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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 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/
  • Q
    “ Hi My father is over 70 and has diabetics so can he get coverage for his stay in USA. “
    A
    Your father can definitely get coverage for any new sicknesses or injuries that occur during his stay in the US. For coverage for any new sicknesses or injuries, we recommend Atlas America: http://www.visitorscoverage.com/atlas-america-insurance/   Unfortunately, there is no coverage available for pre-existing conditions for someone who is 70 years old and with a chronic pre-existing condition like diabetes. He should bring all necessary medications with him to the US to avoid paying out-of-pocket for diabetes-related expenses.   An option we have that offers some relief of diabetes-related costs is called the Careington Total Health Savings Plan that acts as a discount card: http://www.visitorscoverage.com/careington-discount-plans/   Hope this helps. Please let us know if you have any additional questions. 
  • Q
    “ Do I need health insurance to qualify for a U.S. visitors visa? “
    A
    While there are some countries that require visitors to obtain travel medical insurance before entering, you are not required to have health insurance in order to qualify for a U.S. visitors visa at this time. It is, however, highly recommended not only for the sake of your own protection, but having it can also be seen as a plus when going in for your visa interview. Having travel medical insurance will reassure the interviewer that you have coverage for any medical bills that you may incur during your stay in the US. This is especially true for elderly citizens coming to the US, as they have a higher risk for unexpectedly encountering a medical emergency. So, while travel medical insurance is not required for obtaining a visitors visa, having it will offer you peace of mind during your visit, and can potentially increase your chances for visa approval in the end.  Another commonly asked question is whether or not travel insurance is necessary just to enter the U.S., refer to Do You Need Travel Insurance to Enter the United States?