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Frequently Asked Questions

Frequently Asked Questions (FAQ) with common answers about Visitor Medical Insurance for visitors to the United States, Travel Health Insurance for foreign travelers to Canada, student Health Insurance for international students studying in USA or abroad, Europe Travel Insurance for Schengen Travel Insurance to European countries, and more.



Visitor Medical Insurance FAQ


• What is the difference between the scheduled benefits plan and a comprehensive plan?
• Why should I purchase insurance with an American company and not buy insurance in my native country?
• There is such a wide array of choices between insurance plans offered by different companies. How do I know what to purchase?
• When should I purchase the insurance?
• My parents are not yet here, can I purchase insurance for them in their absence?
• Is the insurance plan refundable should I leave the country during its validity?
• What is the proof of my purchasing insurance?
• How do I purchase the selected insurance plan?
•  When does the insurance coverage take effect? When • Can I purchase insurance for only part of the stay of my parents in the US?
• Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months ?
• What is the minimum duration for which insurance can be purchased?
• How are the insurance companies rated?
• Do I need a Social Security number to complete the form?
• Can I go to any doctor/hospital, or am I limited to specific medical practitioners?
• How do I find out which doctors are part of a given insurance network?
• Can you give an example of my medical expenses with different insurance plans?
• Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?
• What is a deductible?
• What are the different types of deductible?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• What is co-insurance?
• Is it safe to purchase Insurance online?
• Who/What is the beneficiary (AD&D Beneficiary)?
• Is there any medical test required before we can buy the insurance?
• What is the Policy Period?
• Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?
• When I buy the policy for more than one person, I am asked for only one passport number. Don’t you need the passport number of all applicants?
• Is it possible to renew my policy?
• Does the insured need to have a medical examination?
• What is the meaning of UC & R ?
• What are pre-existing conditions?
• What is a HMO?
• What is a PPO?
• What is POS?
• What is a Primary Care Physician?
• Can I change my primary care physician?
• What is a Chart Number?
• What is difference between Urgent Care and Emergency Services?
• What are Preferred and Non Preferred providers for a PPO plan?


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Student Health Insurance FAQs



International Student Insurance FAQ


• What are the eligibility criteria for purchasing International Student Health Insurance?
• Are dependents of student's eligible for coverage?
• May I purchase Student insurance if I am already studying outside my home country?
• Will proof of insurance be mailed to me?
• How soon will the coverage begin?
• My school requires an Insurance Compliance Form or a Waiver Form to be completed as proof of my insurance. Can you complete this form for me? What should I do?
• May I renew my policy if I extend my stay in my country of study?
• May I go to any doctor or hospital, or must I use my school's Student Health Center or a preferred provider from Study USA-HealthCare's network?
• Is a network provider located in my area?
• How will I receive care at In-Network level if there are no Network providers in my area?
• Will my Study USA-HealthCare policy cover me if I travel outside the U.S.?
• Does Study USA-HealthCare cover pre-existing conditions?
• Does Study USA-HealthCare cover pregnancy?
• What should I do if I want to change the policy effective date after I have submitted my Enrollment online?


US Student Health Insurance FAQ


• How does the Student Select medical Insurance satisfy the needs of college students?
• If I apply for an insurance plan from your site, am I obligated to buy?
• As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
• Who can purchase the Student select health insurance?
• Can I purchase student insurance for family members (spouse and dependents)?
• Are there any network coverage limitations?
• Do I need authorization for availing healthcare services?
• Does the student insurance provide coverage throughout the year, or just during the school term?
• Will I be covered when I go out of state?
• What happens if I transfer schools?
• Will I lose coverage when I graduate or if I leave school?
• When should I apply for student insurance?
• When does my coverage begin?
• How many times can the insurance plan be renewed?


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Global / International Health Insurance FAQ


• Why do I need a travel protection plan if I have credit cards that include travel insurance?
• What is International Travel Medical Insurance? Why do I need it?
• Will the plans cover Baggage Loss and Trip Cancellation?
• How are the insurance companies rated?
• What is the definition of a Pre-Existing Medical Condition?
• What is the Pre-Existing Condition Period?
• What is a deductible?
• Can I purchase travel insurance for my friend, relative or employee online?
• When will my coverage become effective?
• Can I purchase a Flight Accident Policy if I have already departed on my trip?
• Is there trip insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip?
• I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip?
• What is the latest date I can purchase travel insurance?
• When is the best time to purchase travel insurance?
• I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
• What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance purchased within 'x' days from First Trip Payment?
• Does the Pre-Existing Condition period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance policies that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I determine the total cost of the trip?
• When will my coverage become effective?
• I did not receive a copy of my travel insurance policy in the mail yet. What should I do?
• Can I cancel a policy I purchased? Do I incur a penalty?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave?
• Can citizens of countries other than the U.S. purchase travel insurance?
• Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
• Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
• Is it possible to insure the rental of a house or condo?
• What is financial default coverage?

Trip / Travel Insurance FAQs


• Why do I need a travel protection plan if I have credit cards that include travel insurance?
• What is International Travel Medical Insurance? Why do I need it?
• Will the plans cover Baggage Loss and Trip Cancellation?
• How are the insurance companies rated?
• What is the definition of a Pre-Existing Medical Condition?
• What is the Pre-Existing Condition Period?
• What is a deductible?
• Can I purchase travel insurance for my friend, relative or employee online?
• When will my coverage become effective?
• Can I purchase a Flight Accident Policy if I have already departed on my trip?
• Is there trip insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip?
• I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip?
• What is the latest date I can purchase travel insurance?
• When is the best time to purchase travel insurance?
• I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
• What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance purchased within 'x' days from First Trip Payment?
• Does the Pre-Existing Condition period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance policies that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I determine the total cost of the trip?
• When will my coverage become effective?
• I did not receive a copy of my travel insurance policy in the mail yet. What should I do?
• Can I cancel a policy I purchased? Do I incur a penalty?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave?
• Can citizens of countries other than the U.S. purchase travel insurance?
• Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
• Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
• Is it possible to insure the rental of a house or condo?
• What is financial default coverage?


Insurance FAQ Disclaimer:
ServeGlobe 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. ServeGlobe 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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