Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

4 Steps to Take After You Buy Visitors Insurance

4 Steps to Take After You Buy Visitors Insurance

As a visitors insurance buyer, we recommend that you carefully research, compare and buy the right visitors insurance suited to your needs by selecting the most appropriate deductibles, policy maximums, limits and premiums. Once you selected your travel insurance plan based on these criteria, you’re set to buy. After you make the purchase, there’s a little bit more research need to make sure you get the right visitors medical insurance.

One of the biggest complaints travelers have about finding travel insurance for the U.S. is that they didn’t understand what the plan actually covered and their claims were denied. While price, deductible, and policy maximum are important, those arent the only things you must pay attention to if you are to take full advantage of your U.S. Travel insurance policy.

4 important steps to take after you buy your visitors insurance plan

1. Read the Description of Coverage & Exclusions

You will receive “Description of Coverage” document with your email confirmation of purchase. This is the document that outlines the legal agreement between you and the insurance company so its extremely important that you read it carefully. Pay specific attention to the exclusions so you know what events will not be paid for –by your insurance plan. For example, if you have a few too many drinks and stumble off a curb and break your ankle, your medical care may not be covered because no losses will be paid while the traveler is under the influence of alcohol or drugs.

2. Call if You Have Questions

Most of the travel medicalinsurance plans come with a free look-up period, also known as “Review Period”, that is some days after your purchase. If you read the plan and have questions during this time, you may call the travel insurance company and get answers. If you discover the plan will not meet your needs, you may modify the plan or cancel it for a refund and get the right plan. Dont wait too long – the typical review period is about a week. After that, youre stuck with the plan you bought.

3. Double Check the Traveler Details

Claims are sometimes denied simply because the traveler details were wrong. While this may seem like a technicality, the travel insurance plans rules are clear and they wont pay benefits if the trip is somehow different than the details you provided, or you forgot to add one person to your policy, or your age was listed incorrectly, for example. Double check those details right after you receive your confirmation and call the travel insurance provider quickly if you need to make changes. Changes after the free look-up period cannot be made, so do this quickly.

4. Print or Carry Copies of Your Travel Insurance Documents

You must print them, or keep them in your email to access, or save them to a portable drive but you must have your visitors insurance documents on your trip. You should also share a copy with at least one person you trust who is not traveling with you in case the worst happens and you die on your trip. You should have the contact information for the travel insurance company handy, along with your policy number and other details in case you need to get in touch on the road.

To learn more about your rights as a travel medical insurance policyholder visit Travel Insurance Policy Holder Rightsor find thebest travel medical insurancefor your next trip. If you have any questions about travel insurance for the U.S. or any other country, please get in touch with our award winning Customer Success Team.


Related Articles

Travel Medical Insurance for People Over 70

What is the Best Coverage for People Over 70? If you are over age 70,…

I Have Travel Insurance, Do I Pay Upfront At The Pharmacy?

Many travelers to the U.S. are surprised when they have to pay upfront for their…

Travel Insurance for USA: Essential for Your Trip

Millions of international tourists travel to the United States of America every year, with the…

What is Primary vs Secondary Travel Medical Insurance Policy?

You may have heard the terms primary policy and secondary policy’ tossed around if youve…

Infographics: Exciting Things To Do in Florida

Heading to Florida or thinking about planning a trip to the Sunshine State? Whatever you…

Infographics: Travel Tips for Travelers with Diabetes

Travelers with diabetes shouldn’t let their condition keep them from traveling. Taking a few extra…

Countries Requiring Their Citizens Buy Travel Insurance: Malaysia

While the government websites of every developed country recommend that their citizens obtain travel insurance…

Infographics: Backpacking Then and Now

When it comes to traveling, there are many different ways to enjoy a vacation and…

Infographics: Things People Forget to Pack When Traveling

Have you ever packed your bags for a trip only to realize once you arrive…

What is Common Carrier Accidental Death Coverage?

Common carrier accidental death coverage is a travel insurance benefit that provides your beneficiary a…

COVID-19 Coverage for Visitors to the US

Although the COVID-19 outbreak has put a pause on worldwide travel, vaccine rollouts and easing…

A Parent’s Checklist for Successful Travel During COVID-19

If you’re traveling with your family and are anxious about travel in light of the…

Is it Safe to Travel Internationally?

2020, the year of grounded flights, docked cruises, closed borders, and stay-at-home orders, was tough…

Travel Insurance for Vaccinated Seniors

As COVID-19 cases decline globally and vaccine distribution continues, senior citizens around the world are…

What is Policy Maximum & Why Is It So Important?

A policy maximum is just what it sounds like, it’s  the maximum amount of money…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.