Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this policy is received. This is your “Effective Date” and begins the trip cancellation benefits. All other coverage begins when you depart on the first travel arrangement for your trip.
Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.
To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your policy. Depending on your choice of policy, qualified reasons could be limited to weather and family emergencies or illnesses, while others allow you to cancel your trip for any reason.
Your credit card or domestic insurance may cover you in some instances, but few plans are as comprehensive as travel insurance. It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered.
The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.
The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.
As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.
Insurance prices are regulated by the government - you won't find a better price on VISITORS ARMOUR insurance plans anywhere else.
Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.
If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit.
VISITORS ARMOUR offers a toll-free number within the U.S +1 (650) 296-8819.
The Claims department encourages all insureds to complete a Claim Form for each new onset of an illness or injury. This process gives VISITORS ARMOUR knowledge that you are receiving medical treatment and allows us to watch for appropriate billing to be filed on your behalf. If you fail to submit a Claim Form and additional information is requested, VISITORS ARMOUR will contact you with an Explanation of Benefits and attach a Claim Form if one is required.
Complete Proof of Claim must be received by VISITORS ARMOUR prior to making any benefit determinations. Proof of Claim is defined within your plan or Certificate of Insurance. Once all information is received, then claims are promptly processed in accordance with industry standards. However, when additional information is required to complete the Proof of Claim, processing will be delayed. The insured will receive an Explanation of Benefits indicating what is needed for further consideration. Failure to comply may result in the insured's claim being closed for lack of response.