Visitor Insurance FAQ with Questions & Answers

Frequently Asked Questions with common answers about Visitors Insurance for visitors to USA, Travel Medical Insurance for travelers outside the the United States and home country, International Student Health Insurance for foreign students studying in USA, Europe Travel Insurance for Schengen Travel Insurance, Missionary Health Insurance for mission trips to other nations abroad, and more.

Visit the following Insurance FAQ pages for specific Frequently Asked Questions on travel health industry terms, terminology, keywords, and lingo.

• Visitors Medical Insurance FAQs
• International Student Insurance FAQs

Visitor Insurance FAQ with Frequently Asked Questions compiled with questions from our customer base about visitor medical insurance for visitors to USA (United States of America), travel medical insurance for foreign travelers to Canada, or for citizens of any nation traveling outside his or her home country. Review the Visitor Insurance FAQ to get more insight on the visitors insurance plans for tourists, relatives, or parents visiting USA. Reading the Visitor Insurance FAQ helps with a though understanding on the workings of claims, PPO networks, policy exclusions, and more.

• Visitors Medical Insurance FAQs

Intl. Student Insurance FAQ including Frequently Asked Questions collected with the client questions and answers for international students studying in the United States with a F-1 Student Visa (or in any other country outside home country) or under OPT (Optional Practical Training) in USA, or also for U. S. Students studying abroad in a foreign country.

• International Student Insurance FAQs

Visitor Insurance Services of America LLC and/or its associates have tried to answer these Frequently Asked Questions (FAQs) to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the Frequently Asked Questions (FAQs) can change periodically as insurance companies change their plans/policies. Visitor Insurance Services as a company 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.

Visitor insurance, also known as travel medical insurance or travel health insurance, is designed to provide coverage for medical expenses and other unexpected incidents while visiting the United States of America (USA) or traveling outside home country.

Here are some common visitor insurance FAQ to help you understand it better:

1. What is visitor insurance?

Visitor insurance is a type of travel insurance that covers medical expenses and other related costs for visitors traveling outside their home country. It typically includes coverage for emergency medical care, hospital stays, and sometimes additional benefits like trip interruption or baggage loss.

2. Why do I need visitor insurance?

Visitor insurance provides financial protection against unexpected medical emergencies and other issues that may arise while traveling. Without it, you may face high out-of-pocket medical expenses, which can be particularly expensive in foreign countries.

3. What does visitor insurance typically cover?

Coverage often includes:

• Emergency medical expenses
• Hospital stays and surgeries
• Doctor visits
• Prescription medications
• Emergency evacuation and repatriation
• Trip interruption or cancellation
• Lost or delayed baggage (in some plans)
• Accidental death or dismemberment

4. What is not covered by visitor insurance?

Common exclusions may include:

• Pre-existing conditions (some plans offer limited coverage for these)
• Routine or preventive care
• High-risk activities (e.g., skydiving, bungee jumping)
• Non-emergency medical treatments
• Costs related to pregnancy or childbirth

5. How do I choose the right visitor insurance plan?

Consider the following factors:

• Destination: Medical costs vary by country, so choose a plan with adequate coverage for your destination.
• Duration: Ensure the plan covers the entire duration of your trip.
• Coverage Limits: Look for a plan with sufficient coverage limits for medical expenses, evacuation, and other benefits.
• Pre-existing Conditions: If you have a pre-existing condition, find a plan that offers coverage or waiver for it.

6. How do I purchase visitor insurance?

Visitor insurance can be purchased online from various insurance providers or through travel agents. Compare different plans to find one that best suits your needs and budget.

7. How do I file a claim?

To file a claim:

• Contact the insurance provider’s claims department as soon as possible.
• Collect and keep all necessary documentation, such as medical bills, receipts, and reports.
• Complete and submit the claim form provided by the insurance company.
• Follow up with the insurance provider to track the status of your claim.

8. What should I do if I need medical care while traveling?

• Contact your insurance provider: Call the insurance company’s emergency assistance number for guidance on how to proceed.
• Keep records: Save all bills, receipts, and medical records related to your treatment.
• Follow the procedure: Ensure you follow the insurance company’s procedures for seeking care and filing a claim.

9. Can I extend my visitor insurance coverage if my trip is extended?

In many cases, you can extend your coverage by contacting your insurance provider before the current policy expires. Make sure to do this well in advance to avoid any gaps in coverage.

10. Are there any age restrictions for visitor insurance?

Some insurance providers have age limits or may offer limited coverage for travelers over a certain age. Be sure to check the terms of the policy to understand any age-related restrictions.

11. Is visitor insurance mandatory for entry into certain countries?

Some countries require visitors to have travel insurance as a condition of entry, particularly for medical coverage. Verify the entry requirements for your destination before traveling.

12. Can I cancel my visitor insurance policy?

Cancellation policies vary by provider. Review the terms and conditions of your policy to understand the process and any potential penalties for cancellation.

Visitor insurance provides peace of mind by protecting you against unforeseen medical expenses and other issues during your travels. Always review the policy details thoroughly to ensure it meets your needs and covers your specific requirements.

• Visitors Insurance – For visitors to USA or international travelers, ideal option for relatives or parents visiting USA.
• Global Health Insurance – For expatriates, worldwide residents or workers.
• International Student Insurance – For foreign students studying in America or outside home country.
• Group Travel Insurance – For groups of five or more visiting USA or traveling across borders.
• Multi Trip Insurance – Annual travel medical insurance plan for business travelers or globetrotters.
• Immigrant Insurance – For immigrant visa holders or new immigrants on green cards.
• J1 Visa Insurance – For exchange visitors as cultural program participants, au pairs, or research scholars, etc.
• Schengen Visa Insurance – For travel to Europe as tourist on vacation with Schengen visa.
• Trip Cancellation Insurance – For protection of trip costs for international travelers, vacationers, or cruise travel.

Need info on other international travel medical and health insurance plans, please contact us.

• 7 day/week professional customer service
• Free online immigrant, travel medical and visitors insurance quotes
• Best price assured! Lowest price guaranteed for all policies
• Compare plans and rates from different insurance providers
• Plans for all nationalities, dependents, and visiting parents or relatives
• Absolute privacy of insurance subscriber information
• View and download immigrant and visitors insurance plan brochure
• No medical exam required to purchase visitor insurance policy
• Underwritten by top US insurance companies