Visitor Health Insurance - Frequently Asked Questions

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Age & Citizenship
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03. Purchasing a plan

  1. I am a non US citizen and my daughter is US citizen. We both live outside US and want to visit US. Are we eligible for the plans covering US citizens in US?
  2. Is there any plan that can cover me in the US and outside of it, as long as it is not my country of residence?
  3. If I enroll from August 7 through August, 31, can then enroll again in December? (without returning to my country of residence in between these two periods of coverage)
  4. My family and I have different travel dates, as my family is staying for a longer period than me. Do I buy a separate plan or buy a plan for everyone together?
  5. What are the advantages of buying travel insurance with an US insurer as opposed to buying it in my native country?
  6. There are so many choices of insurance plans offered by different companies. How do I know which plan best fits my needs?
  7. When should I purchase the visitor health insurance plan?
  8. Is it safe to buy visitor health insurance online?
  9. What proof will I have of having purchased these visitor medical insurance plans?
  10. After 6 months is there a way to get coverage? And is the payment plan monthly or I have to buy 6 months directly? Is there a discount of buying for the entire period?
  11. I have an A3 Visa. Are there insurance policies for A3 Visa?
  12. I need to purchase Atlas insurance for my Columbian friend. Can I put my friend's name as the applicant and give my address as the mailing address and purchase the insurance on my Credit Card?
  13. My son is still an infant, so this means he is covered free under my wife's Atlas plan, right?
  14. Since my son is not covered for free under my wife's coverage, could my wife and son buy 2 separate plans(different deductibles and maximum benefits) or do they have to be in 1 plan?
  15. We do not really care about pregnant and maternity coverage as well as travel coverage (baggage lost....) or terrorism, evacuation coverage. Is there any way to opt out these benefit and add Dental coverage?
  16. The plan says: "Hospital precertification penalty- 50% of eligible medical expenses". *Please help me understand this too.
  17. What is the ideal time to buy travel health insurance or visitors medical insurance?
  18. Do I need a Social Security number to purchase visitor insurance?
  19. How do I purchase visitor medical insurance? When does the insurance take effect?
  20. Is this insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months?
  21. When I buy a policy for more than one person, I am asked for only one passport number. Don't you need the passport number of all applicants?
  22. I am having H1 Visa. I am looking for health insurance and wondering if Visitors Care plan works for me? Does it have arrival time restriction?
  23. Will I have to pay myself or can the Insurer make direct billing to the provider if I buy Visitors Care?
  24. How do I know which hospitals I can go to with Visitors Care plan?
  25. What should I do so the provider recognises the insurance plan I have?
  26. Meaning of: "I understand that Lloyd's operates as an approved, non-admitted insurer in all states of the United States except Illinois and Kentucky where they are admitted. As such, claims under this insurance may not be made against any state guaranty fund."
  27. Can I purchase a plan if I visit my country of citizenship, when my country of residence is different from my country of Citizenship?
  28. Does the insured need to have a medical examination before buying the plan?
  29. Are there any medical tests required before buying the insurance?
  30. While purchasing the plan, I am able to type the signature but not insert the signature electronically. Is this fine?
  31. What are pre-existing conditions?
  32. What is the difference between Urgent Care and Emergency Services?
  33. What are the short term visitor insurance options for US citizens living outside USA while visiting USA?
  34. What are the insurance options available for older travelers?
  35. Can I buy the Global Platinum plan from IMG if my Green Card is in progress?
  36. What is the difference between Global Gold Plus and Global Medical Platinum?
  37. We are travelling in large groups? How do we buy travel insurance?
  38. How do I find the network hospital or doctor?
  39. I want Trip Cancellation Insurance? Which is the best trip cancellation insurance?
  40. I travel frequently. Find me some best travel insurance plans?
  41. What is the best travel insurance for US senior citizens above 65 years, travelling outside USA?

What does visitor travel insurance cover?

Health care expenses

Covers hospital medical expenses for sickness or accidents during travel.

Doctor visit

Covers Doctor visits in case of sudden injury or sickness.

Pharmacy drugs

Expenses from Doctor prescribed eligible pharmacy drugs.

Pre-existing conditions

Some plans cover acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility if needed.

Repat of remains

Repatriation of remains expenses to home country in case of death.

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Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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