Insurance Policy Clarification Forum

customer serviceHi,
My question is about if it is possible to change date on the travel insurance that is already bought.
Thank you !
Wendy


customer serviceDear Wendy,
YES! You can change the dates on your policy. I was not sure what your situation was, so here are some possibilities for you:
If your policy has already started:
(1) You can extend a policy by renewing in the last month of the policy. The minimum number of days to add is 5.
(2) You can cancel a policy for a refund IF there are no claims on the policy. Some companies only refund whole months and they all charge a cancellation fee (usually $25 but sometimes higher).

If your policy has NOT started:
You can make any changes that you want. A simple email to the company (or us and we can forward it if you are not sure where to email) and they will make that change for you. If you want more days, be sure to give them permission to charge your credit card on file for the additional days.
Never send credit card information by email.

Do let us know how we can assist you further.

Regards,
Customer care
+1 (877) 340 7910
customer serviceDear Sir/Madam
I would like to ask you about my health insurance. I bought health insurance with your company few months ago and now I got sick and I want to go to hospital in Athens, Ohio 45701 near Ohio university. my question is which hospital can I use my insurance to cover my payments and how much should I pay for co-pay. How will you cover my case. In the attachment there are my information.
Thank you !
Georgios


customer serviceDear Customer,
Thanks for your inquiry!
The plan that you have purchased is from the company IMG(International Medical Group). This company have provider network which is First Health. In the attachment that you have sent here, you can see the online provider link. That link and enter your zipcode and you will find the facilities available near your area.
Here is the provider network link for your reference:  PPO Network

Please let us know if you need any help further

Regards,
Customer care
+1 (877) 340 7910
customer serviceHello,
I requested a copy of my mother's insurance card but the link directed me to this website. I bought her a package already.
Best regards,
Ludmina


customer serviceDear Ludmina ,
Sorry for any confusion. We sell insurance from multiple companies and need a little more information to help you. If you tell us the certificate number, date of birth and member number for your mother, we may be able to send it to you directly.

Otherwise, you can go to the "Client Zone" of the company you purchased from, enter the above information and retrieve any and all documents for her policy including an insurance card.

Also, the confirmation email you were sent immediately after your purchase, should have all the documents in it or attached to it. However, we would be happy to assist you with this if we can.

Sincerely,
Customer care
+1 (877) 340 7910
customer serviceHi,
I wanted to know if I get my visa denied is there any way to end the Patriot International travel insurance and get your money back? And instead of making a onetime payment can I pay monthly?
Thanks,
Carolina


customer serviceDear Carolina,
Thank you for contacting us for your insurance needs. If you need to cancel your insurance for any reason, you can cancel the policy for a full refund as long as you cancel before the policy is supposed to start. You must cancel in writing, but they will accept an email notification, so the process is extremely easy. (You would email them at: cancel@imglobal.com to cancel the policy including your certificate number, name, date of birth, and reason for cancellation.

The Patriot insurance plan offered by IMG is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists. The plan meets Schengen or Europe Long Term visa requirements as long as you choose a $50,000 maximum (at least) with a $0 deductible (some countries require a $0 deductible). Immediately after purchase, you will receive a confirmation email containing links to ID cards and a "visa letter". The visa letter is what the consulate needs to see for visa purposes. They are considered official documents even though you print them out yourself.

You can buy the Patriot insurance plan online by reviewing the plan details.

Patriot International Logo      Plan Details      Buy Now      Brochure

Feel free to call or email us with any questions or comments you may have. Regards,
Customer care
+1 (877) 340 7910
customer serviceHello,
Could you please let know the difference between Trip Insurance and Travel Insurance plans? Do the travel insurance plans provide the trip related benefits?
Best regards,
Canis


customer serviceDear Canis ,
Dear Canis, Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Trip Insurance plans are different from the Travel Insurance plans. Trip insurance plans are designed to insure an entire vacation, this includes the expenses involved in the vacation like the airline ticket, cruise ticket, hotel bookings … The trip insurance plans have exhaustive coverage for baggage loss and baggage delay as well as insure eligible expenses where a trip was cancelled and these expenses already incurred are not refundable.

Travel insurance are designed keeping the focus on the health of the traveller during their travel outside their home country. The insurance for the vacation expenses is not as comprehensive as in a trip insurance plan.

