Travel Advice

A visitor insurance plan can be purchased for visitors from abroad. This visitors insurance can protect the host family from financial ruin in case visitors fall sick. Ensure that the coverage includes the days they are in transit between the home country and the destination country.

Once you have purchased the visitors insurance coverage make sure you receive the insurance cards and proof of coverage. They are emailed immediately upon purchase of the plan. Visitors can carry the cards with them at all times and present to the provider when required.

Ascertain if the visitor medical insurance plan follows a preferred network of providers. Insurance companies typically offer the most benefits if you visit providers from within the network. So, use a physician and hospital within the network wherever you travel.

Make a note of the number to call to verify benefits. Contact the insurance company to confirm coverage and to follow the procedures in case you need to get medical service. If surgery is recommended or the treatment involves hospitalization, pre-certification may be necessary.

If there is a life threatening emergency you must call 911 for assistance. In other cases it is best to make an appointment with a physician. If you need help outside of normal business hours, you could go to an Urgent Care Center. Do not go to the Emergency Room if it is not an emergency. Most visitors insurance will not cover ER visits if the visit does not lead to hospitalization or is not of an emergency nature.

The medical provider determines whether to bill the visitors insurance company directly or bill the insured. If the insured has made a payment then the insured can fill out a claim form, include itemized receipts and seek reimbursement for the payments made. The insurance company may request additional information and the entire reimbursement process can take anywhere from a few days to several weeks.

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