Travel Medical Insurance Forum

Hello,
Dear AVI,

I would appreciate some guiadance and explanation on how to use the insurance I am interested in.

Thank you,
Andres R.

Dear Andres R.,

Thank you for contacting us at American Visitor Insurance for your Travel health insurance needs!.
Be aware that we have two types of policies on our website: fixed plans and comprehensive plans. We highly recommend the comprehensive plans because they offer more complete coverage. All plans are for sudden illness or accident. They will not cover regular checkups or medications that you may take regularly. Fixed plans have a set amount that they pay for each medical expense. If you are charged more than what they pay, you will have to pay the difference (after your deductible). With a comprehensive plans, they pay more fully after you pay your deductible (which you choose at the time of purchase) and then, sometimes a coinsurance (usually 20% of the first $5000 in expenses).

With either type of plan you can use any doctor or hospital, but using the plan's PPO network (preferred provider organization) can help reduce costs (reduce or eliminate coinsurance) and help your money go further (with negotiated pricing). All you need to show is your ID card and the medical provider can call to check your benefits and arrange payment. However, if they are not willing to make the call (they may say "We do not take that insurance"), then you can still use them, but you will have to pay up front for all medical treatment and submit a claim to get reimbursed from the insurance company for what you overpaid.

If you need additional information, tell us the name of the policy you are interested in and we can assist you further.

Sincerely,
Christina
Customer care
www.americanvisitorinsurance.com
(877) 340 7910