How do I purchase the insurance? When does the insurance take effect?

Purchasing insurance online is very simple. From our compare engine, you can click on the ‘Buy’ button in the first column. This leads you to the appropriate online application form. You have to complete the appropriate online application form and you will immediately receive an email acknowledgement which is the virtual ID card. The coverage will start from the start date as indicated on the form. Within a week you will receive a package from the insurance company, which will include the insurance card and a hard copy with details regarding the insurance plan.

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What is the proof of my purchasing insurance?

When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is the virtual insurance card, and it is prudent to print this and to keep a backup of this email. You will also receive an insurance card from the insurance company by mail. This card will have your name, policy number, group number, insurance company’s contact information such as the toll-free telephone number and the address where claims should be submitted.

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Refundable insurance plans

Some insurance plans do refund money if given enough advance notice, however since travelers insurance is typically for a short duration, they are often not refundable. If this situation is a concern for you, you should look out for insurance plans which are renewable. Such plans are available among the plans listed in our comparison engine.

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Why should I purchase insurance with an American company and not buy insurance in my native country?

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. Typically medical offices in the US will bill directly to known American insurance companies. For overseas insurance companies you most probably will have to pay […]

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What is the difference between the scheduled benefits plan and a comprehensive plan?

Fixed Benefits Plan (Scheduled Benefits Plan) These 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 $2000 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. […]

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Visitor Health Insurance for Travel

Traveling or moving abroad can be both fun and challenging. Following some simple steps can help you have a great trip. These are some important steps you must take before you undertake any travel: 1. Visit your current health care provider way ahead of your travel date and determine your travel health needs. Make sure your family is up to date with all the vaccinations that may be needed. Some countries may require a signed and dated International certificate of vaccination as proof before entry. Check the visa requirements carefully. Some countries require proof of visitor health insurance as part […]

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Non US Citizen Health Insurance

Non US Citizen Health Insurance plans are designed to provide coverage for unexpected sicknesses or injuries that might arise during travel to a foreign country. Coverage is available for doctor visits, hospitalization, surgery, medical evacuation and prescriptions. Insurance for non US citizens can be purchased for a minimum as 5 days to up to a maximum of 5 years. Most plans can be renewed after an initial purchase of 12 months. After purchase of the insurance, foreigners are provided with an ID card as well as other insurance documentation to carry along with them. You can request for the documents […]

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