Insubuy Insurance

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Q 1. Who may purchase Visit USA-HealthCare Insurance?

Visit USA-HealthCare is designed for Non-U.S. Citizens and Non-U.S. Residents traveling to the United States. The maximum coverage period is 364 days.


Q 2. May I purchase Visit USA-HealthCare if I am already in the U.S.?

Yes. You may enroll in Visit USA-HealthCare regardless of how long you have been in the U.S. However, the maximum period of coverage is 364 days.


Q 3. May I purchase Visit USA-HealthCare by telephone?

Yes! You may enroll online with our Secure Online Enrollment Form, mail, e-mail, or fax your completed Enrollment Form with payment. You can now telephone your enrollment by calling (866) INSUBUY.


Q 4. How will proof of insurance be sent to me?

Your receipt and Confirmation of Insurance will be emailed to you once processed. If you enroll online, your receipt and Confirmation of Insurance will be sent to you instantly!


Q 5. I need coverage to begin as soon as possible. Can my Visit USA-HealthCare policy go into effect the day I enroll?

No. However, your policy can begin as early as the day after you submit your enrollment form and payment online.


Q 6. When I purchase with the online enrollment form, how will I know that you have accepted my purchase?

After enrolling you will see a page that begins with "Thank you for purchasing Visit USA-HealthCare Insurance." You will also receive an email receipt and a PDF Confirmation of Insurance to the email address you specified during enrollment.


Q 7. May I renew my policy if I extend my stay in the U.S.?

The Visit USA-HealthCare plan cannot be renewed. 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.


Q 8. If I need care will I have to pay up front for my medical expenses?

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.


Q 9. What is a deductible? Is the deductible per incident or per policy?

The deductible is the amount that you, the Insured person, pay 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 90% of covered medical expenses up to $10,000, then 100% of reasonable and customary charges up to the plan limit. Visit USA-HealthCare offers a choice of deductibles: $50, $250, $500 or $1000. The lower the deductible, the higher the cost of insurance. In addition to the above choice of deductibles, there is also a $250 Emergency Room Deductible which will be waived if admitted to the hospital.


Q 10. What is my out-of-pocket maximum for covered expenses?

The maximum an Insured would have to pay out-of-pocket for covered expenses is the chosen deductible ($50, $250, $500 or $1000) and 10% of covered expenses up to $10,000, plus expenses that exceed the plan limit.


Q 11. May I go to any doctor or hospital if I need care?

Yes - you may go to any licensed health care provider.


Q 12. What is a beneficiary?

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.


Q 13. Does Visit USA-HealthCare cover pre-existing conditions?

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 two years prior to the effective date of this insurance." See Visit USA-HealthCare's certificate wording for a complete list of exclusions.

However, it covers acute onset of pre-existing conditions up to some extent, which varies by age.

Q 14. Is it safe to purchase Visit USA-HealthCare Insurance online?

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.


Q 15. If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?

Before effective date: full refund. After effective date: Pro-rated refund as long as there are no claims field since the effective date. There is a $25 cancellation fee.


Q 16. Will I receive a partial refund if I return home before my policy expires?

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).


Q 17. After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?

Please contact us at (866) INSUBUY