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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
    “ My mother is currently in the hospital and I need to have 6 months medical coverage for her in Florida. Starting from September 17, 2016 - March 17, 2017. Are you are to insure her at the age of 76. Also she is visiting from Jamaica. “
    Unfortunately, there is no coverage available for things that have already happened. Things that have already happened are considered pre-existing conditions. pre-existing conditions are not covered under any type of travel medical insurance due to the short-term nature of the plans.   The only thing that is covered in relation to a pre-existing condition is something diagnosed as an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected recurrence of a pre-existing condition and is up to the doctor's diagnosis.   Customarily, travel medical insurance covers anything new that happens, emergency and non-emergency both; like a new illness, sickness, or injury that happens after the policy starts. There are many policies that also cover an acute onset of a pre-existing condition.   For your mother in her 70's, the best policy that also covers an acute onset of a pre-existing condition is Safe Travels USA Comprehensive.   You can get quotes and purchase Safe Travels USA Comprehensive here.   After your deductible, Safe Travels USA 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.   You can also view the Description of Coverage.   You will need her passport number and date of birth to purchase the plan.   You can also view, compare, and purchase any of our plans here.  
  • Q
    “ My wife and I (both 65 yrs) are green card holders and visit USA every six months to be with the family. Please inform me about the plans that cover travel to USA and back to India and health cover in USA. “
    If your parents are on green card holders but live the majority of the time outside of the U.S. and are just visiting the U.S. with their green cards, the best policy for them is Patriot America Plus. Patriot America Plus is a comprehsive coverage plan which is suitable for both visitors and green card holders. If your parents are living the majority of the time in the U.S. with their green cards, the best plan for them is Green Cover. Green Cover is formatted to bridge the gap between becoming a green card holder and becoming eligible for Medicare. Green card holders above the age of 65 living permanently in the U.S. have to wait 5 years in order to apply for citizenship, at that time they are also eligible for Medicare. Medicare is the domestic healthcare plan for those 65 years and above in the U.S. During that 5 year waiting period, one plan available to them is Green Cover. If you have any questions about these options, you can feel free to contact us by email at: support@visitorscoverage.com or by phone at: 866-3849104.
  • Q
    “ I am interested in buying visitors health insurance for my mother who is not a US citizen/resident for coverage while she is visiting Texas, US. She will arrive Sept 27 and leave Dec 4. She has a 30-day travel health insurance policy (non-renewable) with another insurer through her husband. Would she be eligible for any of your visitors plans for the remainder of her trip (that is, the other 50 days? Thank you, AS “
    Depending on your mother's age, there are many different travel medical insurance options for her even after she has been in the U.S. for 30 days. You can always get a quote here. In the "Coverage Area" section, you can select "Already in USA" and then select the duration of time that she's been in the U.S. If you need help selecting a policy or differentiating between the different options, you can always feel free to call us at: 866-384-9104 or email us at: support@visitorscoverage.com and one of our agents would be happy to help you.
  • Q
    “ I have not been feeling well and will visit a doctor. If I purchase a policy before I visit will i be covered? “
    The purpose of travel medical insurance is to cover any new and unexpected illness, sickness, or injury that occurs after the policy start date. Unfortunately, if you purchase a policy after something has happend, what has already happened will be considered a pre-existing condition and will not be covered.