Travel Advice

Purchase visitors health insurance for all foreign visitors whom you host. If visitors fall sick or injure themselves then the visitors insurance coverage can protect the host family from big bills. Coverage can be purchased from the day one departs the home country till the day one returns home (including the the days in transit).

Upon purchase of the plan double check the visitors insurance ID cards and insurance certificate are correct. For immediate coverage confirmation you can request the ID cards be emailed to you. The cards must be in the possession of the insured at all times. Most visitors insurance companies are willing to send either an electronic ID card or a paper ID card.

Most visitors health insurance require you to use facilities within a contracted network of providers (hospitals & doctors). By visiting them you can maximize the benefits offered by the insurance company. Note down the phone numbers and other contact information for the facilities in the areas you plan on visiting. The cost for you as well as the insurance companies is reduced when you use the contracted provider.

The visitors insurance card will provide an Assist number to contact in case you need any information regarding benefits and eligibility. Procedures stipulated by the insurance company must be followed when you seek treatment. Certain treatments may require pre-certification before the procedure.

Assistance during life threatening emergencies must be obtained by calling 911. An appointment with a physician is the best way to get treatment for all non-emergency situations. Locate the nearest ‘Urgent Care Center’ for treatment during late hours. The Emergency Room must be used only if it is an emergency. The insurance can deny payment if an ER visit was for non emergency purpose.

Payment for services rendered can be made directly to the facility by the insurance company. In some cases the doctor may require payment at the time of service and the insured can collect the reimbursement from the insurance company. This is the choice of the doctor. Keep all the copies of treatments and payments related to visitors health insurance. All the receipts must be sent along with the claim form. Reimbursements can take several weeks with visitor insurance.

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