How Does Visitors Insurance Work?


How does visitors insurance work? What does visitor insurance cover? Millions of tourists visit the United States every year; some come to visit iconic sites the U.S. is known for and many others are invited by their relatives to come and visit them. As healthcare costs are extremely high in the U.S., it is highly recommended and necessary to purchase B2 visa health insurance for the entire duration of the trip. Many people have questions about how visitors insurance works because they have not purchased visitors insurance or any short term health insurance before. Luckily, visitors insurance foreign visitors to the U.S. isn't complicated. Read on to learn more. 

Purchase Process

  • On our website , you enter your search criteria, such as: age, coverage dates, etc., then you will see all the eligible products, including the details for each plan and their prices. You may also compare plans side by side.

    You can also call our office and any of our licensed agents will be glad to assist you.

  • You can make an instant purchase online or over the phone by contacting our office. You will need the following to complete your purchase: your visitors name, date of birth, passport number (some products) and travel dates. No other documents (like medical records) are required.
  • Insurance can start as early as the next day, or any future date you specify.
  • You will receive an email confirmation, including their insurance ID card, immediately. Many products also mail a physical ID card.


Claims Process

  • In-network Claims:

    When you visit providers in the PPO network, they will generally bill the insurance company directly and also charge you the network negotiated fees for eligible expenses. Please make sure to mention the PPO network to them and show your insurance ID card.

  • Out-of-network Claims:

    When you visit a provider outside the PPO network, it is up to them whether to bill directly or not. If they demand payment upfront, you will have to file a claim for reimbursement.

  • Doctor Office Visit:

    If you have purchased a visitor insurance plan that participates in a PPO network, be sure to mention the PPO network name when scheduling an appointment. Try to give the insurance details ahead of the time. In any case, make sure to present your insurance ID card at the time of the visit.

    If the doctor does not want to bill directly, pay upfront and file a claim for reimbursement.

  • Urgent Care:

    Urgent care centers are like walk in doctor offices and they may be able to do several tests as well. They are generally open for longer hours, such as evenings and weekends. Please present your insurance ID card at the time of the visit.

  • Hospital or Emergency Room:

    Most hospitals tend to bill the insurance company directly. If your plan participates in a PPO network, it is preferable to visit the hospital or emergency room that participates in the PPO network.

    You should visit an emergency room only for true emergencies as most plans have restrictions or penalties for improperly using an emergency room.

  • Pre-Certification:

    Some visitors insurance plans have pre-certification requirements. That means, before getting any major treatment or procedure done, you will have to call the insurance company (phone number listed on the back of your ID card) and let them know about it.

  • Pharmacy:

    There is no PPO network in any visitors insurance plan for pharmacies. Therefore, you will have to first pay out of pocket, and file a claim for reimbursement.

    Some plans include a Rx discount card that you can use for discounts on prescription medications; the card can also be used to receive a discount for prescription medicines that treat pre-existing conditions.

  • Claim:

    A claim form is not only for reimbursement. Even if the provider bills directly, you need to complete the claim form. Claims Process

At any point of time if you have any questions or need help, (before, during or after purchase) please feel free to contact us, as we work for you, our customer.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More