American Visitor Insurance - Frequently Asked Questions

• Why should I buy vistor medical insurance with you?
• What are the differences between comprehensive and fixed or scheduled benefits plans?
• Can you explain with an example my expenses for different types of insurance plans?
• Why are the advantages of buying travel insurance with an US insurer as opposed to buying it in my native country?
• There are so many choices of insurance plans offered by different companies. How do I know which plan best fits my needs?
• When should I purchase the visitor health insurance plan?
• My parents are yet to start their travel, can I buy insurance for them in their absence before they arrive here?
• Are these insurance plans refundable if the travelers cancels the policy?
• What proof will I have of having purchased these visitor medical insurance plans?
• How do I purchase visitor medical insurance? When does the insurance take effect?
• Can I buy insurance for only part of my parents visit to the US?
• Is this insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months?
• What is the minimum time period for which I can buy an insurance policy?
• What is the maximum time period for which a policy can be purchased ?
• What does AM rating signify, how are insurance companies rated?
• Do I need a Social Security number to purchase visitor insurance?
• Can I visit any doctor or hospital, or am I limited to a specific list of medical practitioners?
• How do I find out which doctors/hospitals are part of a given Preferred provider organisation (PPO) network?
• How do I get pre-certification before getting healthcare services?
• Should I pay the medical facility up front and then get reimbursed or will the insurance company be billed directly?
• What is a deductible?
• What are the different types of deductibles?
• I made a mistake in the application while buying the insurance, what should I do now?
• What is co-insurance?
• Can same-sex partners purchase a policy if they could put themselves down as "spouse" whether legally married or not as the application forms assume one male and one female?
• Can people who live together (maybe man and woman) who are legal domestic partners but not married sign up for a policy together or should they get separate policies?
• How do you define dependents?
• Can I purchase a plan if I visit my country of citizenship, when my country of residence is different from my country of Citizenship?
• Is it safe to buy visitor health insurance online?
• Who/What is the AD&D Beneficiary ?
• Are there any medical tests required before buying the insurance?
• What is the Policy Period?
• Should I buy a combined policy for both my parents or separate individual policies for them?
• When I buy a policy for more than one person, I am asked for only one passport number. Don't you need the passport number of all applicants?
• Is it possible to renew my insurance plan?
• Does the insured need to have a medical examination before buying the plan?
• What is the meaning of UC & R ?
• What are pre-existing conditions?
• What is a PPO network?
• What are Preferred and Non Preferred providers in a PPO plan?
• What are the advantages of a PPO network?
• What should we do in the event of an injury or illness that demands immediate medical attention?
• What if I have an accident during hazardous recreational activities?
• What if I become pregnant or acquire a sexually transmitted disease while traveling?
• Will the insurance protect me if I am injured or sick due to any illegal activity?
• Does the insurance cover me for cosmetic surgery?
• What is the difference between Urgent Care and Emergency Services?
• What are the short term visitor insurance options for US citizens living outside USA while visiting USA?
• What are the insurance options available for older travelers?
• Should I buy visitor insurance before my parents reach USA, or after their arrival here?
• What are the differences between Liaison Continent, Liaison Majestic, Liaison International and Liaison Worldwide plans?
• What are the differences between Inbound USA, Inbound Guest and Inbound Immigrant plans?
• What are the differences between Round Trip, Round Trip Choice, Round Trip Economy and Round Trip Elite plans?
• What are the differences between Reside Worldwide and Reside Prime plans?
• What are the differences between Patriot Travel, Patriot GoTravel, Patriot Platinum and Patriot Green Plans?
• What are the differences between Diplomat America and Diplomat Longterm plans?


