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First Time Buyers

  • Visitors & Travel Insurance 101

    Learn about travel medical insurance that provides health, injury, and travel emergency coverage while traveling or during a stay abroad EXPLORE
  • Limited vs Comprehensive Coverage

    Understand the difference between Limited coverage and Comprehensive coverage plans DISCOVER
  • How does Visitor Insurance Work ?

    Learn how you can use your insurance plan in case you have a medical situation, like sickness or injury LEARN
  • How much will insurance pay?

    Estimate and compare how much each visitor insurance policy will pay for covered eligible expenses FIND
  • Help me choose an insurance plan

    Find the most suitable insurance plan for you need, by just answering a few questions BEGIN
  • Top 5 features to look for

    The key features that you should look for while shopping for international travel insurance DISCOVER
  • Policy Maximum
    What is Policy Maximum and Why is it so Important ?
  • Accidental Death & Dismemberment (AD & D)
    What is Accidental Death And Dismemberment (AD&D) Coverage ?
  • Insurance Deductible
    What is a Deductible and How Does It Affect Travel Insurance Cost ?
  • Emergency Medical Evacuation
    What is Emergency Medical Evacuation and Why is it so Important ?
  • Annual Deductible
    What is Annual Deductible or Deductible Per Policy Period ?
  • Deductible per Incident
    What is Deductible Per Incident and How Does It Work ?
  • Limited Coverage Insurance
    What is Limited Coverage Insurance Plans And How Do They Work ?
  • Hazardous or Adventure Sports Coverage
    What is Hazardous Sports Coverage and Who Needs It ?
  • Common Carrier Accidental Death
    What is Common Carrier Accidental Death Coverage ?
  • Return of Mortal Remains
    What is Return of Mortal Remains or Repatriation Coverage ?
  • UCR Charges
    What are Usual, Customary and Reasonable Charges/UCR Charges ?
  • Pre-Existing Medical Conditions
    Travel Insurance: Coverage For Pre-Existing Medical Conditions
  • What are Comprehensive Coverage Plans & Why is it Preferred?
  • Travel Medical Insurance: Deductible Explained

Have an Expert answer your question

  • Q
    “ What is a Certificate Period? ChoiceAmerica plan says upto 10 times Outpatient physician visit. Is that for the entire period I select? For example 3 months, will it be 10 times for entire 3 months pe… “
    A
    You are right Suneel. “Per certificate period,” or “per policy period,” means the total time period. For the ChoiceAmerica Plan, like all other limited coverage plans, if you have a policy for three months, the insurance would cover for 10 outpatient visits over the period of those three months. If you want, you can buy the policies for a short period of time, and then renew the plan. Renewal is considered as a continuation of the same policy, so the same 10 visit maxi…
  • Q
    “ Im a US tourist and has a tourist friend that wants to give birth here. Is it covered in one of your plans? “
    A
    The plans that we offer are short term travel plans. These only provide coverage for new and unexpected illness or injury that may occur after the policy goes into effect. These do not provide coverage for pre-existing conditions, preventive care, prenatal care, dental or vision. Additionally, pregnancy- and childbirth-related expenses are generally not covered under any kind of travel medical or visitors insurance plans due to their short-term nature. This is because the insurance industry is r…
  • Q
    “ My husband is 83yrs and I would like to purchase Visitors Insurance. He has a pre- excisting condition and is a green card holder. What coverage could I get for him. “
    A
    The plans that we offer are short term travel plans. These only provide coverage for unexpected illness or injury that may occur after the policy goes into effect. Like all other short term travel plans, these generally do not provide coverage for pre-existing conditions. However, some plans offer acute onset of pre-existing conditions coverage which could be helpful in the event of a related emergency. You can consider the Bridge Plan for your husband’s stay in the USA. This is one of the…
  • Q
    “ I need an insurance for my father he will be traveling from Poland to U.S. He'll be staying here in U.S. for over 3 months he's 80 years old and he has some pre exisiting conditions. What would be th… “
    A
    Hello Joanna, The plans that we offer are short term travel plans. These provide coverage for any unexpected illnesses or injuries that may occur after the policy goes into effect. These do not generally provide coverage for preventive care, pre-existing conditions, dental or vision. For your father’s stay in the USA, you can consider the Safe Travels USA Comprehensive Plan. This would provide some coverage for acute onset of a pre-existing condition, up to $25,000. For pre-existing co…