Visitor Insurance Resources

Here are some useful resources to help you understand visitor insurance.
Visitor Insurance is a travel/medical cover that provides coverage for any sickness or injury that you might experience while traveling outside your home country. Health Care costs are very high and the insurance will be your life saver when you encounter any events of sickness or injury. These insurance plans also offer coverage for pre- existing conditions as well.

About Insurance

Why visitor Insurance?

Learn the importance of visitor insurance while outside your home country.
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How does it work?

Find out the details of how a policy works when you incur a medical expense due to injury or sickness
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Claims Informations

Find out the Claims Process and How Travel Insurance Works
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How to buy?

Step by step information to purchase the suitable plan online
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Insurance Glossary

Commonly used terms in international health insurance
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Types of Insurance Plans

Fixed vs Comprehensive

Understand the difference between these 2 kinds of plans to see if they are suitable for you.
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Trip vs Travel vs Global

Confused whether to buy trip or travel or global insurance? Know the differences!
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Insurance Categories?

We have plans suitable for different categories.
Student! Visitor! J1 Scholar! OPT holder! New Immigrant! Maternity! Sports! and much more!
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Group Insurance

Travelling in Groups? Be it on vacation, on work, on educational tour or to take part in sports activities.
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Tools to find Insurance

Find the Best coverage

Find out the right plan for your category and their price information
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Find the Best US immigrant Insurance

Best eligible health insurance plans for green card holders, permanent residents and new immigrants
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Compare coverage

Compare the plan benefits by comparing them with one another from different insurance providers
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Compare Plans

Select from the given list of plan comparison options to compare the benefit
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Factors for travel insurance

Here are some vital factors that you need to keep in mind while buying travel health insurance.
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Visitors to USA

Travel health insurance plans from popular insurance providers for visiting USA.
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US travelers outside USA

Travel insurance coverage for medical expenses related to hospitalization, medical evacuation and repatriation.
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Travel to Europe

Insurance plans satisfying visa requirements for visiting Schengen countries
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Does this visitors insurance have direct settlement or payment?

We get many inquiries about how the insurance works and if you must pay up front and submit a claim to get reimbursed or if the insurance company will directly pay the provider. This is an excellent question and one which many clients do not understand. Many US residents are used to showing our ID cards and having all the bills directly paid (albeit slowly) and then paying our portion some time later to the provider. Because the insurance companies that issue plans for visitors are much smaller than our domestic companies, many providers will say "We don't take this insurance." What that means is they do not want to call the insurance company and arrange direct payment for you. In that case, you can still use the provider, but you will have to pay up front and submit a claim to get reimbursed. Some clients take this message from the provider to mean their insurance is no good. Nothing could be farther from the truth. All the policies we offer can be used at any doctor or hospital you desire -- they are meant to be used in an emergency and the closest place may or may not be in the PPO network (if that is an issue). So, you don't have to worry about that. All that means is you will have a little more legwork on your end to get your reimbursement. The good news is the claims forms are all available on our website to download and they are very straightforward. You do not need to be a doctor to fill them out. Be sure you keep a copy of anything you send in for yourself and simply follow the directions on the claims form for the insurance policy you purchased. You should expect to get repaid within a couple weeks if they get all the documentation they need. Be sure, if you have a client zone login, to check on your claim from time to time to be sure you have done your part to move the process along. There is one company, called GeoBlue which works with a very large network that does claim to have "guaranteed" direct bill pay (IF you do use a BlueCross/BlueShield provider). I would personally take this with a grain of salt since nobody can make someone make a phone call if they are unwilling to do so. However, the network is very popular and extensive and may provide some reassurance to a traveler to the US. This company also has providers abroad in over 100 countries as well, but I do assume these are less numerous. Happy traveling!

How do I file a travel insurance claim?

The actual forms and instructions on filing a claim vary slightly by company. For certain, each company has a form (usually only one page front and back) to be filled out. The full instructions for submission of the form are on the form itself and all the forms can be downloaded from our website (for companies we work with). There can be two different forms for medical expenses and other expenses (baggage loss, etc), so check to make sure you have the correct form. If the provider will not set up a direct payment with the insurance company, you will have to pay for all bills out of your pocket. Keep all receipts and documents you are given. Fill out the claims form as instructed, make a copy of all documents for yourself and mail, fax, or email the document as instructed to the insurance company. If you have a login for your insurance policy, use that to check on the status of the claim to make sure they receive all the necessary documentation they require (careful reading of the instructions will help, but they may need something more from the provider which you may be able to expedite in person). Then, you simply have to be patient as the process unfolds. Those of us that are US residents know that this can take weeks with our own medical insurance as they work out their process. Some clients are shocked to get a bill in the mail soon after a stint in the hospital or at a doctor's office (even if they did get direct billing). Just hang on to the bill and give the insurance company at least two weeks before giving them a call. Do not pay anything until you have heard back from the insurance company. As we say, "chill and let it ride" until you get your insurance company to do their part!


Customer Support

Some links for customers to access information on online renewal, claims department address/contact numbers, finding network of hospitals/doctors, cancellation procedure, customer care contact numbers and how to find Schengen visa letter?

customer care

Customer Care Details

Find the contact details of the insurance companies

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doctors/hospitals

Search Hospitals / Doctors

Get the information on PPO network for the providers

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insurance-claims

Insurance Claims Contact

Get the claim department contact information

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insurance-renewal

Insurance Renewal

Find online renewal details of your purchased plan.

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insurance-cancellation

Insurance Cancellation

Get the policy cancellation details here

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schengen visa

Schengen Visa Letter

How to get Schengen Visa Letter after buying the plan.

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visitors benefits

Visitor Insurance Benefits

Visitor Insurance plans offering specific benefits.

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student benefits

Student Insurance Benefits

Student Insurance plans offering specific benefits.

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From Our Happy Customers

Forum

Insurance Forum and Discussions.

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FAQs

Comprehensive list of Frequently Asked Questions.
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Claims

Visitors Medical Insurance Claims Information.
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Articles

Resourceful insurance articles.

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Blogs

Review our resourceful blogs for insurance.
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