- Visitors Insurance : General Questions about the Purchasing Process
- Pre-Existing Conditions and Other Non-Covered Benefits
- Questions About Insurance Usage, Claims, Refunds/Cancellations, and Support
- Policy Usage (How to use)
- Policy Cancellation, Refund, & Renewability
General Questions about Visitors Insurance Purchasing Process
Q. Why should I buy Visitors Insurance? Is it really important?
Medical care in the U.S. is extremely costly. Traveling abroad without medical insurance can be very expensive due to illnesses, accidents or other health-related problems. Purchasing insurance can help protect you from these expenses.
Q. Why should I buy medical insurance from United States if I can buy it from my home country?
There are several advantages of buying travel insurance from the U.S. including:
- The insurance industry in the United States is regulated by the government and follow strict rules
- More widely accepted throughout the U.S.
- Most plans provide instant coverage, no need to pay fout-of-pocket if covered by your plan
- Better customer support in case you need to contact the insurance company
- No lengthy and frustrating follow-ups
- Many different plans available to suit your needs
- Claims can be processed faster since the American visitor insurance companies can work with American health services and doctors more easily
- Reliable companies with proven service records
- Options to buy and renew plans online
- Many companies are supported by the BBB (Better Business Bureau), who can help you with any disputes that might arise
- Peace of mind--higher customer satisfaction rates compared to non- American visitor Insurance plans
Q. Why should I buy from VisitorsCoverage.com?
Check this out: Why VisitorsCoverage?
Q. There are several plans listed on this website, how do I know which one is best for me?
The best way to choose your plan is to figure out what type of coverage you are hoping to receive from your visitor insurance plan. Below are a few articles that can help inform your decision and find the perfect plan for your needs:
Q. Will I get better rates if I buy directly from the provider or from any other website or agent?
No, you can't get any better rates then you find here at VisitorsCoverage.com. The rates you get here are the same as those offered by other insurance agents, brokers and the providers themselves.
The insurance industry is government-regulated and no one else can offer you a lower or higher premium for the same plan. If you find a lower price for the same plan, let us know we will give you an additional $10 off that price.
Unlike others, VisitorsCoverage.com provides you with unique and authentic information and all the necessary tools to understand, compare and select the best visitors insurance plan for your needs.
Q. I am not in U.S., can I still buy insurance through VisitorsCoverage?
Yes you can buy online no matter where you are located.
Q. When should I purchase visitors insurance; once the visitors arrive in the U.S. or before that?
You should purchase a policy, as soon as the person gets his or her visa and decides to travel.
The coverage should start on the first day of the visitor's journey.
Q. In the event that the visitor is already in the United States and does not have any medical insurance but has fallen sick/injured and needs medical attention -- can I buy the insurance now and use it?
Ethically, no. Since pre-existing medical conditions are not covered by short-term visitors insurance plans, buying the insurance to seek medical treatment for existing medical conditions will not be covered. We advise that you buy the insurance ahead of your trip.
Q. Can I buy Insurance for my parents/relatives?
Yes! You can buy travel and trip insurance for any one you wish including friends and relatives.
Q. I want to purchase insurance for more then one visitor. Should I purchase two separate policies for them or have a combined policy?
The benefits and cost do 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 visitors insurance policies.
Having separate policies gives you more flexibility for renewals and cancellations.
Q. Is there a medical test required before we can buy the insurance?
No, there is no medical test required. You can buy it any time and instantly.
Q. What is an AM Best Rating and what do they tell me?
AM Best Rating is an independent, third-party evaluation organization, providing a benchmark for comparing insurers, regardless of country. (http://www.ambest.com/)
AM Best Ratings are independent opinions, based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance. It is not a warranty of a company's financial strength and ability to meet either its obligations to policyholders or its financial obligations.
The rating you might have seen in the plan brochure or on this website is denoted with a letter like "A", "B", "C" etc and +/- signs. This is Best's Financial Strength Rating (FSR).
A Best's Financial Strength Rating (FSR) is an opinion of an insurer's ability to meet its obligations to policyholders. Rating Modifiers and Affiliation Codes may also be associated with these ratings. The following list outlines our rating scale and associated descriptions.
- A++, A+ (Superior)
- A, A- (Excellent)
- B++, B+ (Very Good)
Secure (can be trusted)
- B, B- (Fair)
- C++, C+ (Marginal)
- C, C- (Weak)
May not be financially good
Note: Any plan with an A ratingn is good. We at VisitorsCoverage only list A ranked plans.
Q. Where is the VisitorsCoverage support and call center located?
It is located in Santa Clara, California in the United States. We are in the Pacific Standard Time Zone.
Q. I have a specific question to ask, can you help me?
Visit Customer Support and Help section to get more information about customer support.
Please call: 1-866-384-9104 for immediate assistance.
Or write to us: firstname.lastname@example.org.
Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.