Visitor Insurance Reviews
Visitor Medical Insurance ReviewsVisitor Insurance Reviews with customer feedack and visitors insurance FAQ or frequently asked questions which many clients ask before purchasing a visitors insurance plan. Also, reviews and highlights of the unique and salient features of the variors visitors insurance plans also featured. Visitor health insurance for visitors to USA or travelers to any other nation worldwide can get visitor insurance that provides coverage with medical health protection in case of sickness or accident, no matter where you travel around the globe.
1. Is the insurance policy Comprehensive or is it Fixed Benefit?
Fixed Benefit Visitor InsuranceThese policies are characterized by various benefit limits for each type of covered medical expense. These benefit limits typically are not the same as the policy maximum.
For example, a policy with a $50,000 maximum limit may feature upto a maximum of $3000 for surgery, upto a maximum of $500 for diagnostic services (X-rays, scans) etc. The maximum amounts for different situations are detailed in the policy brochure. Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses.
Scheduled Benefits Plans have the lowest premiums, but the consumer must be aware that the benefits offered are relatively limited as compared to the Comprehensive Coverage Plans.
Comprehensive Coverage Visitor InsuranceThese policies typically do not have benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way upto the policy maximum (less deductible and co-insurance).
Typically for all covered medical expenses during the policy period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses upto the policy maximum.
The details for each policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure.
Comprehensive Coverage Plans have relatively higher premiums, but in turn offer better covered benefits and features than the Scheduled Benefit plans.
2. Is the insurance policy renewable?
Not all insurance policies are renewable. This factor can be relevant if there is a chance that the visitor can extend his travel period. The renewability factor is important in the following manner. If a product is renewable, any ailment that occurs during the initial coverage period will be covered even when the policy is renewed. However if the policy is not renewable, while you can still purchase the same policy a second time, any ailments that occured during the first coverage period will be interpreted as a pre existing ailment and will not be covered in the second coverage period.
3. Does the policy have a provider network, or can you go to any medical practicioner ?
This information will be available in the policy brochure as well as in our compare engine (anchor to visitor compare engine).
4. What is the AM Best rating of the underwriter company?
The insurance companies are rated by an independent rating company A.M.Best rating. For all the plans, each insurance companys A.M. Best rating is displayed in our compare engine. (anchor to compare engine)
5. Will I get a refund if I cancel the policy ?
Some companies do not give any refunds while other refund on a pro-rated basis. Some companies also charge and administrative fee, and will only honor a cancel request if there has been no claims before the requested date. This can be important is the visitor cuts short this travel period.
Compare Visitor Medical Insurance Plans
Best for visitors to USA, parents, relatives visiting USA or travel to any international destination.
Compare Visitor Medical Insurance plans for self/parents and/or relatives who are visiting the United States and/or Canada.
Visitor Health Insurance plans cover medical expenses (some plans offer pre-existing conditions coverage), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment. Other secondary benefits include, trip interruption, baggage loss, baggage delay.
There are two types of Visitors Medical Insurance policies, (a) Fixed benefits policies and (b) Comprehensive polices. The detailed differences between these policies are provided here: Visitors Medical Insurance Plans
You can get free visitor insurance quotes for your self/parents/relatives by entering their ages and travel visit duration below and clicking on the quote request button.
Visitor Health Insurance Reviews
Visitor Insurance Reviews
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