Visitors Insurance - Refund Policy

Visitors Insurance - Refund Policy

Visitors insurance is extremely important for persons traveling to the USA as the healthcare costs are very high in the US.

As travel plans routinely change for many visitors, knowing if the visitors insurance plan you purchased has a decent refund policy in case you need to cancel the insurance early can be very comforting.

The exact refund policy will vary by insurance plans, normally though, they fall into one of the categories below:

  • Before effective date:
    • Full refund.
    • Full refund, minus $25 cancellation fee.
  • After effective date, as long as no claims have been filed since the original effective date:
    • Pro-rated refund, minus $25 or $50 cancellation fee.
    • Pro-rated refund or full unused months, minus $25 or $50 cancellation fee.

Exception: Certain plans don't provide a refund before or after the effective date; however some of the plans that don't offer a refund may have unique features that you want or need. If you buy these plans, make sure that your travel plans are firm.

Post Purchase

Once you purchase the insurance, be sure to review all the documents you receive and verify that everything is accurate and what you intended to purchase.

Pay particular attention to the following when reviewing received documents and check:

  • The coverage dates
    Make sure the dates on your policy are the correct dates for your travel plans.
  • Personal details of the insured
    Make sure that the names, date(s) of birth, contact information including the mailing address are correct.
  • The certificate wording
    Read the certificate wording to make sure you understand everything about the policy. The same certificate wording is available even before the purchase of the insurance.

Changes and Corrections instead of Cancellation

Travel plans may change and mistakes happen. If you need to make any changes or corrections to the insurance policy, please log into MyAccount and make a request. If you need immediate changes, don't assume cancellation is your only option, check with us first and we will advise of the best options available. Once your changes to the policy are complete, you will receive updated documents or a confirmation that reflects the changes to the plan.

Wrong Plan or Change of Plans

If you believe that you have purchased the wrong insurance policy or no longer plan to travel before the plan is effective, you can request cancellation by contacting us. Insurance companies understand that plans change or unforeseen circumstances arise and you may need to cancel the insurance.

It is always possible that your plans change after the effective date of the policy as well, if you decide to stay longer, you can easily extend some policies (check before purchasing, not all plans are extendable). However, there are some trips you have to end early; if that happens to you and you chose a plan that offers a refund even if the cancellation is requested after the effective date of the plan then you just need to notify us at lecnac .

For further details on how to request a change, correction, or cancellation, please visit MyAccount.


As most visitors insurance plans provide money-back guarantee as per the terms and conditions listed in its certificate wording, you can confidently purchase visitors insurance.

Did you know?

Prices are regulated by law.

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

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Why buy insurance from Insubuy?

Same Price. Better Service.®

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

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Visiting USA?

Healthcare costs are very high in the U.S.

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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