1. How do I use this insurance?
2. When I visit urgent care do I need to inform the insurance company?
3. When I visit the doctor or hospital do I need to pay up front and get reimbursed or the doctor/hospital will send the bill directly to the insurance company?
4. How does the claim process work?
5. How soon do I get my claim?
6. Which doctors/hospitals can I go to? Where and what is the provider list?
7. How soon does the policy come in effect?
8. What is the proof of buying a policy? Will I get an ID card?
9. I recently bought the insurance and have not received the ID card. What should I do?
10. How can I renew my policy?
11. If I bought the insurance and have not used it can I get the refund?
12. How does the cancellation/refund procedure work and is the premium paid refundable when cancelled?

Q1. How do I use this insurance?

Ans. Read this article on detailed information on usage and process of the policy with example: Plan Usage: How to use your visitor insurance policy

Q2. When I visit urgent care do I need to inform the insurance company?

Ans. No, unless there is a need for any surgery or hospitalization, you don't need to inform the insurance company. Read more details about this in the insurance policy brochure.

Q3. When I visit the doctor or hospital do I need to pay upfront and get reimbursed or the doctor/hospital will send the bill directly to the insurance company?

Ans. Depending on the various factors, including specific insurance company rules, the insurance company can make the payment directly to the hospital/Dr/Facility or may reimburse the payment to the insured for all approved and qualified claims as per the insurance plan.

Q4. How does the claim process work?

Ans. After taking the treatment, you should file a claim with the insurance company. You will need to fill out a claim form and submit it to the insurance company. On verification and approval of the claim, the insurance company can reimburse the payment.

Claim handling, filing process, and contact number can also be found on the insurance policy documents.

Click for more details on the claim process

Q5. How soon do I get my claim?

Ans. The time taken to process the claim may vary from case to case since it involves information verification and other manual administrative tasks. It can take from a few weeks to several weeks. You can follow up with the insurance claim department to check the progress of your claim. The contact number and other claim information can be found on the ID card.

Q6. Which doctors/hospitals can I go to? Where and what is the provider list?

Ans. Generally you can go to any doctor, but for maximum benefit, you should go to the Network recommended by the Plan (Visitor Insurance Provider Directory).

Q7. How soon does the policy come in effect?

Ans. It's instant, the policy can come in effect immediately. Basically the start date you choose will govern the policy.

Q8. What is the proof of buying a policy? Will I get an ID card ?

Ans. YES ! if you are buying online you get a "Virtual ID Card" ready to be used immediately. Take a printout of that. You also receive it in your email as well. A Paper Copy of ID card will be delivered to your mailing address along with all other instructions and documents.

Q9. I recently bought the insurance policy and have not received the ID card. What should I do?

Ans. The printout of the virtual ID card that you took while purchasing the policy as well as the related email are the proof of insurance and can be used as the insurance card.

Q10. How can I renew the policy?

Ans. Not all policies or plans are renewal.

Follow this link to renew your visitor insurance policy

Q11. If I bought the insurance and have not used it can I get the refund?

Ans. No.

Q12. How does the cancellation/refund procedure work and is the premium paid refundable when canceled?

Ans. Visitor insurance plans available on this website are cancellable; however, the refund and cancellation procedure and policy are different for each company. While some companies allow you to cancel the policy before its start date, others let you cancel the policy and get the refund on a prorated basis.

If you want to cancel your policy send an email to support@visitorscoverage.com with complete details including policy number, date of purchase, and the reason for plan cancellation. Upon receipt of this information we will initiate the policy cancellation with the insurance company. Please allow 7-10 business days to process the cancellation.