoverage.com/short-term-health-insurance-plans/ I hope this helps. If you have any questions, feel free to contact us by phone at: 866-384-9104 or by email at: support@visitorscoverage.com.
  • Q
    “ I checked visitor plans for non-US citizen, 24 years old no child no spouse, 3/24/2017 to 4/3/2017, covers international-Europe. Then it comes up 5 plans suitable for me. My question is, do these 5 plans fulfill all the requirements of apply a Schengen visa? “
    The Schengen Visa requirements are: a deductible of $0, a policy maximum of at least $32,955 USD, with coverage for emergency medical evacuation and repatriation of remains which will cover you in all schengen countries. 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.   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/   You can also view, compare, and purchase any of the plans available to those applying for a schengen visa here: http://www.visitorscoverage.com/schengen-visa-insurance/plans/   I hope this helps. If you have any questions, feel free to contact us.