Claim Process For Visitors’ Insurance

Visitor insurance plans listed on this website provide insurance coverage for people traveling to the USA. You can quote, compare and buy these insurance policies online, no paperwork.
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Claim Process For Visitors' Insurance

Q Why should I buy Visitor insurance? Do I really need it?

A Medical care in the USA is extremely costly and as a result, traveling abroad without travel medical insurance could be very expensive should any illnesses, accidents or any other health related problems arise. Purchasing visitors insurance is the best way to protect yourself from financial burden as well as provide you with overall peace of mind throughout your travels.

Q I am not in the USA, can I still buy visitors insurance before embarking on my travels?

Yes, you can buy a visitors insurance policy online, no matter where you are located.

Q How soon can I have the policy in effect?

A A policy can start as early as the next day after purchasing, or any future date you may want. The policy will only cover for conditions that occur after the policy effective date.

Q What information is required for the person/persons the policy is being purchased for?

A You need the following information about the person/persons:

The following information is required upon purchase: 1. Name 2. Date of Birth 3. Coverage Dates 4. Home Country 5. Destination Country 6. Passport Number (optional)

More: Purchase Your Visitors Insurance

Q Is there any medical testing required before we can purchase visitors insurance?

A No, there is no medical testing required to purchase a vistor’s insurance policy.

Q Can I buy Insurance for my parents/relatives?

A Yes, on behalf of parents/relatives, visitors’ insurance can be purchased for them.

Visitors Insurance For Parents

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

A Visitors Insurance can be purchased either before the visitor embarks on their travels, or upon their arrival in their destination.If you are purchasing a plan that covers during international travel, you should purchase the policy before they leave.You can choose the coverage start date to be the same as the journey start date.

Q I want to buy insurance for my parents. Should I buy a combined policy or a separate policy for each of them?

A Your parents can either be on the same policy or separate policies. Depending on their age, if they fall under different age groups, they may have to be on separate policies.

Purchasing the policies separately however, does tend to be easier to manage if any changes are needed to be made in travel plans or to the policy after purchasing.

Q What proof will I receive for buying the policy? Will I get an ID card?

A Yes, after purchasing the policy online, you will receive a confirmation email with an attachment to your Insurance ID Card. You will want to take a print out of this and keep it with you should you need to use it during your travels.

Q How do I use the policy once I’ve purchased it?

A Once you receive your insurance ID card via email, you can take a print out of it and present it to the doctors office or hospital upon visiting. The provider will either bill the insurance company directly, or ask you to pay the bill up front for any treatments or services received. Either way, you will need to go through the mandatory claims process in order to receive coverage or reimbursement for the applicable covered services as per the policy you purchased. For more information, refer to our article, Plan Usage: How to use the policy.

Q What doctors/hospitals can I go to? Is there a specific providers list?

A In general you can go to any doctor or hospital of your choice, but for maximum benefit, you should go within the PPO Network if the plan you purchased participates in one. You can find providers by looking at the “Provider Directory” for the plan you purchased. Refer to the Provider Directory given for each plan on the insurance main page.

Q How can I renew the policy?

A Not all visitors’ insurance policies are renewable, so you will want to check the policy documents of the specific plan you purchased. If the policy you purchased is a renewable visitors insurance plan, you can do so online.

Q If I cancel my plan before the start date, is it refundable?

A Many plans do issue refunds if canceled before the official start date. Some however, do not, so it is important to check the cancellation policy of the particular plan you purchased.

Q What are pre-existing conditions and how are they defined?

A Generally High Blood pressure, Diabetes, AIDS, Pregnancy and any such physical problems which can’t be considered to have occurred overnight comes under pre-existing conditions. However, each insurance company has their own definition, hence it is advised to read more about it before buying a particular plan.

What is considered Pre-Existing Conditions?

A Pre-existing condition is any Injury, Illness or medical condition (s) which meets any of the following criteria: a) condition (s) that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under the Policy; 2) condition (s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed prior to the Effective Date of coverage under the Policy. Anything such as cancer, high blood pressure, a heart condition, pregnancy, and any other illnesses or injuries that existed prior to purchasing a policy is considered to be a pre-existing condition.

Who determines if it is a Pre-Existing Condition?

The diagnosis of a pre-existing condition is completely up to the doctor or hospital at the time of visit. If your condition is deemed to be pre-existing based on past medical history and the nature of the illness or injury, the insurance company will not cover any expenses in relation to that condition.

Q Why are Pre-Existing Conditions not covered by visitors insurance plans?

A Traveler’s/Visitor insurance plans are short term plans and designed to cover new conditions that may occur during the limited time frame a visitor is outside of their home country. Pre-Existing conditions tend to need continuous care which is not offered under visitors’ insurance due to the short nature of coverage.

Q Why should I purchase insurance if it does not cover pre-existing conditions?

A Medical costs in the USA are very high and can be financially devastating, especially in the case of an unexpected illness or injury. Visitors insurance is a means to insure against such unanticipated medical emergencies and should not be viewed as a means to get medical treatment for existing medical problems.

Q Can I use visitors insurance to cover a planned surgery for my mother or father?

A No. Known treatment and services prior to having a travel insurance policy for pre-existing conditions will not be covered under any such visitors insurance policy.

I want my father’s full physical checkup done, is it covered?

No, routine medical visit/physical checkups are not covered under most standard visitors insurance policies due to the short term nature of the plans.

Q What is an AM Best Rating and what does it mean?

A A Best’s Rating is an independent third-party evaluation organization, providing a benchmark for comparing insurers, regardless of their country of domicile (www.ambest.com). A.M. 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.

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 the plan brochure or on this website denoted as an 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.

Q Can I add my parents/in-laws/siblings/relatives to my existing health insurance plan?

A No, You cannot add any of your visiting relatives to your existing domestic health insurance plan; however, you can purchase a visitors insurance plan for them.

Q Can I add my relatives (brother or sister) to my health insurance?

A No, You cannot add them in your domestic health insurance plan; however, you can purchase a visitors insurance plan for them.

Q Am I legally responsible for my parents’ hospital bills?

A It’s possible that you may be legally responsible for your parents hospital bills if as a sponsor, you submitted an affidavit for financial responsibilities.

Q I want to bring my Parents/relatives to the US for medical treatment, is there any insurance?

A Unfortunately, no.

Visitors’ health insurance policies are short term insurance policies and only cover conditions that start after the insurance policy becomes effective. Therefore, any existing condition that needs treatment is the insured’s reasonability.

Q I have travel insurance from India. Can I renew it here, or do I need to buy a new Policy in the USA?

A Insurance from India, or from your home country, can be only renewed by whom you purchased it from. Most of the policies are not renewable.You can purchase a new policy in the USA before or after your arrival.

Q Will I get better rates if I buy directly from the Provider? Or from any other website or agent?

A No, you can’t get any better rates than those that you will find here at Path2usa.com. The insurance premiums on our website come directly from the health insurance carriers and powered by VisitorsCoverage.com. The rates you get here are the same as those offered by other insurance agents, brokers or by the provider.

Unlike others, Path2usa.com provides you with unique and authentic information, knowledge, and all necessary tools to help you understand, compare and select the best plan suitable for your needs.

Millions trust Pathusa.com and so can you!

Q I have a specific question to be asked, Can you help me?

A For specific questions and inquiries that you would like to speak with a licensed agent about, feel free to email us at [email protected] or call our toll-free number at 1-866-384-9104.

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