Visitors Care

Q1: Am I eligible for the Visitors Care plan?

If you are a Non - U.S. citizen travelling outside your home country, you are eligible for this plan. For people over 65, this plan must be purchased within 30 days of arrival in USA. This requirement is waived with proof of previous valid insurance. The minimum coverage period is 5 days and the maximum coverage period is 12 months.

Q3: Can I cancel the Visitors Care plan?

Yes, you can cancel this plan. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if there is a claim on file.

Q5. What is Deductible? How many times do I need to pay the deductible?

Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for the Visitors Care plan is once per policy period, whether you go to the doctor for the same or different medical situations. The maximum policy period for the Visitors Care plan is 12 months. For continuous coverage, without break, for up to 12 months, the deductible would be one time. The Visitors Care Policy however, can be renewed up to a maximum of 24 months. If you renew the plan beyond 12 months, a new deductible would apply.

For example:If you initially purchased the plan for 3 months, and renew it before it expires for another three months, you would not need to deal with the deductible, if you have already satisfied in the first three months of coverage. After 12 months of continuous coverage, if you still need to renew the policy, a new deductible would apply.

Q6: How does the Deductible work in Visitors Care Plan?

The Visitors Care Plan pays a limited fixed amount for every service and treatment. The policy maximum is just the outer limit. The deductible for limited plans is deducted from the fixed benefit amounts, and not the amount that the provider's charge.

For example: For a doctor's visit for a $50,000 policy maximum, the plans pays up to a maximum of $55. If you choose a $50 deductible, then for the first doctor's visit, the Plan would pay (eligible amount $55- $50 deductible)= $5, irrespective of the amount that the providers charge. Since the deductible is one time in the policy period, after this the plan would a fixed dollar amount for every covered service and treatment, based on the schedule of benefits.The maximum policy period for the Visitors Care Plan is 12 months. The deductible would reapply again, if you continue to renew the plan, even after 12 months of continuous coverage.

Q7: Does this plan cover any pre-existing conditions?

No, the Visitors Care does not cover for pre-existing conditions. It offers an optional coverage, for pre-existing conditions related to heart and stroke. You can get this with an additional premium. This optional Heart care coverage covers for Stroke or Myocardial Infarction (Heart Attack) while the insurance is effective.

• up to $5000 in people who are under 70 years
• up to $2500 to people who are 70 years or over

Q8: Which doctor or hospital can I go to?

This plan does not have any PPO network. You can go to any doctor of your choice.

Q10. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q12: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q14: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section.

If you still have questions, please email us at support@visitorscoverage.com or call our support line toll free: 1.866.384.9104. Business Hours: Mon - Fri 8:30am- 5:30pm PST.