Top 10 Tips to Shop for Visitors Health Insurance:
How to Pick the Right Health Insurance for Visitors
- Brush up on visitor medical insurance, what it is and how it works for you.
- Decide on the list of features you need to have in your travel insurance plan.
- Do some research on a few different plans and compare them.
- Read the plan brochures carefully and make sure you understand what is covered and what is not. Carefully read what is and is not included in the policy.
- Make sure that you understand how to use the insurance you choose. If you have to submit claims to your insurance policy, understand how to do this before you leave home.
- Do not rely completely on what someone tells you--read the fine print carefully.
- Buy from a licensed insurance website/consultant, that has been authorized to sell insurance in the U.S.
- Do not only choose based on "AM Best Ratings." Although plans rated "A" or higher by "AM Best Rating" are a good sign, it may or may not be the right plan for you.
- Do not completely believe or rely on the "testimonials" posted on other travel insurance websites, because they can be fabricated.
- Buy your policy before you travel. Do not wait until the last moment.
- Just because you bought a visitor health insurance policy doesn't mean that you are completely covered or will not incur any expenses. The insurance company will only cover you as per the written clauses and conditions in the policy and not what you think or presume.
- Pre-existing conditions including heart problems, diabetes, cancer, any other illness that you may have at the time of buying the insurance, and pregnancy are not covered by most insurance plans. Do not expect to be paid for those claims unless you plan specifically states otherwise.
- Insurance companies rely on physicians' and hospitals' reports to determine what pre-existing conditions or medical problems you may have. They make decisions based on that information, not information from the policyholders.
- "Deals" and "Discounts" do not exist in the travel insurance industry. You will get the same quote/price for the same plan, regardless of the insurance provider due to government regulation of the industry.
- Claims are generally handled directly by the policy administrator, not the agent. You can learn more about this from the card you receive after buying the policy.
- Visitor health insurance companies primarily offer claim-based policies. You should not compare them to domestic health insurance. In some cases, you may need to make the payment first and then submit a claim for the covered expenses later.
- When you file your claim, it may take some time for the insurance company to receive records from the hospital and/or physician. There can be some paperwork involved in the process, which also takes some time to review. You should expect some delay during the processing time.
- The insurance industry is regulated in the United States. A seller or provider must have a valid license and knowledge to advise you about insurance products.
Since each visitor has different needs, the travel insurance industry has a vast selection of visitor health insurance policies. Check out our wide range of Visitors Insurance Plans that will help you pick the right visitor health insurance. To learn more about which visitor travel insurance to buy, you can contact us to discuss your questions with one of our licensed travel Insurance Specialists .