Global Citizen, Global Student USA, US Students Aboard, Trip Protector, Global Navigator Insurance

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Global Citizen FAQs

• Who is eligible to buy a Global Citizen plan?
• Am I guaranteed to be issued a Global Citizen policy if I apply?
• Is the quote I receive binding?
• When determining a rate while overseas, what zip code should I use?
• How long will the medical underwriting process take?
• Once I'm approved for coverage do I have to go through medical underwriting again?
• How do I calculate out of pocket expenses and the annual limit?
• How are the deductible and coinsurance calculated for families?
• How do I qualify for maternity benefits?
• Will my policy automatically renew? At what rate?
• When does my coverage end?
• Will my pre-existing condition be covered under a Global Citizen plan?
• How do I access participating medical providers outside the U.S. and avoid claim forms?
• I am based in the U.S.. Can you help me find participating doctors in my hometown?
• I am trying to find a doctor in the U.S. in your network, but there is no one listed within 25 miles of where I am searching. What should I do?
• I am a Canadian citizen planning to move to the U.S. Am I eligible for your Global Citizen plan?
• I live in New York and therefore am not eligible to buy a Global Citizen plan. When will New York be an approved state?
• I purchased an annual plan, but would like to cancel my insurance prior to its expiration. Will I have to pay any cancellation fees?
• Are acts of terrorism covered under this plan?
• How does the optional pharmacy benefit work?
• How are medical evacuation decisions made?
• Is birth control covered?
• Can I add my partner to my Global Citizen policy? Will my partner have to be medically underwritten?
• How can I add an adopted child to my Global Citizen policy?
• What is the Global Citizens Association?
• Where can I read the fine print?

Global Student USA FAQs

• Who is eligible to purchase a Global Student USA plan?
• How do I buy a Global Student USA health insurance plan?
• What is the primary difference between the Global Student USA and Global Student USA Preferred plans?
• Do Global Student USA plans exceed the J-visa requirements for studying in the U.S.?
• How do I access participating medical providers inside the U.S. and avoid claim forms?
• How much will my insurance cost?
• When will my coverage start?
• Will my pre-existing condition be covered under a Global Student USA plan?
• I need proof of coverage in order to sign up for my educational travel plans. What can I do?
• Where does a Global Student USA plan cover me?
• Can my parent register for the HTH Parents website?
• What if I am a dual-citizen of my home country and the United States? Am I still eligible for the Global Student USA plans?
• Will a Global Student USA plan cover me while I am back visiting my home country?
• Do Global Student USA plans cover dependents? Am I able to add a dependent onto my policy?

U.S. Students Abroad FAQs

• Who is eligible to purchase a U.S. Students Abroad plan?
• How do I buy a U.S. Students Abroad health insurance plan?
• What methods of payment are accepted?
• How are medical evacuation decisions made?
• Are acts of terrorism covered under this plan?
• How do claims work outside the U.S.? Do I pay out of pocket?
• How much will my insurance cost?
• When will my coverage start?
• Will my pre-existing condition be covered under a US Students Abroad plan?
• I need proof of coverage in order to sign up for my educational travel plans. What can I do?
• Where am I covered by my US Students Abroad plan?
• Can my parent register for the HTH Parents website?
• Does the US Students Abroad plan cover dependents? Am I able to add a dependent onto my policy?

TravelGap FAQs

TravelGap Single Trip FAQs

• Who is eligible to purchase a TravelGap policy?
• What is the minimum and maximum trip length?
• What methods of payment are accepted?
• How are medical evacuation decisions made?
• Are acts of terrorism covered under this plan?
• What is the difference between the TravelGap Voyager & TravelGap Excursion plans?
• How do I access participating medical providers outside the U.S. and avoid claim forms?
• Will my pre-existing condition be covered under a TravelGap plan?
• How do I read the fine print?
• Will a TravelGap Excursion or Voyager plan cover me inside the U.S.?
• Do I file claims with my primary insurance first?
• I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
• How far in advance do you need to purchase a TravelGap plan?
• I already left on my trip. Can I buy a TravelGap plan when I am outside the U.S.?
• Who is eligible to be on the same TravelGap policy?

TravelGap Multi-Trip FAQ's

• Who is eligible to purchase a TravelGap policy?
• What is the minimum and maximum trip length?
• What methods of payment are accepted?
• How are medical evacuation decisions made?
• Are acts of terrorism covered under this plan?
• What is the difference between the TravelGap Silver & TravelGap Gold plans?
• How do I access participating medical providers outside the U.S. and avoid claim forms?
• Will my pre-existing condition be covered under a TravelGap plan?
• Will a TravelGap Gold or Silver plan cover me inside the U.S.?
• Do I file claims with my primary insurance first?
• I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
• How far in advance do you need to purchase a TravelGap plan?
• I already left on my trip. Can I buy a TravelGap plan when I am outside the U.S.?
• Who is eligible to be on the same TravelGap policy?
• If I am driving across the U.S. border into Mexico or Canada but will be less than 200 miles from home, am I covered?

Trip Protector & Trip Protector Preferred FAQs

• Who is eligible to purchase a Trip Protector policy?
• Why should I buy this insurance?
• Exactly what does the insurance reimburse?
• Doesn't my medical insurance cover me?
• Won't the credit card that I use pay for the trip or the travel supplier reimburse me, if something goes wrong?
• What is the major difference between Trip Protector and Trip Protector Preferred?
• What methods of payment are accepted?
• How are medical evacuation decisions made?
• Are acts of terrorism covered under this plan?
• How do I access participating medical providers outside the U.S. and avoid claim forms?
• Will my pre-existing condition be covered under a Trip Protector plan?
• Does the Trip Protector Plan cover pandemics such as claims resulting from the H1N1 virus?
• Do I file medical claims with my primary insurance first?
• I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
• I already left on my trip. Can I buy a Trip Protector plan when I am outside the U.S.?

Global Navigator FAQs

• Who is eligible to buy the Global Navigator Plan?
• Am I guaranteed to be issued a Global Navigator policy if I apply?
• Is the quote I receive binding?
• When determining a rate while overseas, what zip code should I use?
• How long will the medical underwriting process take?
• Once I'm approved for coverage do I have to go through medical underwriting again?
• How do I calculate out of pocket expenses and the annual limit?
• How are the deductible and coinsurance calculated for families?
• How do I qualify for maternity benefits?
• Will my policy automatically renew? At what rate?
• When does my coverage end?
• Will my pre-existing condition be covered under a Global Navigator plan?
• How do I access participating medical providers outside the U.S. and avoid claim forms?
• I am currently based in the U.S. Can you help me find participating doctors in my hometown?
• I am trying to find a doctor in the U.S. in your network, but there is no one listed within 25 miles of where I am searching. What should I do?
• I purchased an annual plan, but would like to cancel my insurance prior to its expiration. Will I have to pay any cancellation fees?
• Are acts of terrorism covered under this plan?
• How are medical evacuation decisions made?
• Is birth control covered?
• Can I add my partner to my Global Navigator policy? Will my partner have to be medically underwritten?
• How can I add an adopted child to my Global Navigator policy?
• What is the Global Citizens Association?

Insurance FAQ Disclaimer:

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.

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