Ask Our Specialists

1. I have no idea what that rating means as it looks like it is their personal rating. It would be best to ask them to what the criteria is. 2. Yes, absolutely. We as a broker work for you and not for any insurance company. Therefore, we would be glad to help you at any stage of process, even after the sale and at the time of the claim.

No. That is only for medical evacuation. Medical evacuation is the transportation to the nearest place where adequate care can be given.

There is absolutely nothing contradictory on our web site. You might have misunderstood something. Refund is only in case of early cancellation minus the cancellation fee, as long as no claims have been submitted. If you bought the insurance for 2 months and you kept it for 2 months, you have completely used the insurance and therefore there is no refund. (You buy the car insurance for 1 year, and you don't have an accident in next 1 year, do you get the money back? Obviously, not.) I hope that clarifies. You can also our cancellation FAQ at /visitors-travel-insurance/ for further explicit explanation on this. If you have any other questions, please feel free to post them here or contact us at any time. There is absolutely nothing contradictory on our web site. You might have misunderstood something. Refund is only in case of early cancellation minus the cancellation fee, as long as no claims have been submitted. If you bought the insurance for 2 months and you kept it for 2 months, you have completely used the insurance and therefore there is no refund. (You buy the car insurance for 1 year, and you don't have an accident in next 1 year, do you get the money back? Obviously, not.) I hope that clarifies. You can also our cancellation FAQ at /visitors-travel-insurance/ for further explicit explanation on this. If you have any other questions, please feel free to post them here or contact us at any time. right. this is exactly as mentioned in your faq. but when i view this link: /myaccount/?pid=1 is does not mention any "early cancellation" condition???? what exactly does early cancellation mean? As per the above link, i can cancel it at the end of 2 months, provided i have not filed any claim. can you please advise? thanks. I wrote a big and explicit explanation because obvious was not clear to you. We wrote FAQ for cancellation simply because sometimes something obvious to us is not obvious to some customers. It says the same thing everywhere. FAQ explains in explicit language. In Visitors Care, you get the pro-rated refund minus $25 cancellation fee as long as no claims have been submitted. Now, what does "pro-rated refund" mean? That means, whatever duration is left. Now, what does that mean? That means, when you cancel the insurance, whatever duration is left in the total duration of the insurance. If you buy the insurance for 2 monhts, and if you get sick, insurance company pays you money. If you don't get sick (file claim), they deduct $25 and refund the rest to you. This obviously does not make any sense as insurance company would end up paying you in either case. Where will they get money from? You are not buying insurance for $25. I hope it is clear now. I wrote a big and explicit explanation because obvious was not clear to you. We wrote FAQ for cancellation simply because sometimes something obvious to us is not obvious to some customers. It says the same thing everywhere. FAQ explains in explicit language. In Visitors Care, you get the pro-rated refund minus $25 cancellation fee as long as no claims have been submitted. Now, what does "pro-rated refund" mean? That means, whatever duration is left. Now, what does that mean? That means, when you cancel the insurance, whatever duration is left in the total duration of the insurance. If you buy the insurance for 2 monhts, and if you get sick, insurance company pays you money. If you don't get sick (file claim), they deduct $25 and refund the rest to you. This obviously does not make any sense as insurance company would end up paying you in either case. Where will they get money from? You are not buying insurance for $25. I hope it is clear now. if i understood it from the website itself, it could be a posssibility, but unfortunately I can't say the same from your reply. anyways thanks for trying so hard. i didnt intend to have you try that hard (if at all) to reply.

1. You will have to put any children 18 years and above in separate application. You can only include minor children in the same application as their parents, not adults. 2. I recommend that you go through different plans given on our web site, compare them side by side and select the one that you think is the most suitable for you. Of course, if you have specific questions, please feel free to contact us at any time or post the questions here. 1. You will have to put any children 18 years and above in separate application. You can only include minor children in the same application as their parents, not adults. 2. I recommend that you go through different plans given on our web site, compare them side by side and select the one that you think is the most suitable for you. Of course, if you have specific questions, please feel free to contact us at any time or post the questions here. Thanks. I will. Can I take their insurance, once they arrive here? Yes, you can. However, it would be best to buy the insurance before they arrive here, and have the effective date one day in advance of the travel date so that they are covered during travel as well. Yes, you can. However, it would be best to buy the insurance before they arrive here, and have the effective date one day in advance of the travel date so that they are covered during travel as well. Wonderful. Thanks for that tip..I will be in touch.

We have several plans that would meet all the criteria except #2. There is no individual plan available for international student health insurance that would cover pre-existing conditions. The best you can get is 6 months exclusion for pre-ex. Of course, you would be buying the plan now and therefore it is not applicable that the plan has been affect for a long period for waiting period to be eliminitate. The waiting period starts on the effective date.

1. If you renew the policy before it expires, it would be considered as continuous coverage and it would still be covered after you renew it, as long as it was covered in the previous duration. 2. It would be considered as pre-existing condition.