OnshoreKare

Q1: Am I eligible for the Visitors Care plan?

The plan is available for non-U.S. residents and non-U.S. citizens traveling to the U.S., for individuals aged 14 days to 99 years

Q2: Which doctor or hospital can I go to?

You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Visitors Care, which is the FirstHealth PPO Network.

You can search for doctors or hospitals in the Provider Directory.

Q3: Does this plan cover pre-existing conditions?

The Visitors Care policy does not cover pre-existing conditions. The plan however does offer coverage for acute onset of pre-existing conditions which is the sudden and unexpected recurrence of pre-existing conditions, for travelers under the age of 70.

Q4: Why is it so much cheaper than the comprehensive plans?

The Visitors Care plan is less expensive than comprehensive plans because it provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q5: What does "Lite', 'Plus" and "Platinum" mean on the plan brochure?

The Visitors Care Lite, Plus, and Platinum are based on the policy maximums.

Q6: How do I file a claim?

Please refer to the following article for the claim process: Visitor Insurance Claim Process

Q7: What does the Visitors Care plan cover, and why is it much cheaper than the comprehensive plans?

The Visitors Care plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q8: How much does Visitors Care cost?

The cost of Visitors Care varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, and selected coverage benefit limits. Typically, it can cost about $2 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.

Q9: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q10: Why are there state restrictions, and how will it affect me if I visit those states?

Each insurance company may have state-specific regulations on where their plans can be sold, affecting only residents of those states. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period

Q11: Can I extend the Visitors Care plan?

Yes, you can can extend this plan, before the policy expires. The policy can be extended at a increment of minimum 5 days to maximum of 12 months at one time. You can extend the policy for a maximum of 24 months.

Q12: Can I cancel the Visitors Care plan?

Yes, you can cancel this plan. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if there is a claim on file.

Q13: Can I cancel only one person from the policy?

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

Q14: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q15: When will I receive my ID card?

After purchasing the plan, you will receive a digital copy of the ID card via email. You may print out the ID card if you would like a physical copy.

Q16: Does Visitors Care cover coronavirus?

Visitors Care can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Q17: Why do my policy documents only list one destination country?

Only the primary destination will be listed on the policy documents, but all eligible countries will still be covered during the policy period.

Q18: When does my coverage start and end on my travel medical insurance plan?

Travel medical insurance coverage begins on the departure date when the traveler leaves their home country. It applies anywhere outside the home country while the policy is active. Coverage ends immediately upon the traveler's re-entry into their home country.

Q19: Will my Visitors Care plan be extended/renewed automatically?

The Visitors Care plan does not renew automatically. If you need additional coverage days, please log into your account to request an extension or renewal before the policy expiration date. Not all plans can be extended or renewed, so please check your policy terms and conditions for eligibility.

Q20: Does the Visitors Care plan cover for the coronavirus vaccine/boosters?

The Visitors Care plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Q21: Does the Visitors Care plan cover for coronavirus testing?

Visitors Care will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Q22: Does the Visitors Care plan provide quarantine coverage?

The Visitors Care plan does not offer any coverage for quarantine.

Q23: What is a Deductible and how often do I need to pay it?

Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for the Visitors Care plan is once per policy period, whether you go to the doctor for the same or different medical situations. The maximum policy period for the Visitors Care plan is 12 months. For continuous coverage, without break, for up to 12 months, the deductible would be one time. The Visitors Care Policy however, can be renewed up to a maximum of 24 months. If you renew the plan beyond 12 months, a new deductible would apply.

For example:If you initially purchased the plan for 3 months, and renew it before it expires for another three months, you would not need to deal with the deductible, if you have already satisfied in the first three months of coverage. After 12 months of continuous coverage, if you still need to renew the policy, a new deductible would apply.

Q24: How does the Deductible work in Visitors Care Plan?

The Visitors Care Plan pays a limited fixed amount for every service and treatment. The policy maximum is just the outer limit. The deductible for limited plans is deducted from the fixed benefit amounts, and not the amount that the provider's charge.

For example: For a doctor's visit for a $50,000 policy maximum, the plans pays up to a maximum of $55. If you choose a $50 deductible, then for the first doctor's visit, the Plan would pay (eligible amount $55- $50 deductible)= $5, irrespective of the amount that the providers charge. Since the deductible is one time in the policy period, after this the plan would a fixed dollar amount for every covered service and treatment, based on the schedule of benefits.The maximum policy period for the Visitors Care Plan is 12 months. The deductible would reapply again, if you continue to renew the plan, even after 12 months of continuous coverage.

Q25: I want to purchase insurance for multiple visitors. Should I purchase separate policies for each or can I include everyone on the same one?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q26: Can I purchase the policy after I arrive at my destination?

Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.

Q27: Why do corrections take 3-5 business days and can't be a quick fix?

The insurance provider recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.

Q28: Where can I find answers to other questions I have?

Learn more from informative articles at Visitor Insurance Information section.

Q29: My credit card expired how do I receive my refund?

If your original payment method is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.