Q. How do I use visitors insurance?
Read this article for detailed information on the process of usage for your policy.
Q. When I visit urgent care, do I need to inform the insurance company?
Not unless there is a need for surgery or hospitalization, you don't need to inform the insurance company. Read more details about this in your insurance policy brochure.
Q. 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 the various factors, including specific insurance company rules, the insurance company can make the payment directly to the hospital/doctor/facility or may reimburse the payment to the insured for all approved and qualified claims as per the insurance plan.
Q. How does the claim process work?
After receiving treatment, you should file a claim with the insurance company. You will 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. Claim handling, filing process, and contact numbers can also be found on the insurance policy documents. See this article for more details on the claim process.
Q. 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 claim department to check the progress of your claim. The contact number and other claim information can be found on the ID card.
Q. Which doctors/hospitals can I go to? Where and what is the provider list?
Generally you can go to any doctor, but for maximum benefit, you should visit providers within the PPO network recommended by the plan (Visitor Insurance Provider Directory).
Q. How soon does the policy go in effect?
Most policies can go into effect immediately. The start date you select determines when the policy begins and ends.
Q. What is my proof of insurance? Will I get an ID card ?
Yes, if you're buying online you'll receive a "Virtual ID Card" ready to be used immediately. We recommend printing the ID card for your records. You also receive an ID card via email. A paper copy of the ID card will be delivered to your mailing address along with all other instructions and documents.
Q. 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 email, are the proof of insurance and can be used as the insurance card.
Q. How can I renew my policy?
Not all policies are renewable. Follow this link to renew your visitor insurance policy.
Q. If I bought the insurance and did not have to use it, can I get a refund?
Q. How does the cancellation/refund process work and is the premium refundable when canceled?
Visitor 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 7-10 business days for processing and refund.