Q1: Who may purchase Visit USA-HealthCare Insurance?

International visitors who come to the U.S. for pleasure, business or study and new immigrants to the U.S. may purchase Visit USA-HealthCareT.

Q2: May I purchase Visit USA-HealthCare if I am already in the U.S.?

Yes. You may enroll in Visit USA-HealthCare regardless of how long you have been in the U.S.

Q3: Can I purchase Visit USA-HealthCare by telephone?

No. You may enroll online with our Secure Online Enrollment Form or mail or fax your completed Printable Enrollment Form to us.

Q4: I need coverage to begin as soon as possible. Can my Visit USA-HealthCare policy go into effect the day I enroll?

No. However, your policy can go into effect as early as one day after you submit your Enrollment online, provided you correctly complete your Online Enrollment and correct payment is received.

Q5: When I purchase with the online enrollment form, how will I know that you have accepted my purchase?

We will confirm your purchase by sending an email to you.

Q6: Which doctor or hospital can I go to?

The PPO provider for Visit-USA plan is Multiplan.  Multiplan is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctor or hospital in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network. 

Q7: When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Depending on the policy length you may also receive an ID card  to your mailing address within 5-10 business days.

Q8: How do I use this insurance?

Please refer to the following article about the policy usage:
Policy Usage: How to use it?

Q9: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q10: What information do I need to purchase this information?

Name(s), date of birth, and passport number of the visitor(s).

Q11: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that’s associated with the renewal.

Q12: If I need care will I have to pay up front for my medical expenses?

You may have to pay for medical care depending on the medical facility being used. If the medical facility requires payment up front, you then submit a claim for reimbursement, less your chosen deductible. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the Insurance Company's Assistance Service.

Q13: What is a deductible? Is the deductible per incident or per policy?

The deductible is the amount that you, the Insured person, pays before the insurance pays for covered expenses. Visit USA-HealthCare's deductibles are per policy period. Once the deductible is met, Visit USA-HealthCare will pay 80% of covered medical expenses up to $5000, then 100% of reasonable and customary charges up to the plan limit. Visit USA-HealthCare offers a choice of deductibles: $250, $500 or $1000. The lower the deductible, the higher the cost of insurance and vice versa.

Q14: What is my out-of-pocket maximum for covered expenses?

The maximum an Insured would have to pay out-of-pocket for covered expenses is the chosen deductible ($250, $500 or $1000) and 20% of covered expenses up to $5000, plus expenses that exceed the plan limit.

Q15: May I renew my policy if I extend my stay in the U.S.?

No. However, you may purchase another policy if you find you need additional coverage. Simply re-enroll in Visit USA-HealthCare prior to the expiration date of the first policy. The "Requested Effective Date" should be one day after the first policy's expiration date.

Q16: If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?

Yes. You may cancel your insurance prior to your effective date and receive a premium refund, less a $20 processing fee. Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Certificate of Insurance to Travel Insurance Services.

Q17: Will I receive a partial refund if I return home before my policy expires?

No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. This is noted in the Enrollment Agreement when you purchase online. Refunds are permitted only before coverage starts.

Q18: After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?

Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Online Order Transaction number.

Q19: Where can I find answers to other questions I have?

Please refer to the FAQ’s section of this website.  You may also want to look at the knowledge section of this website for lots of informative articles.

If you still  have questions, please call our support line toll free:  1.866.384.9104

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information.