Visitor Travel Insurance Prescription Drugs Benefits in the U.S.

Are Prescription Drugs Covered by Visitors Insurance?

Yes. Most international and visitor medical insurance plans cover prescription drugs for an eligible new illness or injury. Coverage depends on your plan type:

• Comprehensive plans — Prescriptions are usually covered under the overall policy maximum.
• Fixed-benefit plans — Prescription drugs may have a separate sub-limit.

There are no copays for prescriptions; instead, one deductible applies to all services, including medications.

Can I Use Any Pharmacy in the U.S. with My Visitor Insurance?

Yes. You can visit any licensed pharmacy such as CVS, Walgreens, Walmart, Costco, or other local pharmacies. Pharmacies in the U.S. do not directly bill visitor insurance, so you must:

• Purchase the medication
• Collect your receipts and prescription
• File a claim for reimbursement

This is the standard process for all visitor insurance plans, including those purchased through American Visitor Insurance.

Why Do I Have to Pay Upfront at the Pharmacy?

Most U.S. pharmacies cannot bill visitor travel insurance directly. This means you need to pay for your medication upfront at the time of purchase.

Afterward, you can submit a claim to your insurance provider along with your receipt and prescription to get reimbursed. This is the standard process for all visitor insurance plans, including those offered by American Visitor Insurance, and ensures you still receive coverage for eligible medications.

How to Use a Prescription Discount Card?

Here's how it works for domestic insurance, however this is typically not available with travel insurance plans:

• Show the discount card at participating pharmacies.
• Pay the discounted rate
• Submit a claim for reimbursement for the amount you paid (if the drug is covered).

What Are the Steps for Filing a Pharmacy Claim?

• 1. Buy Your Medicine and Save Your Documents : When you pick up your medication, keep the itemized pharmacy receipt and a copy of the doctor’s prescription. The receipt must show the drug name, dosage, quantity, price, and purchase date. The prescription must be from a U.S.-licensed doctor. These documents are required for your claim process.
• Fill Out the Claim Form : Download the claim form from your insurance company’s online portal and fill in your personal details, policy information, pharmacy details, purchase date, and medication information. If you purchased your plan through American Visitor Insurance, our team can help you find the correct form.
• Submit Your Claim : Send the completed claim form, the pharmacy receipt, the prescription copy, and proof of payment. Include your bank details if you prefer direct deposit. Claims can be submitted by email, mail, or fax, depending on the insurer’s instructions.
• Processing and Reimbursement : Once your insurer receives your documents, they will review the claim, confirm coverage, apply any deductible or coinsurance, and issue reimbursement. Processing usually takes 30–60 days. You will receive an Explanation of Benefits (EOB) showing what was approved or denied.

Note : Always keep copies of all documents for your records, and submit your claim as soon as possible to avoid delays. Over-the-counter medicines and pre-existing prescriptions are usually not covered, so check your policy before purchasing

What to Do If a U.S. Pharmacy Doesn’t Accept Your Travel Insurance?

If a pharmacy in the U.S. doesn’t accept your travel insurance card, you can still get your prescription covered. Most visitor insurance plans allow you to pay upfront for your medication and then submit a claim for reimbursement. To ensure your claim is approved, keep the pharmacy receipt, prescription, and any doctor’s notes, and follow your insurer’s instructions for filing. Checking your policy beforehand for coverage limits and required documentation can help avoid delays or claim denials.

What are the Prescription Coverage Exclusions?

Visitor travel insurance doesn’t cover everything at pharmacies. Common exclusions include:

• Pre-existing conditions: Routine medications or refills for chronic illnesses
• Over-the-counter and preventive meds: Vitamins, supplements, and wellness drugs
• Non-emergency prescriptions: Elective or non-urgent treatments
• Documentation issues: Claims without receipts or prescriptions may be denied.
• Coverage limits: High-cost or specialty drugs may have restrictions.

Tips : Always check your policy and keep receipts to ensure your claim is approved.

Prescription Drugs Insurance for Pre-existing - FAQs