Compate visitor insurance plans
International Student Health Insurance FAQs
• What are the eligibility requirements for buying International Student Health Insurance?
• Are dependents of student's (F2 visa) eligible for coverage?
• Can I buy student medical insurance if I am already outside my home country?
• How will I get insurance policy document?
• How soon can the insurance coverage start?
• My school requires an Insurance compliance form or a Waiver form to be completed as proof of my insurance. Can you do this for me? What should I do?
• Can I renew my policy if I extend the duration of my studies?
• Can I go to any doctor or hospital, or am I limited to my school's Student Health Center or a preferred provider network?
• Is there a network provider available in my area?
• How will I receive care at an In-Network hospital if there are no Network providers in my area?
• Will this policy cover me if I travel outside the U.S.?
• Does this plan cover pre-existing conditions?
• Does this plan cover pregnancy?
• What should I do if I want to change the policy start date after I have completed my online application?
• Can I get student insurance during my OPT period ?

US Student Medical Insurance FAQs
• How does the Student Select medical Insurance satisfy the needs of college students?
• Am I obligated to buy the plan if I fill an insurance form from your site?
• As a parent, should I purchase a student insurance plan for my child, or cover them through my medical plan?
• Who can buy the Student select health insurance?
• Can I purchase student insurance for family members (spouse and dependents)?
• Are there any network of hospital limitations?
• Do I need authorization for using the healthcare services?
• Does the student insurance provide coverage throughout the year, or is it only during the school term?
• Will I be covered when I go out of state?
• What happens if I transfer schools?
• Will I lose coverage when I graduate or if I leave school?
• When should I apply for student insurance?
• When does my student coverage start?
• How many times can the student insurance plan be renewed?


compare student medical insurance plans
• Do I need a specific travel protection plan if I have a credit card that includes travel insurance?
• What do you mean by International Travel Medical Insurance? Why do I need it?
• Will the travel/trip insurance plan cover Baggage Loss and Trip Cancellation?
• How are these travel insurance companies rated?
• What is meant by Pre-Existing Medical Conditions?
• What is the Pre-Existing Condition Period?
• What is a deductible?
• Can I purchase travel insurance for my friend, relative or employee online?
• When will my travel insurance cover become effective?
• Can I buy Flight Accident policy if I have already started my trip?
• Does this travel insurance cover cancellation of a trip due to the death of a close family member - even if the family member is not part of this trip?
•  I did the travel bookings on my own and not through any agency. Can I insure this trip?
• What is the latest date for me to purchase travel insurance?
• When is the best time to buy travel insurance?
• I booked part of my vacation, but not the main flight. I would like to buy insurance within the pre-existing condition exclusion waiver period. Should I wait till the flight is booked?
• I currently am on medication for high blood pressure? Is this considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance bought within 'x' days from the first trip payment?
• Does the Pre-Existing Condition period apply if I bought the insurance within the required time frame and do I qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance plans that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I evaluate the total trip cost?
• When will my coverage kick in?
• I did not receive my travel insurance policy document yet. What should I do?
• Can I cancel a policy I bought? Do I incur a penalty?
• I made a mistake in the application while buying the insurance, what should I do?
• Which policies protect me if my trip is cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave which prevents my travel?
• Can non US citizens buy these travel insurance plans?
• Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
• Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
• Is it possible to insure the house or condo rental?
• What is meant by financial default coverage?


