How do I use visitors insurance?

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

When I visit urgent care, do I need to inform the insurance company?

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.

When I visit the doctor or hospital, will I need to pay up front and get reimbursed or will the doctor/hospital send the bill directly to the insurance company?

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.

How does the claim process work?

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.

How soon can I get reimbursed for my claim?

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.

Which doctors/hospitals can I go to?

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

What is my proof of insurance? Will I get an ID card ?

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.

I recently bought an insurance policy and haven't received the ID card. What should I do?

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.

How can I renew my policy?

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

How does the cancellation/refund process work and is the premium refundable when canceled?

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.

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Insurance Plans
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Visitors Insurance
Covers medical expenses for short-term visitors to the U.S.
International Travel Insurance
Covers medical expenses during your international trip
Trip Insurance
Covers expenses related to flight cancellations, trip interruptions & baggage delays
Immigrant/Green card Insurance
Short-term medical coverage for New U.S. Immigrants & Green Card Holders
Schengen Visa Insurance Plans
Schengen visa compliant travel insurance plans - Quote and Buy
Pre-Existing Conditions Insurance
Coverage for travelers with medical conditions existing prior to policy effective dates
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Acute Onset vs. Pre-Existing Conditions
Comprehensive vs. Limited Plans
How to Use Visitors Insurance
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Got questions? Ask Luna!
Our Virtual Travel Insurance Assistant Luna is ready to assist you 24/7 and will have answers to many of your questions.
Knowledge Center
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Learn About Claims
Everything you need to know about travel insurance claims
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Insurance Plans
Visitors Insurance
Covers medical expenses for short-term visitors to the U.S.
International Travel Insurance
Covers medical expenses during your international trip
Trip Insurance
Covers expenses related to flight cancellations, trip interruptions & baggage delays
Immigrant/Green card Insurance
Short-term medical coverage for New U.S. Immigrants & Green Card Holders
Schengen Visa Insurance Plans
Schengen visa compliant travel insurance plans - Quote and Buy
Pre-Existing Conditions Insurance
Coverage for travelers with medical conditions existing prior to policy effective dates
Browse all products
Learn
Top Questions

Acute Onset vs. Pre-Existing Conditions
Comprehensive vs. Limited Plans
How to Use Visitors Insurance
Cancel for Any Reason Benefits
For more answers, Ask an Expert
Got questions? Ask Luna!
Our Virtual Travel Insurance Assistant Luna is ready to assist you 24/7 and will have answers to many of your questions.
Blog
Travel trends and safety tips
Knowledge Center
Helpful resources for understanding travel insurance better
Learn About Claims
Everything you need to know about travel insurance claims
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Claims Info
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Talk to a Licensed Insurance Specialist: All our agents are fully licensed and located in the United States, giving you advice you can trust with confidence. 7:00AM - 5:00PM PT (Mon-Fri)
+1 (866) 384-9104
Current Time in PT 06:56 PM Closed
Other ways to reach us:
Chat Email Schedule Call WhatsApp

Visitors Insurance: Insurance Usage, Claims, Refund/Cancellations

Visitors Insurance: Insurance Usage, Claims, Refund/Cancellations

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Visitors Insurance: Insurance Usage, Claims, Refund/Cancellations

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