1. Atlas International is the right kind of a plan for your visitor who is visiting Australia. This is a comprehensive plan and is available for US citizens traveling outside. For details of the plan, please visit the below link on our website.
Atlas International Logo      Plan Details      Buy Now      Brochure

2. Liaison Travel plans from Seven Corners are also available for US citizens traveling outside US.

3. Safe Travels International from Trawick International is another option that is available for US citizens traveling outside the US.
Safe Travels International Logo      Plan Details      Buy Now      Brochure

Regards,
Customer care
+1 (877) 340 7910
customer serviceHi,
Hi what is the difference between fixed and comprehensive benefit?
Best regards,
Muthu


customer serviceDear Muthu ,
Fixed plans have a set or limited amount they pay out for each medical expense. Comprehensive plans offer more complete coverage with no individual caps on coverage.
You can use this page for some explanation:
Fixed vs Comprehensive visitor insurance coverage.

Regards,
Customer care
+1 (877) 340 7910
customer serviceHello,
With "spouse" is to be indended only a person regularly married or even a partner?
Best regards,
Matteo


customer serviceDear Matteo,
I believe it is intended for legally married couples. However, the forms may not allow same sex couples simply due to asking for gender. This really does not affect the price in any way. The cost is the same whether you purchase two separate policies or one with two people together. Even if you purchase a policy for both; each person has their own deductible, maximum, and certificate number.

This is really only material as it relates to listing a dependent child because they do get a price break and they should be a legal dependent to the policy holder (that is have legal guardianship to at least one person on the policy).

I hope that answers your question .

Regards,
Customer care
+1 (877) 340 7910
customer serviceHello,
I would like to extend my health insurance for an additional year with your company. However, I tried online, but the system tells me the expiration date can not be after February 2017.
Is there a extension limit?
In order to extend my J1 visa, I will need to give a proof of health insurance for another year, meaning from September 1st 2016 to September 1st 2017.
Is it possible to do it another way?
Thank you in advance for your answer.
Best regards,
Marjolaine


customer serviceDear Marjolaine,
Thank you for contacting us for your insurance needs. The policy below is an excellent option for the J visa holder and/or their dependents. The Patriot Exchange insurance plan is offered by International Medical Group (IMG) and provides comprehensive insurance J1 visa scholars in the USA. It satisfies J 1 visa requirements and is hugely popular. If there is a health center available, the insured only pays a $5 copay instead of the $100 deductible. This and many other benefits make it a very economical and excellent choice for J visa holders.

Patriot Exchange Logo      Plan Details       Buy Now      Brochure

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910
customer serviceGood morning,
My name is Georgios Dimopoulos and I have purchased the Patriot America Plus insurance. The certificate number is PATAP81448299.
Could you please let me know what is the policy number of my insurance?
I had to see a doctor last week and they asked me for this number.
Thank you!
Georgios


customer serviceDear Georgios,
The certificate number IS the policy number. Also, if they ask, there is no group number.

Regards,
Customer care
+1 (877) 340 7910
customer serviceHey,
I was browsing the internet and found that the IMG Visitors care seems to be cheaper than the Patriot insurance plan that you suggested.
Can you help me understand the difference between the two plans?
Thanks!
Viveck


customer serviceDear Viveck,
Thank you for your email. The Visitors Care by IMG is a "fixed" plan and therefore is cheaper that the Patriot America plan. The Patriot plan is a "comprehensive" plan and offers better coverage.
To know the difference between a "fixed" and "comprehensive" plan, use link below:
Fixed vs Comprehensive coverage
 visitors care vs patriot travel
Hope this helps.

Regards,
Customer care
+1 (877) 340 7910
customer serviceHey,
I'm the graduate student studying in Purdue University, and my wife will stay in United States for a while. She is interested in Atlas America insurance; however, we don't understand what is "meets J1 VISA requirement" in the deductible part. If the deductible is $0, $100, $250 or $500, there is a note called "meets J1 VISA requirements. Does that mean we need to have J1 VISA? My VISA is F1 and my wife's VISA is F2.

Thank you,
Cheng-Hsien


customer serviceDear Cheng-Hsein,
No. This policy is for any visitor/traveler outside their home country. The form is simply meant to show options for J1 holders (persons holding a J visa need to have a certain deductible and maximum to meet requirements for the visa). If you do not have specific requirements from your institution, you can choose any maximum and deductible that you wish for your spouse.
Sorry for the confusion, but you are not alone in wondering about this notation on the policy online application.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I came to the NEU in Boston as a research fellow. I have J1 visa and bought a HCC medical insurance service on Feb, 2014,including my daughter who has J2 visa. It is the Atlas series with the unique market ref.No.B0755RAM00213.
The total price is $857.6, covering 320days.
I was told that there would be a ID card mailed to my apartment. However, by now, nothing got I.
What should I do???
Thank you!
Hongzhi Sun


