<h2>Top 10 tips to shop for Visitors and travel health Insurance</strong>. How to pick the right Visitor Health Insurance policy.</h2> <ul class="bullet"> <li> Understand the basics of <?php echo create_article_link(32, "visitor medical insurance");?>, and How visitor insurance works.</li> <li> Understand your needs and narrow down what kind of features you must have in the travel insurance plan you are looking for.</li> <li> Do some basic research narrow down you search to few plans and then compare them. </li> <li> Read the plan brochure carefully and make sure you understand what is covered and what is not. Do read the exclusions of the policy.</li> <li> Do not completely rely on what someone tells you, follow what is written in the policy brochure. </li> <li> Buy from the agent /website who is licensed and authorised to sell insurance in USA.</li> <li> Do not hung up on "AM best ratings. Any plan with A or higher "AM Best rating" are good.</li> <li> Do not completely believe on online "Testimonials" posted on websites, those can be fabricated.</li> <li> Buy your policy before you travel, do not wait till the last moment.</li> </ul> <h2>Some facts </h2> <ul class="bullet"> <li> Just because you bought a insurance doesn't mean that you are completely covered, and you do not have to make any expenses. Insurance company will pay as per the policy written clauses and conditions and not what you think or presume. <br> read: <?php echo create_article_link(178)?> <br> </li> <li> Exclusion like <?php echo create_article_link(77, "Preexisting conditions");?>(example, heart problem, diabetes, cancer,or any other illness a person has a the time of buying the insurance), pregnancy is not covered by most of the insurance plan. so do not expect that you will be paid for those claims.</li> <li> Insurance companies rely on Physician's/hospital's report to determine the preexisting condition or the type of problem and make their decision based on that, and not what you think.</li> <li> There is nothing called Deals or Discount in the Travel Insurance industry . No matter where you buy the insurance from for a given criteria, you will get the same quote/price for the same plan. </li> <li> Claims are generally directly handled by the policy administrator not by the agent. Those details are given the card you receive after buying the policy.</li> <li> Travel insurance are mostly claim based policies, so do not compare them with your domestic health insurance. <br> You may make the payment and then claim for the covered expenses.</li> <li> When you file your claim, it takes some time for insurance company to get records from the hospital, physician, do the paper work etc and hence expect some processing time delay, do not expect that your claim can be done immediately.</li> <li> Insurance industry is regulated in America. A Seller must have a valid license and knowledge to advise you about insurance products.</li></ul>