When should I buy visitors insurance?
It is advisable for international travelers to be insured under travel medical insurance before leaving their home country. Visitors can buy travel insurance after confirming travel plans and buying the air tickets. It is safe to be insured from the day you leave your home country. However, do note that insurance plans offered on our site can be purchased even after the journey has started.
How do I buy visitors insurance plan?
Buying visitors travel insurance is very simple which involves getting quote and comparing plans using our user friendly quote/compare facility and then buying the plan by filling out the online application. Our compare visitors insurance tool is easy to use and helps customers compare costs and coverage details.
Can I go to any hospital covered with this insurance?
The hospital you visit depends on the insurer and the plan purchased. Under some insurance plans, there will be PPO (Preferred Provider Network) or a network of hospital where a customer can expect cashless hospitalization. However, if the insurer is hospitalized outside of the PPO network then instead of direct billing to the insurer, there will be a reimbursement for the bills paid. Insurance customers can understand more about travel insurance PPO network using our insurance compare facility.
How are the visitors insurance providers rated?
Insurance companies who offer travel insurance are rated by A.M. Best rating an independent rating company. Using our compare tool customers can access the details of A.M. Best ratings of respective insurance companies. Insurance customers can find the A.M. Best Ratings under the plan details column in the results of our insurance tool.
There are many insurance plan options, how do I know which plan suits me best?
To help you answer that question we offer 24/7 customer support. Choosing a plan depends on factors such as your age, the length of your stay, destination .... Please do not hesitate to call us at 877-340-7910 or email American Visitor Insurance and a licensed agent can help you choose the right plan for your needs.
What is the difference between the fixed policies and comprehensive policies?
To understand the difference between Fixed and Comprehensive plans, please visit fixed vs comprehensive page on our website for detailed explanation with example.
How much insurance should I buy?
The answer, of course, depends on the individual traveling and the risk involved. If you are travelling to the US as a visitor, then we recommend coverage anywhere in the range of $50,000 to $300,000, this given the high cost of healthcare in the United States. As a student, this is also the coverage that most colleges and universities require of their international students. However, if you are travelling to Europe, the Schengen visa requires a minimum of $50,000 ($30,000 Euros).
Can I get a discount if I buy from your company?
The insurance industry is highly regulated. It is illegal for us as an agency to offer rebates or valuable incentives to purchase through us. However, given that we offer a wide range of options, you can find the best priced policy and you do not pay any extra when you buy through us or any other agency. In fact, some policies that we offer may not even be available directly from the insurer.
What advantage is there to buying insurance from American Visitor Insurance?
While you pay nothing extra for going through an agency like American Visitor Insurance, you do get an additional support help for free. We have customer service hours after the insurance company has closed and we also have contacts with all the companies which we can use to expedite your issues or requests with the companies. We work hard to be sure our customers are treated appropriately and get responses in a timely manner. Also, at American Visitor Insurance a user friendly visitors insurance compare tool is available for the convenience of the insurance customers.
Is it safe to purchase insurance through your website? Why should I buy insurance online?
Yes, absolutely. We make sure that all our sites are secure when you choose to buy the insurance. After your purchase, you will immediately get a receive a confirmation email from the insurance company with a Certificate ID number. Please note down this number or keep this number safe. This will allow you and us to communicate with the insurance company. Buying the insurance online keeps the cost down for the insurance company and they pass this savings on to you. If you were to purchase the same insurance via fax or mail, some companies use higher rates than those offered for on-line purchases.
Do you sell insurance for international students and their dependents?
Yes, we do sell insurance for F1 and F2 visa holders. International students can use our student medical insurance compare tool and get quotes and benefit details of eligible student insurance plans. Note that if the student already has insurance and the dependents do not, the dependents themselves are NOT eligible for student insurance. In that case, they can purchase insurance in our "visitor insurance" category.
Do you offer insurance for F1 and F2 visa holders?
Yes, we do have insurance for F1 and F2 visa holders. International students can use our student medical insurance compare tool and get of insurance according to your needs.
Do you sell insurance for J1 and J2 visa holders?
Yes, we do provide insurance for J1 and J2 visa holders at our J visa insurance section. Customers can compare J visa insurance plans and then make an online purchase at American Visitor Insurance.
Do you have insurance for immigrants and Green card holders in the US?
Yes, we do offer insurance for Green card holders and new immigrants to the USA. We have an user friendly immigrant insurance compare tool is available where immigrants can compare several quotes and then make a purchase.