customer service Dear Mr. Sun,
I'm sorry about any confusion. You should have immediately received a confirmation email with ID cards as part of the attachment which you can print out immediately and use. If you requested, they should also have sent ID cards to your address.
I have pulled up your information. The address looks correct, but there is a different email address associated with the policy. I will ask the company to send the hard copy and confirmation email again to the email you have used now.
For your information, your policy number is A91116681 (your daughter's is A91116682) and you should use this ID number when talking to the company, a doctor/hospital, or us so we can find you more easily. If you have further questions, you can call the company at: 317-262-2132 (they will answer 24/7 for medical emergency, but only 9-5 M-F EST for customer care; you can call us anytime for customer care at 877-340-7910.
Thank you for your patience and you should get the email later today, while the hard copy may take 3-5 business days to get to you.

Regards,
Customer care
+1 (877) 340 7910
questionHello American Visitor Insurance customer support,
I´m from Colombia but i´m studying in Austria and i just obtain a new visa for Italy but my current insurance plan is about to end and i need a new one. i´ll be traveling a lot and i won´t have a standing stay. It is possible to put the address of the immediate place i´m staying to receive the documents?? or can i get everything by e-mail?
Thanks,
Steffanny


customer serviceDear Steffanny,
You can provide your immediate address and complete buying the policy online However, the address does not really matter as you can download the policy documents on the internet as well.

Regards,
Customer care
+1 (877) 340 7910
questionHello American Visitor Insurance customer support,
I'm in the process of buying insurance from you online. My question is why do I need to provide you with my three digit credit card security number. Payment will be made at least one month before traveling.
I look forward to your timely reply.
Lewis Whitcombe


customer serviceDear Lewis,
The three digit credit card number is unique to the card and is not known to anyone upon usage of the card. By entering that number you are securing your online purchase of your policy. This is for your own security reasons. This information remains confidential, and we do not have access to any of your credit card information.

Regards,
Customer care
+1 (877) 340 7910
questionHello American Visitor Insurance customer support,
I'm going to get insurance for my family during my business trip. My representative in USA wants to have your insurance carrier sign the bottom of the last page .
Since your company doesn’t have office in Russia is it possible your sign scan of papers and send me?
Thank you,
Eduard


customer serviceDear Eduard,
Thanks for contacting American Visitor Insurance with your inquiry!
We see that you purchased the Atlas America plan . The purchase confirmation email is for your reference. The policy information such as the ID Card is attached to the confirmation email which you can print and use for your future use. Can you please be clear as to what needs to be signed and provide the required document? We can facilitate getting the required document signed by the insurer, HCCMIS in your case.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
My name is Francisco Jimenez , I have purchased one of your policy. The ID is 91029368.
There are a few errors in my policy: I cannot enter in the Client Zone using the ID number and my birth date: 09-16-1987 (mm/dd/yyyy)
Could you help me with this issue,
Thank you very much,


customer serviceDear Sir/Madam,
Please enter the alphabet if any associated with the Certificate ID number in the client zone along with your Date of Birth and you should be able to login to the Client Zone.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
My name is Rashid. I am on an F2 dependent visa in the US. I was interested in buying an insurance plan with your company. I just wanted to ask if I could apply for an insurance plan with your company, as I am not a student myself but my husband is a PhD student in University of Illinois.
If I am not eligible, then can my husband get a family plan for us both.
Thank you very much,
Rashid


Dear Rashid,
You are eligible to buy the insurance plans that we offer in our website.
Since you are not a student yourself, you can buy the plans that are available for visitor. The plans can be compared using our compare tool at –

Visitor medical compare

The only factor who should consider is the time period that you have already been in the US. If you have already been in the US for a long time, you will be ineligible for some plans.

Your husband can also buy a family plan to include you. He can choose the plans available for students which can be compared and reviewed at –

Student medical compare .

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
We have a policy with you & our expiration date is April 15th. Does that mean we are covered until April 15th 23:59 or right up to midnight on the 15th?
Thank you,
Debra Munn


Dear Debra,
It means you are covered until the midnight of the expiration date.

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I have a question about The policy maximum. Could you please explain the difference between, "Per injury sickness" and "Per life of plan"?
Thank you for your help,
Judy Romero


Dear Judy Romero,
The Policy Maximum amount does not change with "Per Injury Sickness" or the "Per life of plan". These two terms are in reference to deductibles.
For "Per Injury Sickness" the deductible amount is subjected to change for each injury/sickness reported. This does not take into account the number of hospital visits. It is just with reference to one injury/sickness reported.
For "Per life of plan" the deductible amount does not change for the entire policy period regardless of the number of injury/sickness.
With this in mind please visit the below mentioned link in the thread below for further needed explanation about deductible amounts.

