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Why are the advantages of purchasing insurance with an American company and not buying it in my native country? |
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It is advisable to have insurance from an American company while in the United States, even if the premium for these plans are more expensive. The reason is that while almost all Doctors/hospitals in the United States accept American insurance company cards, they will be reluctant to acknowledge overseas insurance coverage. The medical office can easily contact an American insurance company for clarification, while the same will not be true for an overseas insurance company.
Typically medical offices in the US will bill directly to known American insurance companies. For overseas insurance companies you most probably will have to pay the bill, and then try to get the claim reimbursed from the insurance company.
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There are so many choices between insurance plans offered by different companies. How do I know what to is best for me? |
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It is precisely to help you make this decision that we built our insurance comparison facility. Using our American Visitor's comparison engine, you can evaluate different plans based on their cost, the deductible and their rating. This will help you identify the plan that best suits for your needs.
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When should I buy the insurance plan? |
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You should purchase the insurance only after being certain of your travel plans (having the passport/visa papers and the airline tickets in order). It is safest to start the insurance coverage from the date of departure from your native country.
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My parents are yet to start their travel, can I purchase insurance for them in their absence? |
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Yes. You can purchase the insurance coverage on behalf of others in their absence. |
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Is the insurance plan refundable should I leave the country during its validity? |
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Some insurance plans do refund money if given enough advance notice, however since travelers insurance is typically for a short duration, they are often not refundable. If this situation is a concern for you, you should look out for insurance plans which are renewable. Such plans are available among the plans listed in our comparison engine. |
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