Yes. Most international and visitor medical insurance plans cover prescription drugs for an eligible new illness or injury. Coverage depends on your plan type:
There are no copays for prescriptions; instead, one deductible applies to all services, including medications.
Yes. You can visit any licensed pharmacy such as CVS, Walgreens, Walmart, Costco, or other local pharmacies. Pharmacies in the U.S. do not directly bill visitor insurance, so you must:
This is the standard process for all visitor insurance plans, including those purchased through American Visitor Insurance.
Most U.S. pharmacies cannot bill visitor travel insurance directly. This means you need to pay for your medication upfront at the time of purchase.
Afterward, you can submit a claim to your insurance provider along with your receipt and prescription to get reimbursed. This is the standard process for all visitor insurance plans, including those offered by American Visitor Insurance, and ensures you still receive coverage for eligible medications.
Here's how it works for domestic insurance, however this is typically not available with travel insurance plans:
Note : Always keep copies of all documents for your records, and submit your claim as soon as possible to avoid delays. Over-the-counter medicines and pre-existing prescriptions are usually not covered, so check your policy before purchasing
If a pharmacy in the U.S. doesn’t accept your travel insurance card, you can still get your prescription covered. Most visitor insurance plans allow you to pay upfront for your medication and then submit a claim for reimbursement. To ensure your claim is approved, keep the pharmacy receipt, prescription, and any doctor’s notes, and follow your insurer’s instructions for filing. Checking your policy beforehand for coverage limits and required documentation can help avoid delays or claim denials.
Visitor travel insurance doesn’t cover everything at pharmacies. Common exclusions include:
Tips : Always check your policy and keep receipts to ensure your claim is approved.
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Yes. Many travel insurance plans require prescriptions to be written by a licensed physician in the U.S. to process a pharmacy claim.
Most visitor travel insurance plans do not cover over-the-counter drugs, vitamins, or supplements. Only prescription medications approved under your policy are reimbursable.
Always check your policy for coverage limits, required documentation, and preferred pharmacies. Keeping complete records of your prescriptions and receipts helps ensure smooth reimbursement.
Yes. Travel insurance generally covers urgent or emergency medications prescribed during your trip. Non-urgent or routine prescriptions may not be covered.
You should keep the official prescription, pharmacy receipt, and any doctor’s notes showing the medication name, dosage, quantity, and cost. These are required for reimbursement.
Reimbursement timelines vary by insurer but usually take 2–6 weeks after submitting a complete claim with all required documentation.
Yes. Each travel insurance plan has maximum coverage limits, which vary by policy. Check your plan for pharmacy-specific limits.
If a claim is denied, the insurer will usually provide a reason in writing. You can often appeal the decision or submit additional documentation.
Some plans allow it, but coverage may be limited. Always check with your insurer before using mail-order or online pharmacies.
Prescription medications may be covered if they are directly related to a covered illness or injury treated during your policy period.
Visitors insurance is not designed to cover routine prescription refills, especially for maintenance medications you were already taking before your trip. These are typically considered part of managing a pre-existing condition and are excluded under most plans.
However, if a new prescription is issued by a treating physician as a result of a covered illness or injury that occurred during your trip, the associated medication cost may be eligible for reimbursement. If you rely on regular prescriptions, we recommend bringing an adequate supply for your entire trip duration, or exploring specialty plans designed for longer stays.
Tip: Some comprehensive plans may offer a prescription drug rider for added coverage call 877-340-7910 to explore available options and find the best fit for your needs.