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FAQ’s about Travel Insurance/Visitor Health Insurance/Visitor Medical Insurance

(Read Disclaimer at the bottom)


Are there any age limits for visitor insurance?

Most plans will cover up to any age, with lower limits for ages over 80.

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Are there any discounts when buying visitor health insurance?

We have selected the top most carriers, negotiated the best discounts available and applied them to our site already.
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What if I change my visa status? Does it affect my visitor Medical insurance?

Your coverage would stay the same on most plans however please call our expert office staff who are always willing to help you on the phone or send us a mail.
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Do I need to get a physical exam on my previous medical records for visitor medical insurance / travel insurance?

No, most of our plans are Issued online and you just have to answer a few questions and if approved, coverage can start immediately. Certain Plans for Long Term Coverage may require Medical History and Questions, and are subject to approval.

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Will travel insurance plans cover Baggage Loss and Trip Cancellation?

Yes most of our Programs include Baggage loss, Trip Cancellation, and Emergency Repatriation. (Cancellation is applicable only when a trip cancellation plan is bought. This is not a feature of medical plans).
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When Should I buy the Coverage for visitor health insurance/visitor medical insurance?

Once your trip is confirmed, select the coverage start date to coincide with the date of departure from your home country. Please keep in mind the time difference, since all the plans offered are according to east-coast (EST) times.
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Can I renew the visitor insurance/visitor medical insurance Coverage?

Yes. Inbound Travelers will renew if the option was selected at time of purchase and the initial purchase was for at least a minimum period of 3 months. Laision plan holders can renew monthly on initial purchase. All other plans for Periods shorter than 6 months are non-renewable.

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My Parents are not here can I buy visitor health insurance / travel insurance it for them?

Yes. Anyone can purchase the plans online as proxy on behalf of their family members.

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What If I buy the visitor medical insurance plan for four Months and then leave the country in two months, can I get a refund?

Plans for periods over Six Months or more are refundable with restrictions, with no refund for the first six months’ premium. Due to the nature of the traveler’s insurance, the short term plans are non-refundable. SRI does have a refund policy with $25 as the cancellation charge.

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Do I need to pay the doctor, or will the doctor bill the Insurance Company?

Most Physicians and Hospitals will bill the Insurance Company directly, which will pay the covered approved costs, regardless of who files the claim. If the bill is not mailed to the insured, the carrier will mail some claim forms with the ID cards, so the insured can mail the claims with the medical bills to the carrier and still does not have to pay up-front.

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Can I get immediate visitor health insurance Coverage Online?

Yes. Most of our policy plans can be purchased online, and either you will receive a quick confirmation email and/or you can print the ID card locally upon completion of purchase.

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Can you Fed-Ex my ID Card to me?

Yes, the option is available.

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Can I see any Doctor?

Yes you can visit any Licensed Doctor or Facility. (There is a provider directory for almost all of the medical plans with exception of the Inbound Plan, which is a scheduled fee based plan).

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How soon can I start my visitor health insurance / travel insurance coverage?

Coverage starts midnight after the date of payment received or the date requested which ever comes later.

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I am not sure how long I will stay?

Select the Renewable Option (Available if you buy 3 months or more with Inbound USA Plan or Monthly with Laision International Plan).


Is pregnancy covered under visitor medical insurance?

Only on certain plans after 12 Months of continuous coverage. (There is another plan, which covers maternity but is limited. Inbound Immigrant covers pregnancy up to $2500; if conception occurs 90 days after the effective date).

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I had a Heart Surgery Last Month; can I still get visitor health insurance coverage?

Yes, you can buy the insurance, however pre-existing conditions or any conditions related would not be covered. Then what is covered? That which is not related to the pre-existing condition / conditions. (Read specific Exclusions and Pre-Existing limitations in each Policy, prior to buying any product).

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I will stay for over six Months and need travel insurance or visitor health insurance Plans that may Cover Pre-Existing Coverage, what plans cover Pre-Existing Conditions?

If you are insured under the Risk-Share plan, your pre-existing conditions are not covered. Pre-existing conditions include any injury or illness or mental/nervous condition that existed at or prior to your initial effective date, including chronic, recurring and congenital conditions. (Read specific Exclusions and pre-existing limitations in each Policy, prior to buying any product).

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I would like to know what if the person visits the US as well as some other country during his trip, will he be or not covered for the other country, if he selects option a.

Yes travel will include all over the world other than the insured home country, he can purchase the Home Country option.

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What are pre-existing conditions?

Pre-existing conditions are health conditions which you already received or are receiving treatment for. Pregnancy, AIDS, high-blood pressure and stroke are all forms of pre-existing conditions. Each insurance carrier has its own policies and procedures for pre-existing conditions. Some offer coverage after a waiting period while others totally exclude certain conditions. Having a pre-existing condition obviously puts you at a higher risk for compensation than people without pre-existing conditions, but that doesn’t necessarily mean you can’t get insurance.

