How to Use Visitors Travel Insurance at a Pharmacy

If you have health insurance, you may be wondering how you're able to use your travel insurance at the pharmacy. While your regular domestic U.S. health insurance policy enables you to buy medications with just a co-pay, by showing your domestic health insurance card or prescription benefits card to a pharmacist, that isn't the case with a travel insurance policy. Travel insurance companies can't support direct billing to pharmacies, so don't be surprised if you're asked to pay upfront for medication at the pharmacy.

How Do I Get Medication at a Pharmacy? What is The Process?

You can go to any pharmacy of your choice. In the U.S., you must have proper prescription for any medication you want to get. There is no separate co-payment and you must pay in full and then file the claim to receive a reimbursement.

As long as you follow the claims process and have the proper receipts, the cost of your medications will be reimbursed as per the insurance policy terms.

Buying Medicine at a Pharmacy

  • Make an upfront payment.
  • Ask for the receipts.
  • You can claim this money from the insurance company, as per the policy coverage.
  • Since pharmacies do not store information in their systems for short-term insurance such as Visitor Insurance, you need to make an upfront payment at the pharmacy which you can claim from insurance company later.