compare trip/travel plans
• What are Pre - Existing Conditions?
• What are the Pre - Existing Coverage options available for visitors?.
• Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions by the different insur ers who offer visitor insurance ?
• Are there any medical tests required to buy pre exisiting visitor insurance?
• Can you suggest any insurance that will cover pre-existing conditions irrespective of the costs concerned for this coverage?
• My father suffers from blood pressure and needs to take medications daily. Will the cost of these medicines be covered under visitor medical insurance ?
• Why we have to buy insurance if the main treatments are not covered under pre-existing medical condtions?
• My father-in-law is in the US and suffers from diabetes and he needs a treatment. Will the insurance company pay costs for sending back to native country in order to undergo pre-existing conditions treatment?
• Which are the plans that cover Pre - Existing conditions?
• My mother suffers from a heart treatment and I would like to bring my mother to the USA to get her medical treatment done. Will these medical costs be covered under visitor medical insurance?
• Is pregnancy covered under pre-existing conditions?
• Can I invite my parents to the US if they have pre-existing conditions. What are my options in this situation ?
• Once in a week my father-in-law needs to go for kidney dialysis. Will these medicines costs be covered under visitor medical insurance?
• How do insurance companies find out whether pre-existing conditions covered or not covered?
• My mother-in-law had a heart attack 5 years back. If she again gets heart related problems, will that be covered under visitor health insurance?
• My grand father is coming to the US next week to undego some medical tests ? Will visitor insurance cover the expenses for this?
• My parents are visiting the United States. If a health emergency arises suddenly because of a pre-existing condition and they need health care, will these medi cal costs be covered under visitor medical insurance?
• My relative was suffering from kidney dialysis. She has already got her the required treatment in India. However we would like to get a medical check up done for her in the US. Will the medical tests be covered under pre-existing conditions?
• Why should I worry about pre-existing conditions?
• Why should I bother getting insurance if pre-existing conditions are not covered?
• Can I get pre-existing conditions covered?
• Are some illnesses excluded from coverage?
• While my visitor is with me, I would like to take him/her to a doctor to check his condition. Will that be covered? Can it be covered? I will pay extra to have this covered.
• My visitor requires regular checks for his/her condition. Will this be covered? Can it be covered?
• My spouse and I are thinking about having a baby, can I get insurance to cover the birth and child?
• Do Seven Corners Inbound USA/Guest/Immigrant plans cover acute onset of pre-existing conditions?


compare pre-existing plans
Which are the plans that have coverage restrictions for travelers or students for in Maryland?
Atlas AmericaVisitor SecureStudent Secure
LIMITATION: The above plans are not available to individuals who are physically located in the state of Maryland at time of purchase.

Visit USAWorldmedStudy USA
LIMITATION: If physically located in Maryland, you are prohibited to purchase the above plans.

Patriot AmericaVisitors CarePatriot PlatinumPatriot Adventure
LIMITATION: Due to regulatory changes in Maryland, we cannot process your request because you provided a Maryland address. You will need to enter an address outside of the state of Maryland in order to receive fulfillment by mail or online.

Inbound USAInbound ImmigrantInbound ChoiceLiaison ContinentLiaison MajesticLiaison Student
NOTE: Liaison International does not offer coverage for MD or WA and residents of Puerto Rico
LIMITATION: Correspondence Address must be a US Address. We are currently not able fulfill applications with a Correspondence Address in Maryland


Which are the plans that have coverage restrictions for travelers or students in Washington?
Atlas AmericaVisitor SecureStudent Secure
LIMITATION: These plans are not available to individuals who are physically located in the state of Washington at time of purchase.

Visit USAWorldmedStudy USA
LIMITATION: If physically located in Washington, you are prohibited to purchase these plans.

Inbound USAInbound ImmigrantInbound ChoiceLiaison ContinentLiaison Majestic
NOTE: Liaison International does not offer coverage for MD or WA and residents of Puerto Rico
LIMITATION: Correspondence Address must be a US Address. We are currently not able fulfill applications with a Correspondence Address in Washington.


Which are the plans that have coverage restrictions in Kentucky?
Inbound USAInbound ImmigrantInbound ChoiceLiaison ContinentLiaison Majestic
LIMITATION: Correspondence Address must be a US Address. We are currently not able fulfill applications with a Correspondence Address in Kentucky.


Which are the plans that have coverage restrictions in New York?
Atlas AmericaVisitor SecureStudent Secure
LIMITATION: These plans are not available to individuals who are physically located in the state of New York at time of purchase.

Visit USAWorldmedStudy USA
LIMITATION: If physically located in New York, you are prohibited to purchase these plans.


Which are the plans that have coverage restrictions in Australia?
Atlas AmericaVisitor SecureStudent Secure
LIMITATION: These plans are not available to individuals who are physically located in Australia at the time of purchase.


Which are the plans that have coverage restrictions in Canada?
Atlas AmericaVisitor SecureStudent Secure
LIMITATION: These plans are not available to individuals who are physically located in Canada at the time of purchase.

Visit USAIntermedicalWorldmedStudy USA
LIMITATION: If physically located in Canada, you are prohibited to purchase these plans.