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What is HMO?

HMO stands for Health Maintenance Organization. HMO is a company that offers health plans, which provides medical care from an approved network of doctors, hospitals, and pharmacies. The patient needs to pay some set minimum fee per visit. These fees are usually much lower than PPO (Preferred Provider Organizations).

The advantages of HMO:

  • No or very low deductibles.
  • Comprehensive benefits.
  • Preventive care is often good.

The disadvantages of HMO:

  • HMO plan includes only a particular chain of hospitals and doctors.
  • The patient must see doctors within the network.
  • The patient must get permission from the primary physician to see a specialist, or the HMO may not pay for the services.
  • HMO’s often refuse to pay for the emergency visits, if they don’t consider it as a true emergency.

What to do after you get a HMO plan?

Once you’ve signed and received your HMO plan, be sure to read your policy thoroughly and carefully. You should know answers to questions like:

  • Which doctors, hospitals you may see?
  • What procedures are covered and what aren’t?
  • How are emergency visits handled? And what procedure you must follow to get the full coverage?
  • What kind of cases come under emergencies? (As they may deny coverage, if they don’t consider your problem as an emergency.)
  • What is the co-payment cost? (i.e. How much you will have to pay per visit?)
  • Find out the procedure for claims, if any.

What is PPO?

PPO stands for Preferred Provider Organization. PPO allows patients to see a specialist without a referral from a Primary Care Physician. They have a wider range of doctors to choose from. The direct access to specialists is good for people who have chronic illness, or in case of urgent care and emergencies. Patients can get appointments with their preferred specialists as and when required.

Usually, a PPO will pay a greater percentage of the cost for a preferred provider, and less for a non-preferred provider.

Advantages of PPO:

  • Patient can visit any doctor and hospital. They are categorized as preferred and non-preferred providers.
  • PPO covers all preferred providers according to their policy.

Disadvantages of PPO:

  • For all non preferred providers PPO covers only 80% of all the expenses, depending on your insurance company rules. And rest has to be paid by you.

What to do after you get a PPO plan?

  • Always find out which doctors and services are considered preferred and which are non preferred.
  • It is always better to go to the preferred providers, as the PPO plan would give full coverage for them. You will only have to give the co-payment. But for any non preferred provider, your co-payment is quite higher as compared to the preferred provider.
  • Always read your policy very carefully.
  • Find out the procedure for claims, if any.

What is POS?

POS stands for a Point of Service plan, which combines the cost savings of a HMO with the flexibility of a PPO. Find out the details and rules from your medical insurance company.

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What is a Primary Care Physician?

A primary care physician manages your entire health care program. One has to first visit his/her primary care physician for any kind of medical problem. In case you require a specialist, then your physician should refer you to a concerned specialist.

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Can I change my primary care physician?

Yes, one can change his/her primary care physician maximum once a month. But it is always better to stick to one physician. Find out the rules form your insurance company. Normally to change, you will just have to call up the new physician you want to be your primary care doctor, and then inform your insurance company about the change.

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What is a Chart Number?

This is a number given to each patient, it refers to a file which has all the records of your prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference for your doctor. One has to always provide his/her chart number whenever you call or visit a doctor.

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What is difference between Urgent Care and Emergency Services?

Taking appointment for any ailment is a time taking process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers.

Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc.

On the other hand, urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.

** Note: Always make sure from your insurance company as to what situations are treated as urgent and emergency. If possible, it is better to contact your primary care physician in an urgent situation and arrange for your urgent care.

What are Preferred and Non Preferred providers for a PPO plan?

PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians.

PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.

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How do I get medicines from a pharmacy?

Read your insurance company’s manual to find out which all pharmacies are included in your plan. Select the nearest pharmacy to your place. For all prescribed medicines, you will have to pay the minimum fee, and rest will be covered by your insurance. But your insurance won’t cover other medicines, which can be picked directly off the shelf from the stores.

Note: Information provided here is collected from individual experiences and other sources. It may not be accurate. Please verify it before using.

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Where do I find claim forms?

For claim forms regarding the SRI (Specialty Risk) policies, please click here.

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FAQ Disclaimer:

All information provided in these FAQ’s is deemed to be accurate. Due care has been exercised to ensure the veracity of this information and guidelines. However, there may be error (s) and omission (s) and all information is subject to change. and its affiliates do not assume any liability for the information provided herein. The reader is strongly recommended to confirm this information from official sources and asserts that the reader is totally responsible for the use and application of the material provided here. This FAQ service is provided as a courtesy to’s customers and website visitors.
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