Visitors Insurance: Insurance Usage, Claims, Refund/Cancellations

Read this article for detailed information on the process of usage for your policy.

Unless there's a need for surgery or hospitalization, you don't need to inform the insurance company. Read more about this in your insurance policy brochure.

Depending on certain factors, the insurance company may either make the payment directly to the hospital/doctor/facility or reimburse the payment to the insured for all approved and qualified claims as per the insurance plan.

After receiving treatment, you should file a claim with the insurance company. You'll need to fill out a claim form and submit it to the insurance company. Upon verification and approval of the claim, the insurance company can reimburse the payment. The claims process and contact numbers can also be found on the insurance policy documents.

The time taken to process the claim may vary from case to case since it involves information verification and other manual administrative tasks. It can take anywhere from a few weeks to several weeks. You can follow up with the insurance claims department to check the progress of your claim. The contact number and other claim information can be found on the ID card.

Generally, you can go to any doctor, but for maximum benefit, you should visit providers within the PPO network recommended by the plan.

Yes, if you're buying online, you'll receive a visa letter and a link to print out an "Virtual ID Card". Both will be proof of your insurance, although the visa letter will detail the traveler's name, amount they're covered for, emergency medical evacuation amount, etc. Print out your visa letter, as this is what you'll use at customs and borders, whereas you'll use the ID card at the medical facilities.

The virtual ID card that you printed out, as well as the related visa letter email, can be used as proof of insurance until you receive the actual insurance card.

Not all policies are renewable. Follow this link to renew your visitors insurance policy.

No.

Visitors insurance plans available on this website are cancellable; however, the refund and cancellation procedure and policy are different for each company. While some companies allow you to cancel the policy before its start date, others let you cancel the policy and get the refund on a prorated basis.

If you want to cancel your policy, sign in to the Customer Portal using the policy number and the primary insured's date of birth. Find the plan you want to cancel and click cancel. Fill out the required fields and complete cancellation. Please allow seven to ten business days for processing and refund.