Why Choose VisitorsCoverage for Your Travel Insurance?
Shopping for travel insurance can easily get overwhelming. With so many companies and policies out there, how do you know which provider will actually be there when you need them? More importantly, how can you be sure they'll pay your claim without giving you the runaround?
If you've been researching travel insurance options and wondering about the reliability of different providers, you're asking the right questions. Here's what you need to know about choosing a trustworthy insurance company, and why thousands of travelers count on VisitorsCoverage for the best travel insurance for you or your family.
How Can You Tell If an Insurance Company Is Reliable?
There's no crystal ball for predicting how an insurance company will handle your claim, but there are some solid indicators you can check before buying a policy. Think of these as the foundational pillars of insurance reliability:
Financial strength ratings (AM Best Ratings) tell you if a company has the money to pay claims when they come in. Proper licensing confirms they're legally allowed to sell insurance in your state. Company reputation shows how they've treated past customers. And independent business ratings give you an objective view of their track record.
What Are AM Best Ratings and Why Do They Matter?
The health of an insurance company is determined by the underwriters' financial capability to pay out valid claims. Another factor that goes into assessing an insurance company is the length of time that these companies have been in business. In other words, an insurance company's reputation matters.
AM Best's ratings are regarded as the industry standard for determining the financial strength of an insurance company. AM Best is a highly respected credit rating organization dedicated to serving the financial services sectors like banking and insurance industries. The organization assigns a letter grade like A, A+, B, B+, C, etc. that reflects the financial status of the company. Any plan that is graded above B is deemed to be in good financial standing.
VisitorsCoverage only works with insurance carriers that maintain strong AM Best ratings, so you are guaranteed to find a reliable insurance company regardless of which plan you ultimately choose, without having to do the tiresome verification yourself.
Are the Insurance Companies Properly Licensed?
It's imperative to ascertain that the insurance company selling you insurance is properly licensed to do business. All the plans offered on VisitorsCoverage.com are legally licensed in every U.S. state.
What About the Company's Reputation? Will You Find the Best Insurance Providers on VisitorsCoverage?
You’ll only find the best insurance companies here. We've carefully picked only those insurance companies that have a reputable record for great service. All the plans offered at VisitorsCoverage are from world-class insurance brands, such as Nationwide, Lloyds of London, and AIU. All of these insurance firms have been in business for a considerably long time and have created a reputation for themselves as reliable, trustworthy, and dependable companies that honor their promises of paying out valid claims.
BBB Membership or Any Similar Business Reliability Check
Most of the plans offered on VisitorsCoverage.com are delivered by companies with Better Business Bureau (BBB) membership. BBB is an organization that determines if a company is liable and legitimate. Customers can browse through this website to see if a company has any registered consumer complaints against them, another factor that can help determine the reliability of a company.
How Does VisitorsCoverage Support Its Customers?
VisitorsCoverage.com customer service culture ensures the best value on your purchase, with regular feedback from our customers and periodic monitoring of insurance company services toward our policy holders. We also work with the insurance companies to guarantee the highest level of service to our customers in a timely manner.
With VisitorsCoverage on your side, you can be assured that if you have a valid claim, it will be paid out to you. That's why our clients count on our customer service to deliver maximum value for their policy and why they return to us every time they need international travel insurance.
Why Choose a Marketplace Like VisitorsCoverage?
Here's the thing about shopping for travel insurance on your own: you could spend hours researching different companies, checking their financial ratings, verifying licenses, reading reviews, and comparing dozens of policies. Or you could let someone else do that legwork for you.
That's exactly what VisitorsCoverage does. We've already vetted the insurance companies, so you're only looking at plans from reliable, financially stable carriers. No unknown providers with questionable track records. No companies that might disappear when you need them most.
But that’s not the only thing that makes a marketplace, like VisitorsCoverage, the best choice. Once we've narrowed it down to trustworthy carriers, we let you compare all their best plans side by side in one place. No bias toward any particular company. No upselling. No pressure to choose the most expensive option. Just honest comparisons so you can find the plan that fits your specific needs and budget.
And due to government regulations, you are getting the same rate here as if you had bought the plan directly from the insurance provider. We guarantee the lowest price available. You won’t find the plan cheaper anywhere else, saving researching time and your money.
The best part? You get all this with zero commitment. Browse, compare, ask questions, and only buy when you've found exactly what you need. That's the advantage of a marketplace that actually has your best interests in mind.
Frequently Asked Questions About Getting Insurance From VisitorsCoverage
What's the difference between buying through VisitorsCoverage versus directly from an insurance company?
When you buy directly, you're limited to that one company's products. Through VisitorsCoverage, you can compare multiple carriers side by side, get the lowest price guaranteed, and have our team available to help with claims and questions. We act as your advocate throughout the process.
How long does it typically take to process a travel insurance claim?
Simple claims with complete documentation usually process within 2-4 weeks. More complex claims involving international medical providers can take 4-8 weeks. The key is that you provide as much documentation you can and quickly answer any questions the insurance company asks.
Can I trust customer reviews of insurance companies online?
Take them with a grain of salt. People are more likely to leave reviews when angry than when satisfied. Look for patterns rather than individual complaints, and check multiple sources including BBB, Trustpilot, and Google Reviews.
Does VisitorsCoverage charge extra fees for helping with claims?
No. Our customer service and claims support are completely free, regardless of whether or not you will purchase your travel insurance through us. As travelers ourselves, we are committed to giving the most transparent and hands on care to everyone.
Can I buy travel insurance from a company not based in the United States?
Yes, but be cautious. Some international insurers sell policies traveling to or from the U.S.. While some are reputable, others may not be licensed in the U.S., which means you have limited recourse if there's a claim dispute. Always verify the company is licensed in your state and check their reputation thoroughly before purchasing.
Are there travel insurance companies specifically better for visitors to the United States?
Yes. Visitors insurance (for non-U.S. residents traveling to America) is a specialized product. Look for carriers with specific expertise in this area, clear understanding of U.S. healthcare costs, and networks that work with major hospital systems. The carriers featured on VisitorsCoverage have extensive experience with visitors insurance and understand the unique needs of international travelers.
Should I buy travel insurance directly from a carrier or through a marketplace?
Both options have merits. Buying directly from a carrier means fewer intermediaries, but you're limited to that company's products. Using a marketplace like VisitorsCoverage lets you compare multiple carriers side-by-side, often with additional customer support. The key is ensuring whoever you buy from is reputable, licensed, and provides good service. Many customers prefer marketplaces for the convenience of comparison shopping and having an advocate during the claims process.
What happens if I need to file a claim while I'm still traveling?
Most reputable travel insurance companies have emergency assistance services available 24/7.
- Contact the insurance company's emergency line immediately
- Keep all documentation (medical bills, receipts, police reports, etc.)
- Get treatment authorization before non-emergency procedures when possible
- Take photos and notes about what happened
- Submit claim documentation as soon as possible
