Why should I buy Visitor insurance? is it really important?

Medical care in USA is extremely costly. Traveling abroad without a medical insurance could be very expensive in case of any illness, accident or any other health related problem. Taking insurance can definitely protect you from high expenses.

Those who are familiar with USA medicare system, can certainly understand the importance of Medical Insurance in this country.

I am not in USA, can I still buy it ?

Yes you can buy online no matter where you are located.

How soon can I have the policy in effect?

Its instant the policy can come in effect immediately. Basically the start date you choose will govern the policy.

What information is required for the person/persons you buy the insurance for?

You need the following information about the person/persons:

1. Date of birth. and 2. Passport number.
(if buying for more than one person, then passport number of any one person who is referred as primary applicant will do)

Is there any medical test required before we can buy the insurance?.

No, there is no medical test required, you can buy it any time and instantly.

Can I buy Insurance for my parents/relatives?

YES! you can.
You can buy for any one you wish, your friends, or relatives.

When should I purchase the insurance, once the visitors arrive in USA or before that?

You should purchase once the person get the visa and decides on traveling.
Choose the coverage start date same as the journey start date.

I want to buy insurance for my parents should I buy a combined policy or a separate policy for each of them.

Either way is OK.

If you want to buy different plan for them you can buy different plans.

If you want to buy same plan for both of them you can buy separate policy or a combined policy. No matter whether you buy separate or combined policy in any case the cost is going to be same.

What is the proof of buying a policy? Will I get an ID card ?

YES ! if you are buying online you get a "Virtual ID card" ready to be used immediately. Take a printout of that. You also receive it in your email. A Paper Copy of ID card will be delivered to your mailing address along with all other instructions and documents.

How to use this insurance?

Read this article on detailed information on usage and process of the policy with example:
Plan Usage: How to use the policy

What doctors/ Hospital can I go ? Where and what is the provider list ?

Generally you can go any Doctor, but for the maximum benefit you should prefer going to the Network( Provider Directory) recommended by the Plan.
You can find provider Dr and Hospital in the "Provider Directory" for a particular plan. Refer the Provider Directory given against each plan on the insurance main page.

How can I renew the policy ?

Not all policies or plans are renewal.

If you have policy either Inbound, Travelers Liberty or Liaison from SRI you can renew online here : policy Renew Online

Is the insurance plan refundable, If I want to cancel It before its validity?

Some plans do refund money if you give 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, consider buying renewal plans which are renewable example : Liaison is monthly renewal plan so at the end of month you can renew it.

What are the pre-exiting conditions? How insurance companies determine these conditions?

Generally High Blood pressure, Diabetes, AIDS, Pregnancy and any such physical problems which can't be considered to be occurred overnight comes under pre-existing conditions. However each insurance company have their own definition, hence it is advised to read more about it before buying a particular plan.

What is considered Pre-Existing Conditions?
Any Injury, Illness or medical condition (s) which meets any of the following criteria will be considered as a Pre-Existing Condition (s): a) condition (s) that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under the Policy; 2) condition (s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed prior to the Effective Date of coverage under the Policy.

Who determines if it is a Pre-Existing Condition?

Why Pre-existing conditions are not covered by the insurance plans?

Travelers/Visitor insurance plans are short terms plans, if they start covering pre-existing conditions they will end up paying much more then they get from the premium and can't run their business profitable.

Why should I purchase insurance if it does not cover pre-existing conditions?

Medicare and health services costs in the USA are very high . The costs can be financially devastating especially in case of any emergency or accident and hospitalized. Visitors insurance is a means to insure against such unanticipated medical emergencies and should not be viewed as a means to get medical treatment to existing medical problems.

AM best rating? What are they and what they tell ?

A Best's Rating is an independent third-party evaluation organization, providing benchmark for comparing insurers, regardless of their country of domicile. ( www.ambest.com)
A.M. Best ratings are independent opinions, based on a comprehensive quantitative and qualitative evaluation, of a company's balance sheet strength, operating performance and business profile.

They are not a warranty of a company's financial strength and ability to meet either its obligations to policyholders or its financial obligations.

The rating you might have seen in plan brochure or on this website denoted as a alphabetical letter like "A"B"C" etc and +/- signs. These are Best's Financial Strength Rating(FSR).

Note: Any plan with A ratings are good. We at path2usa list only A plans.

Can I add my parents or in-laws to my health insurance?

No, You cannot add your parents in your domestic health insurance plan; however, you can purchase a visitors insurance plan for them.

Can I add my relatives (brother or sister) to my health insurance?

No, You cannot add them in your domestic health insurance plan; however, you can purchase a visitors insurance plan for them.

Am I legally responsible for my parent’s hospital bills?

You may legally responsible for your parent’s hospital bills. As a sponsor , you may have submitted affidavit for financial responsibilities. Please read this article for more information :
http://www.path2usa.com/news/usVisa-134-sponsors-liabilities.htm

I want to bring my Parents/relatives to US for medical treatment, is there any insurance?

Unfortunately none.
, The visitor’s health insurances are short term insurances and only cover the conditions that start after the insurance policy becomes effective. Therefore, any existing condition that needs treatment is the insured’s reasonability.

I have travel insurance from India, Can I renew it here? Or buy a new Policy in USA?

Insurance from India or from your home country, can be only renewed by whom you purchased it from. Most of the policies are not renewal.
You can purchase a new policy in the USA before or after your arrival. Get Quote and Buy online here.

Will I get better rates if I buy directly from the Provider? or from any other website or agent?

No, you can't get any better rates then you find here at Path2usa.com.
The insurance premiums on our website come directly from the health insurance carriers and powered by VisitorsCoverage.com. The rates you get here are the same as those offered by other insurance agents, brokers or by the provider.

Unlike others, Path2usa.com provides you with unique and authentic information, knowledge and all the necessary tool to understand, compare and select the best plan suitable for your need.

Millions trust Pathusa.com so can you !
You can always trust Path2usa.com for its customers oriented services.

I have a specific question to be asked, Can you help me.

Please call : 1- 866-384-9104 and speak an licensed insurance agent for immediate assistance.
Or write : support@VisitorsCoverage.com