We will be glad to answer further if you have any questions.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
Could you clarify why the Atlas policy does not meet J1 requirements?
Kind regards,
Judy Ahsen


Dear Ahsen,
The J1 requirements want the maximum and deductible on a per injury/sickness basis and the Atlas plan is on a per policy basis. However, they just signed a document asserting J1 compliance, so I guess they do. I had an experience with one customer when the institution didn't accept it. If you have a compliance form that needs to be signed for it, I can run it past the insurance company first to see if they will sign it for you. Or you can run it past your institution first to be sure they think it's OK.
Some administrators will quibble over exact wording, apparently. I didn't want to you make a purchase and then have to get something else. However, if you can get some kind of confirmation then it shouldn't be a problem.

Regards,
Customer care
+1 (877) 340 7910
Hi,
My Daughter who is 17 years of age is studying Full time at a High School in NY and is in the USA under the F1 Visa status.
Could you please let me know if she can take out a Student Secure Policy as the information I am reading online mentions the policy is for College students ?

Thank You,
Paul McCauley


Dear Luis,
Dear Paul,
As a person with an F1 visa, he will qualify for any student health plan.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I have shortlisted "Visitors Care insurance" and have a query about the same. My home country is India and I am currently in the UK and wish to plan to travel to the US for a period of 35 days. Am I eligible for this insurance or not as I am not travelling from my home country.
Thank You,
Nitesh


Dear Nitesh,
You can certainly purchase insurance to cover your trip to the US. It may be confusing, but when a form asks for dates for "leaving home country" and return to home country" you will have to put in the dates for your US trip. The insurance will cover you anywhere outside your home country, but if you do not need coverage in the UK, then just put the dates of your US trip.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
We are US citizens and temporary residents of Australia. The Diplomat plan says it is for foreign nationals visiting the US. Doesn't that refer to non-US citizens?


Dear Customer,
You are right. However this policy does make an exception for US Citizens seeking TEMPORARY coverage with a permanent residence in a foreign country. All you have to do is fill in the application the way you normally would, EXCEPT - where asked what country issues your passports you will say AUSTRALIA.
Once you receive your online purchase confirmation please forward it to us and we will request the plan administrator to manually change that back to USA.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I am currently trying to buy some health insurance and I was filling out the form for visitor health insurance. I wonder if you would be able to confirm a couple of things for me?
I am a UK citizen currently working in Yemen. I would like the health insurance to start asap, so from tomorrow. But my journey to Yemen was not from the UK, and I have been in Yemen since 1st March. Is that acceptable within your terms & conditions?
Many thanks
Anne K Docherty


Dear Anne,
Yes, you can purchase visitor insurance even though you are already outside your home country, and that you did not start your journey from the UK.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I am Canadian & if I purchase your International Insurance to travel in the states & decide to also take a cruise to the Carribean while I am in the U.S. am I covered while physically out of the U.S.?? I would appreciate a reply.
Thank you,
Joy Harris


Dear Joy Harris,
Yes. All our plans cover you while outside your home country. If you are traveling to the US, then you must pay US rates (higher than other countries), but it will work anywhere in the world as well, so your trip to the Caribbean would be totally covered.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
My spouse, my three year old son and I are applying schengen visa together,and the embassy requires the insurance plans be issued individually. So if I purchased the plan which includes the three of us, could you issue the proof of the insurance plan individually?


Dear Customer,
Unfortunately the plan providers will not be able to provide separate visa letters. For this you will have to book three individual policies.

Regards,
Customer care
+1 (877) 340 7910
questionHi,
I am planning to take visitors insurance for my mother in law for 1 month 4 days. Her return date falls in this period itself. So will she be covered during her travel back to India ? If yes do I need to select the destination countries in the form as India & USA ?
Thanks,
Syed Jameeluddin.


Dear Syed,
You only need to purchase for the number of days your mother-in-law will be away from her home country. Her destination in terms of her trip is the US only. You do not need to put India since I am assuming that is her home country. She will not have coverage there under the policy.
The insurance DOES cover her travel back and includes any stop overs in any part of the world. Once she lands in her home country, the policy is over (although if the airline loses her bags she can still make a claim...).
I hope I was able to answer your questions.

Regards,
Customer care
+1 (877) 340 7910

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs
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