I made mistakes on the travel insurance application. How do I make…

You can always make corrections to your policy before the policy start date, while only certain other changes can be made after the policy begins. For corrections in policies, we ask that the insured sign…

How does the deductible work?

The deductible is the amount that you are responsible to pay before the insurance benefits start paying for the treatments or services. If you choose a zero ($0) deductible, that means you are not required…

Is there a monthly payment plan for Travel Insurance?

You can choose to either pay the amount up front in full, or purchase the plan for 1 month initially, and then continue to renew it for a maximum period of 12 months. The downside…

Can I add a new member to my policy after purchase?

If you have already purchased a travel insurance policy, you cannot add a new member to the plan. However, you can certainly purchase a new policy for the additional member. For help or recommendations, feel…

Can I renew an insurance policy after it has expired?

Generally once a policy has expired, you cannot renew it and will need to purchase a new plan. We recommend renewing a policy at least two days before it expires to ensure you are fully…

Can I change my policy details after purchase?

You can change certain policy details, such as traveler information, policy maximum and deductible amount, after purchase if the policy has not yet gone into effect. The easiest way to do this is to sign…

How do I make changes to an existing insurance policy details like…

After the policy start date, the policy maximum and deductible cannot be changed. So, in order to make changes to the policy maximum or deductible after the policy goes into effect, you would have to…

Is prenatal care covered by travel insurance?

Travel insurance policies are designed primarily to provide coverage for any new and unexpected illnesses or injuries that may occur after the policy goes into effect. The insurance industry is regulated by the Department of…

Who is eligible for Obamacare and Medicare?

Eligibility for Obamacare and Medicare depend on several factors, including state of residence, age, total household income, etc. Your best course of action is to contact the department of Health at Health.gov or your state's…

Are visitors medical insurance plans ACA (Obamacare) compliant?

Plans that are Affordable Care Act (ACA) compliant are those offered by the domestic healthcare plan marketplace website here, the policies offered by your local Social Security Administration office, or policies offered by your employer.…

Does Patriot America insurance treat diabetes and high blood pressure as pre-existing…

Diabetes and high blood pressure would be considered pre-existing conditions. Unfortunately, travel medical insurance does not provide coverage for routine check-ups and preventative care to manage pre-existing conditions. The following article will help: Travel Insurance:…

Am I eligible for visitors insurance during an adjustment of status to…

You can visit any pharmacy for prescriptions, but pharmacies are not covered under direct billing from the insurance policy, so you will have to pay up front and file a claim for reimbursement. Be sure…

Are visitors insurance plans renewable?

Most plans are renewable up to the day before the policy expires. Typically, there is a $5 renewal fee. For a more detailed explanation on policy renewal, visit: Visitors Insurance Policy Extension/Renewal

Are prescription drugs covered by travel insurance at pharmacy? Do pharmacies use…

You can visit any pharmacy for prescriptions, but pharmacies are not covered under direct billing from the insurance policy, so you will have to pay up front and file a claim for reimbursement. Be sure…

Are OPT visa holders eligible for visitors insurance?

As a student on an OPT visa, you may consider our Short Term Plans. These plans are available for up to three months but you can continue to repurchase the policies again after 3 months.…

Disclaimer

Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our terms and conditions and user agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.