Visitor Insurance FAQ - Coinsurance, Deductible

Compare and buy travel insurance

Get answers to all your questions?

We have comprehensive plans that are suitable in your situation. The Comprehensive plans do have a 10-20% of co insurance applicable for the first $5000 of expense, which might be waived in case you visit a doctor within the PPO network of the insurance company.
More Information
I am afraid not. You will only get comprehensive coverage for any sickness or injury but nothing for the pre existing condition.
In your case the answer is 'Yes'. Liaison Elite and Liaison Economy from Seven Corners are suitable for both of you as these plans provide coverage outside the home country where "Home Country" is the country of principal residence.
Yes, we do have plan that will cover you while you are outside the US. You will have to buy a separate policy if you intend to visit other country like Chile.
It is better that you buy a separate plan for yourself and another plan for the rest of your family with your spouse as the primary insured. That way you can save the cancellation fee in case you need to drop out of the plan once your stay period comes to an end.
It is advisable to have insurance from an American company while in the United States, even if the premium for these plans are more expensive. The reason is that while almost all Doctors/hospitals in the United States accept American insurance company cards, they will be reluctant to acknowledge overseas insurance coverage. The medical office can easily contact an American insurance company for clarification, while the same will not be true for an overseas insurance company.
Medical offices, particularly hospitals, in the US can bill directly to an American insurance company. For overseas insurance companies, they expect you to pay the bill upfront, and then you will have to try to get your expenses reimbursed when you return home.
It is precisely to help you make this decision that we built our insurance comparison facility. Using our Visitor Insurance comparison, you can evaluate different plans based on their cost, the deductible and their rating. This will help you identify the plan that best suits for your needs. Feel free to call our friendly staff or try also this link to get a feel for plans that may fit your needs Compare Travel Medical Insurance.
You should purchase visitors insurance online only after being certain of your travel plans (having the passport/visa papers and the airline tickets in order). It is safest to start the insurance coverage from the date of departure from your country of residence/home country. You can make the insurance start the next day from the date of your purchase, so even if they are about to leave, you can still make your purchase online and quickly make sure their whole trip is covered. If you are already on your trip, you should purchase insurance as soon as may be because some companies will issue policies to persons who have already on their trip, particularly to the US and particularly if it has been over one month. An early purchase will give you the most options and the best coverage. Read more
The insurance application form is a secure page which means the page uses a Secure Socket Layer (SSL) for transferring data. The SSL encrypts the data which makes it indecipherable to outside intruders. Your online application and all contents including credit card information is secure in this process. Please note that your credit card information is not saved by us in any way.
On completing an online application, the customer will receive a confirmation email with the details of insurance. This confirmatory email will either have relevant links and attachments or will itself be the virtual insurance card. It is advisable that the customer print the ID card and archive this email for future reference. In some cases, the customer will also receive an insurance card by mail to the mailing address in the application. Some companies have an option called �online fulfillment. If the customer chooses �Yes� to this option, all insurance documents will be emailed or made available online. The customer will need the policy number, group number, and insurance provider's contact information to access all details regarding the insurance plan.
If the plan maximum lifetime is 6 months you should be able to renew the plan before it expires in case your visitor extends the stay. You will have to make an upfront payment for 6 months. It is not monthly payment. No, there is no discount for your purchase.
Yes. You can buy our short term visitor plans. Please visit our quote facility: Short term Insurance plans
That is correct and this is a unique benefit of this plan. However, you should put him on as a dependent on the plan, even though you will not pay for him.
Patriot America and America Plus are similar but for the fact that Patriot America Plus insures Non US citizens for any acute onset of pre-existing conditions up to the age of 70 years. This is not available in Patriot America.
You can purchase separate plans if you want to, however, you will probably pay less with him on as a "dependent" on your wife's plan than as a primary insured. In any case, whether together or separate, they always have their own deductible and maximum; this does not change.
No. The insurance plans have been designed to help travellers for their typical needs. While you can add riders to some of the plans (improve benefits), you cannot opt out or change the benefits.
In SOME cases, you must "pre certify" with the insurance company before incurring costs. For example, let's say you are not well and go see a doctor and he recommends an MRI. The MRI is a very expensive procedure. In this situation, you should call the insurance company before you get it done to make sure they agree to the procedure and will pay for it (at least their 80% of it). This does not apply to emergency care that is required immediately due to possible loss of life or limb, of course. However, even if hospitalized, you should contact the insurance company (never assume the hospital has done this for your own protection) to let them know what is happening. This penalty means you will pay for 50% of any charges if you fail to call them ahead of time. You should not see this as an unreasonable burden; when in doubt give them a call, but always take care of your visitor in the event of an emergency first.
It is advisable to buy travel insurance soon after you make the flight bookings and hotel reservations, but before you commence your trip so that you are insured for the entire journey as soon as you leave your home country. For more details, you can review the blog - ideal time to buy travel health insurance
Compare and Buy US Visitors medical insurance
Affordable travel insurance Online

Fixed benefits US travel insurnace have specific benefit limits for different covered medical expenses... Read more

Best international travel insurance

We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for... Read more

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA, Comparison of travel insurance from top rated insurance providers. Buy the best US travel insurance for visiting USA... Read more

Resources for international travel insurance

Visitor Insurance Resources

Useful visitor medical insurance resources to help you understand the importance of visitor insurance and guide to buy visitors insurance.
Best Visitors insurance Resources
Guide to visitor medical insurance
IMG
SevenCorners
HCCMIS
INF
Global Underwriters
GeoBlue
Trawick
TravelInsure

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..
Insurance questions, comments, suggestions, inquiries about this site, please contact us!

Ask me a Question

Finding your answers are easy now.
Welcome to American Visitor Insurance  -  Online Chat
Name is required
Email is required Email is invalid
Contact is required