Visitors Insurance

General Questions about Visitors Insurance Purchasing Process

Q. Why should I buy Visitors Insurance? Is it really important?

Medical care in USA is extremely costly. Traveling abroad without a medical insurance could be very expensive in case of any illness, accident or any other health related problem. Taking insurance can definitely protect you from high expenses.
Those who are familiar with USA medical system, can certainly understand the importance of Medical Insurance in this country.

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 a Travel insurance from USA including:

  • The insurance industry in the United States is regulated by the government and follow strict rules, which means you get what is promised.
  • Widely accepted throughout the USA.
  • Mostly provide instant coverage, no need to pay from your pocket if covered by the plan.
  • Better customer support service in case you need to contact the insurance company.
  • No lengthy and frustrating follow-ups, unlike any other who do not operate from USA.
  • Many choices and different plans available depending on your need.
  • Claim could be processed faster since the American visitor insurance company can deal better with American health services/Doctors.
  • Reliable companies with proven service record.
  • Online buying and renewal option.
  • Most of the companies are supported by BBB (Better Business Bureau), who can help you with any dispute.
  • Peace of mind. (Higher customer satisfaction rate as compare to non American visitor Insurance plans).

Q. Why should I buy from

Check this out: Why VisitorsCoverage?

Q. There are several plans listed on this website, how do I know which one is best for me?

First, there are a few questions you need to ask yourself about your needs and expectations from an insurance plan. Then keep in mind that insurance for visitors does not work the same as normal insurance plans we are used to. Click on the following articles that will help you make a better decision on plan purchasing:
1. Which visitor insurance plan to buy?
2. Visitor Insurance Tips
3. Take a quick assessment for recommendations - Help-me-choose-a-Plan

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
The rates you get here are the same as those offered by other insurance agents, brokers or by the provider.
Unlike others, provides you with unique and authentic information, knowledge and all the necessary tool to understand, compare and select the Best Visitors Insurance plan suitable for your need.
You can always trust for its customers oriented services.
Insurance industry is govt regulated and no one else can offer you lower premium for the same plans on this site. If you find any lower price for the same plan let us know we will give you an additional 10 $ off that price.

Q. I am not in USA, can I still buy it ?

Yes you can buy online no matter where you are located.

Q. When should I purchase the Visitors insurance, once the visitors arrive in USA or before that?

You should purchase a policy, once the person gets the visa and decides on traveling.
Choose the coverage start date same as the journey start date.

Q. The visitor is already in the United States and does not have any medical insurance. The person 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 any of the short-term visitors insurance plans buying the insurance to seek medical treatment for existing medical conditions will not be covered. It is advisable that you must buy the insurance ahead of your trip.

Q. Can I buy Insurance for my parents/relatives?

YES! you can. You can buy for any one you wish, your friends, or 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 your more flexibility in renewals and cancellations.

Q. Is there any 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. AM Best Rating? What are they and what they tell ?

AM Best Rating is an independent third-party evaluation organization, providing benchmark for comparing insurers, regardless of their country of domicile. (
AM Best Ratings are independent opinions, based on a comprehensive quantitative and qualitative evaluation, of a company's balance sheet strength, operating performance and business profile.

Q. Is there any medical test required before we can buy the insurance?

They are 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 plan brochure or on this website denoted as a alphabetical letter like "A", "B", "C" etc and +/- signs. These are 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.

Secure (can be trusted)

  • A++, A+ (Superior)
  • A, A- (Excellent)
  • B++, B+ (Very Good)

May not be financially good

  • B, B- (Fair)
  • C++, C+ (Marginal)
  • C, C- (Weak)

Note: Any plan with A ratings are good. We at VisitorsCoverage list only A 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:

Did You Know?

US insurance is accepted widely in most hospitals.

Most comprehensive plans have PPO providers network.

US based polices are regulated by US Department of Insurance

Did You Know?

Since US based travel insurance are widely accepted in most hospitals, it becomes eaiser to deal with claims.

Price Guarantee

The cost of insurance is regulated by Department of Insurance. You can not find the same plan at a different price on other sites.

Understanding Visitors Insurance

visitors insurance video

Government Advice

"Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000. U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage outside the United States."

- US Department of State

Government Advice

"Always arrange travel insurance with health cover that is adequate for your destination. Do this before you go."

- Foreign & Commonwealth Office, UK

Government Advice

"If you can't afford Travel Insurance, you can't afford to Travel."

- Department of Foreign Affairs & Trade, Australia

Government Advice

"If you plan to go abroad—even on a day trip to the United States — you should purchase the best supplementary travel insurance you can afford?health, life, disability, driving, vehicle, and trip cancellation?before you leave Canada. A single accident could result in years of debt for anyone who is not prepared."

- Department of Foreign Affairs & Int'l Trade, Canada

Get Visitors Insurance Quotes

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.
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