Visitors Medical Insurance FAQs

Frequently Asked Questions with common Answers about Travel Medical Insurance

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Visitors Medical Insurance Frequently Asked Questions

Frequently Asked Questions (FAQ) with common answers about visitor medical insurance for visitors to USA (United States of America), travel medical insurance for foreign travelers to Canada, or for citizens of any nation traveling outside his or her home country.

Visitors 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?
• 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 application form?
• Can I go to any doctor/hospital, or am I limited to specific medical practitioners?
• How do I find out which doctors or hospitals 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 visitors insurance online?
• Who / What is the AD&D Beneficiary?
• Is there any medical test required before we can buy the visitor 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 one visitor insurance policy for the entire family, I am asked for only one passport number?
• Is it possible to renew my visitor insurance 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?
• Does Obamacare offer health coverage for short-term visitors to the United States?