Visitors insurance, Student insurance, J1 Visa Insurance, Schengen Visa Insurance, Trip insurance, answers to frequent questions

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Visitor Insurance FAQs

• What are the differences between a comprehensive plan and a fixed benefits plan?
• Can you explain by means of an example my expenses for different insurance plans?
• Why are the advantages of purchasing insurance with an American company and not buying it in my native country?
• There are so many choices between insurance plans offered by different companies. How do I know which plan is best for me?
• When should I buy the insurance plan?
• My parents are yet to start their travel, can I purchase insurance for them in their absence?
• Is the insurance plan refundable? Should I leave the country during its validity?
• What is the proof of my purchasing insurance?
• How do I purchase the insurance? When does the insurance take effect?
• Can I purchase insurance for only part of the stay of my parents in the US?
• Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months?
• What is the minimum duration for which I can buy an insurance policy?
• What is the maximum duration for which a policy can be purchased ?
• How are the insurance companies rated?
• Do I need to have a Social Security number to complete the form?
• Can I go to any doctor or hospital, or am I limited to specific list of medical practitioners?
• How do I find out which medical practitioners are part of a given insurance network?
• What is the procedure to get pre-certification ?
• Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?
• What is a deductible?
• What are the different types of deductible?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• What is co-insurance?
• Is it safe to purchase insurance online?
• Who/What is the AD&D Beneficiary ?
• Are there any medical test required before purchasing the insurance?
• What is the Policy Period?
• Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?
• When I buy the 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 policy?
• Does the insured need to have a medical examination?
• What is the meaning of UC & R ?
• What are pre-existing conditions?
• What is a PPO?
• What are Preferred and Non Preferred providers for a PPO plan?
• What are the advantages of having a PPO network?
• What is POS?
• What is a Primary Care Physician?
• Can I change my primary care physician?
• What happens in the event of an injury or illness that demands immediate medical attention?
• What happens in the event of an accident during hazardous recreational activities?
• What if I become pregnant or acquire a sexually transmitted disease while traveling?
• What coverage do visitor insurance plans offer for dental care?
• My parents have already been in the US for six months, and I want insurance for three more months. What insurance plans are available for me?
• Will the insurance protect me if I become injured or sick due to participation in unlawful behavior?
• Will the insurance cover me for cosmetic surgery?
• What is the Chart Number?
• What is the difference between Urgent Care and Emergency Services?
• What are the short term visitor insurance options for US citizens living outside USA for visiting the USA?
• What are the insurance options for older travelers?

Students Medical Insurance FAQs

International Student Health Insurance FAQs

• What are the eligibility criteria for purchasing International Student Health Insurance?
• Are dependents of student's eligible for coverage?
• May I purchase Student insurance if I am already studying outside my home country?
• Will proof of insurance be mailed to me?
• How soon will the coverage begin?
• My school requires an Insurance Compliance Form or a Waiver Form to be completed as proof of my insurance. Can you complete this form for me? What should I do?
• May I renew my policy if I extend my stay in my country of study?
• May I go to any doctor or hospital, or must I use my school's Student Health Center or a preferred provider from Study USA-HealthCare's network?
• Is a network provider located in my area?
• How will I receive care at In-Network level if there are no Network providers in my area?
• Will my Study USA-HealthCare policy cover me if I travel outside the U.S.?
• Does Study USA-HealthCare cover pre-existing conditions?
• Does Study USA-HealthCare cover pregnancy?
• What should I do if I want to change the policy effective date after I have submitted my Enrollment online?

Can I get insurance during my OPT period ?

US Student Medical Insurance FAQs

• How does the Student Select medical Insurance satisfy the needs of college students?
• If I apply for an insurance plan from your site, am I obligated to buy?
• As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
• Who can purchase the Student select health insurance?
• Can I purchase student insurance for family members (spouse and dependents)?
• Are there any network coverage limitations?
• Do I need authorization for availing healthcare services?
• Does the student insurance provide coverage throughout the year, or just 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 coverage begin?
• How many times can the insurance plan be renewed?

J-1/J-2 Visa Insurance FAQs

• What is a J-1 visa?
• What are the insurance requirements specified by the department of state to maintain the J1 or J2 visa status?
• What will happen if I do not comply with the insurance requirement?
• Who is a "visiting foreign scholar?"
• What is the procedure for bringing a visiting foreign scholar to the US?
• What is a"DS-2019?"
• Can one transfer a J-1 visa sponsor?
• Can a visiting scholar come with a visitor's visa?
• Can a visiting scholar receive remuneration?
• How long can a visiting scholar stay in the US?

Europe Travel / Schengen Visa Insurance FAQs

• What are the insurance specifications that the consulates require for issuing the Schengen Visa?
• How many countries are covered under Schengen Visa?
• Which are the twenty five Schengen countries?

Trip / Travel Insurance FAQs

• Do I need a specific travel protection plan if I have a credit card that includes travel insurance?
• What is meant International Travel Medical Insurance? Why do I need it?
• Will the travel insurance plan cover Baggage Loss and Trip Cancellation?
• How are the insurance companies rated?
• What is meant by Pre-Existing Medical Condition?
• 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 insurance coverage become effective?
• Can I purchase a Flight Accident policy if I have already departed on my trip?
• Is there travel insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip?
• I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip?
• What is the latest date I can purchase travel insurance?
• When is the best time to purchase travel insurance?
• I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
• What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance purchased within 'x' days from First Trip Payment?
• Does the Pre-Existing Condition period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance policies that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I determine the total cost of the trip?
• When will my coverage become effective?
• I did not receive a copy of my travel insurance policy in the mail yet. What should I do?
• Can I cancel a policy I purchased? Do I incur a penalty?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave?
• Can citizens of countries other than the U.S. purchase travel insurance?
• 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 rental of a house or condo?
• What is financial default coverage?

Pre-existing Coverage FAQs

• 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?

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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Dear AmericanVisitorInsurance, American Visitor Insurance provides quick and professional service. It really has been excellent and a welcome change from the "service" that most corporations provide these days. Best regards M.M
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