Q1: Who may purchase Visit USA-HealthCare Insurance?
A: International visitors who come to the U.S. for pleasure, business or study and new immigrants to the U.S. may purchase
Visit USA-HealthCareT.
Q2: May I purchase Visit USA-HealthCare if I am already in the U.S.?
A: Yes. You may enroll in Visit USA-HealthCare regardless of how long you have been in the U.S.
Q3: May I purchase Visit USA-HealthCare by telephone?
A: No. You may enroll online with our Secure Online Enrollment Form or mail or fax your completed Printable Enrollment Form
to us.
Q4: Will proof of insurance be mailed to me?
A: Yes. After your Enrollment is processed, your Certificate of Insurance will be mailed to the U.S. address specified on your
Enrollment Form.
Q5: I need coverage to begin as soon as possible. Can my Visit USA-HealthCare policy go into effect the day I enroll?
A: No. However, your policy can go into effect as early as one day after you submit your Enrollment online, provided you
correctly complete your Online Enrollment and correct payment is received.
Q6: When I purchase with the online enrollment form, how will I know that you have accepted my purchase?
A: We will confirm your purchase by sending an email to you.
Q7: May I renew my policy if I extend my stay in the U.S.?
A: No. However, you may purchase another policy if you find you need additional coverage. Simply re-enroll in Visit
USA-HealthCare prior to the expiration date of the first policy. The "Requested Effective Date" should be one day after the
first policy's expiration date.
Q8: If I need care will I have to pay up front for my medical expenses?
A: You may have to pay for medical care depending on the medical facility being used. If the medical facility requires payment
up front, you then submit a claim for reimbursement, less your chosen deductible. While not a guarantee, payments for large
expenses such as Emergency Medical Evacuations are typically coordinated and paid by the Insurance Company's Assistance
Service.
Q9: What is a deductible? Is the deductible per incident or per policy?
A: The deductible is the amount that you, the Insured person, pays before the insurance pays for covered expenses. Visit
USA-HealthCare's deductibles are per policy period. Once the deductible is met, Visit USA-HealthCare will pay 80% of covered
medical expenses up to $5000, then 100% of reasonable and customary charges up to the plan limit. Visit USA-HealthCare
offers a choice of deductibles: $250, $500 or $1000. The lower the deductible, the higher the cost of insurance and vice versa.
Q10: What is my out-of-pocket maximum for covered expenses?
A: The maximum an Insured would have to pay out-of-pocket for covered expenses is the chosen deductible ($250, $500 or
$1000) and 20% of covered expenses up to $5000, plus expenses that exceed the plan limit.
Q11: May I go to any doctor or hospital if I need care?
A: Yes. However, Visit USA-HealthCare uses a very large Preferred Provider Network called MultiPlan, Inc.. Network doctors
and hospitals charge pre-negotiated rates which help to keep your total medical expenses below the insurance's benefit
limit. Your benefit limit will not be reduced if you choose to be treated outside the network.
Q12: Is a network provider located in my area?
A: Most likely. For a complete listing of MultiPlan, Inc. participants please visit MultiPlan, Inc. , or phone them at 800-672-2140.
Q13: What is a beneficiary?
A: A Beneficiary is the person or persons who receives the Accidental Death and Dismemberment (AD&D) benefit if the
Insured dies in an accident while insured under the policy. The Insured will automatically be the Beneficiary for any insured
spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.
Q14: Does Visit USA-HealthCare cover pre-existing conditions?
A: No. A Pre-Existing Condition is defined by the policy as, "any injury or illness which was contracted or which manifested
itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance."
See Visit USA-HealthCare's complete list of exclusions.
Q15: Is it safe to purchase Visit USA-HealthCare Insurance online?
A: Yes. We work closely with our programmers to keep our forms on a highly secure ordering environment so you can enroll
in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring
information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code,
which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our
site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning
of the page address (URL) will change from "http" to "https", to let you know you are in a secure area. Also, a key or a closed
padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure
zone for the entire purchase process.
Q16: If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
A: Yes. You may cancel your insurance prior to your effective date and receive a premium refund, less a $20 processing fee.
Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Certificate of
Insurance to Travel Insurance Services.
Q17: Will I receive a partial refund if I return home before my policy expires?
A: No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable.
This is noted in the Enrollment Agreement when you purchase online. Refunds are permitted only before coverage starts (see
question #15).
Q18: After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?
A: Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence,
please include a daytime phone number and reference your Online Order Transaction number.
Contact Us
If the correction results in an increase in premium, please submit check or credit card payment by fax or mail. When sending
credit card details, please include the number, expiration date and a note authorizing Travel Insurance Services to charge the
additional amount.
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