Why do I need a travel protection plan if I have credit cards that include travel insurance?

Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card. Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.

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Figuring out the Deductible in a visitor insurance plan

Deductible is the amount the insured is responsible for before the visitor insurance provider pays the claims. Most plans offer a choice of deductibles from 0 to $2500. Selecting a low deductible ensures that the insurance company will pay eligible claims starting from the very first claim. The plan premiums for low deductible visitor insurance plans are often much higher than that for a high deductible plan. Deductibles are sometimes applied per injury/sickness and some other plans apply a deductible for 12 months of the plan. If a plan has a $50 deductible per injury/sickness you will be responsible to […]

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Should I visit my campus health center first in case of sickness?

Most international student insurance plans offer lower or no deductible if you visit your campus health center first for any sickness. To keep your out of pocket costs low it is a good idea to first visit your health center if it is not a life threatening emergency. If you do not have a health center, make sure you visit a physician or hospital that is a part of your international student insurance plan network.

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I have a visitor medical insurance for my wife and me, my wife is leaving earlier. How can I cancel only her policy?

If the visitor medical insurance plan lists both of you on the same plan, you cannot cancel coverage for only 1 person and continue coverage for the other. If you have separate plans you can email your cancellation request for the person who needs to cancel. If both of you are listed on the same plan you may also consider cancelling your current plan and purchasing another visitor medical plan to cover you alone. Since yours will be a brand new plan your deductibles, co pay and pre existing condition waiting period will restart from the day your new plan […]

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How can I purchase visitor insurance for my 2 children who are below 18?

Visitor insurance is available to children over the age of 14 days. The children can be together on a plan if atleast 1 parent is applying for the visitor medical insurance. Some visitor medical insurance plans offer free coverage for a child if the parent purchases coverage. In the event the parent does not need coverage, you can purchase coverage only for the children using a child only rate. You must purchase 2 separate visitor health insurance plans, one for each child. The plans do not allow for 2 children to be on the same plan without an adult.

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The international student insurance offered by my university is very expensive? How can I get comparable coverage that is cheaper?

Most universities require their students to purchase international student medical insurance before they are allowed to enrol for classes. Some universities offer their own health plans. In most cases these plans are quite expensive. The university may give you a choice to opt out of their coverage if you purchase international student insurance that meets certain requirements. You can discuss these requirements and send us the waiver form to receive recommendations of comprehensive plans that offer excellent coverage to international students. After your purchase we can help you with completing your waiver form saving you a lot of money.

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I have recently started my OPT and no longer qualify for international student insurance. What can I purchase?

If you are on your OPT and not registered for full time classes, you are not eligible for international student insurance plans. You may also not be eligible for insurance sponsored by your employer. This leaves you in a vulnerable spot. Make sure you are protected by purchasing a OPT health insurance plan. OPT medical insurance offers coverage to students on their training period and can be renewed till they find employment and are covered under their employers plan. The OPT medical insurance plans offer coverage all around the world and may also limited coverage in your home country for […]

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I am here on a F1 visa and my insurance is paid by my university. Can I purchase a student insurance plan for my dependants?

International student insurance is available to international students and their dependants. The dependants are not eligible to purchase the insurance for international students if the student does not purchase the plan. In your case since the insurance for the international student has been paid for you can consider one of the several visitor medical insurance plans that can cover visitors on any visa to the US. Another choice would be to waive out of your student plan and purchase a international student insurance plan for the whole family.

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I am planning on moving abroad for a few years and need health insurance, please advise?

For someone who will be moving abroad or residing for long periods of time abroad Expatriate health insurance is a must. Your current coverage from your home country may not offer adequate coverage. If you will travel back and forth to your home country and need coverage there consider a expatriate medical insurance plan. These Global plans offer comprehensive coverage including preventive care and maternity. These plans are annual plans and can be renewed. A medical questionnaire must be filled out and additional information may be requested. You can apply for expatriate insurance online and receive confirmation via email.

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I am a J1 scholar and my health insurance is being paid by the Sponsoring organization. Can I purchase a health plan for my dependants?

Both J1 and J2 visa holders must possess valid qualified health insurance during their stay in the US. If your J1 health insurance is paid by your sponsoring organization you can purchase health insurance for your J2 dependants. There are some J1/J2 visa health insurance plans that require the J1 visa holder to purchase coverage. You can select from other J1/J2 plans that does not have this requirement and purchase coverage for your dependants alone.

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