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?
• 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?


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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?


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• 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?


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• 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?


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