Visitors Insurance Applications: FAQs
What do I need to complete a visitors insurance application?
Most visitors insurance forms can be completed within 5 minutes. Information you will need to complete a visitors insurance application include:
What is a deductible? Is there a copay?
The deductible is the amount to be paid by the insured individual or their family before any insurance coverage takes effect. For example, if you were to purchase a $100,000 with a $75 deductible, you would be responsible for the first $75. Afterwards, the insurance coverage would take affect and pay accordingly. High deductible plans tend to be less expensive than low deductible plans. We recommend purchasing high deductible plans to protect against major medical events such as heart attack or leg fracture.
What is AD&D and what name should I put for the beneficiary on the application?
AD&D stands for Accident Death & Disbursement- that is coverage for the insured's death as a result of an accident. AD&D Coverage will also provide benefits for loss of sight, hearing, speech, legs, or limbs. The AD&D Beneficiary should be a trusted person to which to insurance company can pay benefits to in the event the of the insured's death.
What are the differences between limited & comprehensive plans?
Comprehensive plans offer higher benefits, although the coverage (medical issues covered by the insurance company) may be the same. Limited plans are fixed in terms of the benefits given for certain medical expenses. Comprehensive plans tend to be a bit more expensive. For more information, visit our article: What is the difference between Limited & Comprehensive Plans?
I made a mistake filling out my application. How can I correct this?
You can either call our office at 408-540-3600 or email us at help at kvrao.com, and we will work with the insurance company to fix any data entry errors you may have entered.
Can I fill my application over the phone?
Yes. One of our licensed insurance agents can fill out any application for you over the phone.
I need to apply for insurance for more then 2 people at once (primary & spouse). How Can I do that?
You will have to fill out separate applications for the individuals. However, you can also call our team at 408-540-3600, and we will handle the tedious application process for you- at no extra cost!