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Visitor insurance, US travel insurance - FAQ

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Age & Citizenship
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Destination
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Visitors insurance cost details

International travel insurance

Terms of insurance

  1. What is the minimum time period for which I can buy an insurance policy?
  2. What is the maximum time period for which a policy can be purchased ?
  3. What does AM rating signify, how are insurance companies rated?
  4. What is a deductible?
  5. What are the different types of deductibles?
  6. For comprehensive insurance plans, are the deductible considered for each treatment or are they accrued for the whole coverage period?
  7. What is co-insurance?
  8. I wanted to purchase the Patriot America Insurance for my visitor and I was wondering how the deductible and co insurance work for this plan?
  9. If I have selected a deductible of $250 and for instance I visit the doctor and my first expense is $100, will that amount be deducted from my first time deductible?
  10. Who/What is the AD&D Beneficiary ?
  11. What is the Policy Period?
  12. What is the meaning of UC & R ?
  13. What are the different types of evacuation covered by travel health insurance?
  14. Is this insurance company based out of US for the plans that you sell?
  15. Comprehensive list of insurance terms explained
  16. Guide to visitor insurance
  17. What type of travel insurance should I buy?
  18. Does travel insurance cover covid19 illness?

Insurance Renewal, Claims, Cancellation and Corrections

  1. Are these insurance plans refundable if the travelers cancels the policy?
  2. I made a mistake in the application while buying the insurance, what should I do now?
  3. I have bought insurance though you from IMG. My travel dates have changed. I need to postpone my insurance. How should I go about this process?
  4. Is it possible to renew my insurance plan?
  5. When is it advisable to buy a new plan instead of renewing the same plan?
  6. If I incur medical expense and have a claim, then how does it affect when I renew the plan?
  7. How do i renew my insurance plan?
  8. How do i cancel my insurance plan?
  9. How to file an insurance claim?
  10. If there is an incident, can we take our visitor who is above 80 to doctor at any hospital? I guess what is the claim process?
  11. How do I use my travel health insurance in case of an emergency?

Provider Network clarifications

  1. What is a PPO network?
  2. What are Preferred and Non Preferred providers in a PPO plan?
  3. What are the advantages of a PPO network?
  4. Finding the PPO network for your insurance plan
  5. Can I visit any doctor or hospital, or am I limited to a specific list of medical practitioners?
  6. If I feel sick can I see a doctor in the PPO system? Do you have a special network of physicians? or I have to go to the emergency room?
  7. Can I see a doctor for a routine examination or physical?
  8. If the doctor asks for any kind of analysis, would they be covered?
  9. How do I find out which doctors/hospitals are part of a given Preferred provider organization (PPO) network?
  10. How do I get pre-certification before getting healthcare services?
  11. Should I pay the medical facility up front and then get reimbursed or will the insurance company be billed directly?

Maternity or Pregnancy Insurance Coverage

  1. Which are the plans that offer coverage for pregnancy?
  2. What if I become pregnant or acquire a sexually transmitted disease while traveling?
  3. Is there a good comprehensive plan that covers maternity for visitors visiting US if the visitor is not pregnant already?
  4. Is there any waiting period associated with the Global Medical plan from IMG for covering maternity?
  5. Does the Global Medical Platinum plan cover pregnancy and maternity which has resulted from fertility treatment such as IVF treatment?
  6. Is there any waiting period associated with the Reside plan from Seven Corners for covering maternity?
  7. I am having a visitor who is pregnant and is going to visit me here in US. Is there insurance available for pregnancy and maternity for her?
  8. I need insurance for F2 Visa holder which covers pregnancy as well. The person is not yet pregnant. Are there any options?
  9. If there is no coverage for pregnancy for my visitor, what are the other options?
  10. I am pregnant and I am a visitor. I need insurance for my pregnancy. The baby and daddy are Green Card holders. I need insurance for myself. Can you suggest any available options?

Other Insurance Coverage

  1. What should we do in the event of an injury or illness that demands immediate medical attention?
  2. What if I have an accident during hazardous recreational activities?
  3. Will the insurance protect me if I am injured or sick due to any illegal activity?
  4. Does the insurance cover me for cosmetic surgery?
  5. What are the different types of insurance for travelers?

Other Faqs

What does visitor travel insurance cover?

Health care expenses

Covers hospital medical expenses for sickness or accidents during travel.

Doctor visit

Covers Doctor visits in case of sudden injury or sickness.

Pharmacy drugs

Expenses from Doctor prescribed eligible pharmacy drugs.

Pre-existing conditions

Some plans cover acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility if needed.

Repat of remains

Repatriation of remains expenses to home country in case of death.

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Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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Visitor Insurance Resources
Useful visitor medical insurance resources to help you understand the importance of visitor insurance and guide to buy visitors insurance.
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Guide for visitor insurance

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


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