Visitor Insurance: How to use Your Insurance, File Claims, Get a Refund/Cancellation, & Ask for Support
How can I use my visitors insurance?
For information on how to properly use your visitors insurance policy, please visit our article: How to Use Your Visitors Insurance
How soon will coverage start?
Policies become effective on your chosen start date. Most policies can start as soon as the next day. This means if you purchase the policy today, coverage will start as soon as tomorrow.
Which doctors / hospitals can I go to? Is there a providers list?
Most visitors insurance plan do not have a specific network of doctors & hospitals. This means you have the freedom to choose where you want to seek medical care. That being said- there are visitors insurance plans which work with PPO Networks. If you choose to go to an in-network provider, your insurance will be accepted & you can take advantage of cashless claims. For a providers list, please visit our Doctors & Hospitals page.
Do I get any receipt of purchase or an ID card?
Once you purchase your chosen visitors insurance policy, an email containing your ID card, as well as other pertinent information will be sent immediately. Moreover, within 5-7 business days, a physical copy of the ID card and / or certificate of insurance will be sent to your mailing address listed on the policy.
Can I renew my visitors insurance policy?
Not all visitors insurance policies have an option to renew. Please visit our Renewals page in order to determine if the policy you have chosen to enroll in allows for renewals.
How can I cancel / get a refund?
Most visitors insurance companies allow you to cancel the insurance policy before the effective date and will refund you the premium, minus a fee. Only a few visitors insurance companies will provide a refund after the effective date- and only if you have not filed any claims.
Most visitors insurance plans require some sort of pre-authorization, the exception being INF Plans (for example, the INF Premier Plan). Pre-authorization means you need to call the insurance company to use the insurance you have paid full premium for. That being said, for minor medical events, such as a doctor visit or urgent care clinic visits, pre-authorization is often not needed.
How does the claim process work?
After recieving treatment for a medical condition, we highly recommend filing a claim with the insurance company. Even if you have a comprehensive program & directly billing, by filing a claim with the insurance company they know you will have used the insurance. Filing a claim creates a record for the insurance company, allowing them to properly track the payment of the claims. Please visit our Claims page for more information on how to file a claim.
How soon will my claim be paid?
Claims will be processed once the correct paperwork has been submitted. Paperwork includes itemized bills for medical care, as well as other identifying information of the patient. The sooner claims are properly submitted, the sooner you get your claim paid. INF Plans will pay 100% of eligible claims within 6 weeks, whereas other plans take anywhere between 60 - 90 days to process claims.
Should I pay the & get reimbursed or will the hospital bill insurance directly?
Depending on type of insurance policy you purchase will determine if you need to pay up front or if you can take advantage of "cashless claims." If you purchase a plan with a PPO network and visit an In-Network provider, you will most likely not have to pay for your medical costs upfront. The health care provider will directly bill the insurance company. This saves you time, money, and headache of fronting the insurance company the cost of your medical services. If you purchase a plan which does not a PPO network, you may have to pay the doctor/hospital first, and file a claim.