How Does Visitors Insurance Work?

Once you find the right visitors insurance plan with all the travel benefits you need, you might be wondering, in the case that you have to use any of those benefits, how does visitors insurance work? If anything happens to you while traveling abroad and you seek medical treatment, travel health insurance requires that you take certain steps during the process.

Not knowing how to use your visitors insurance could result in denied claims, so it’s important to have a thorough understanding of the steps you should take when using your visitors health insurance policy. The process of how to use visitors insurance is outlined below.

Visiting a Doctor or Hospital

If you visit a doctor or hospital during your trip abroad, you must bring along your visitors insurance information or the insurance ID card that is sent to you after buying visitor insurance. These you will present to the medical reception staff upon entering the facility.

After seeing the doctor or receiving any necessary treatment, you may be asked for payment as a deductible or co-insurance, but many healthcare providers direct billing instead. If you are asked for payment, be sure to get proof of payment or a receipt.

Obtaining Medical Bills

For any medical treatment you receive, make sure you obtain the bill or that the bill is sent to your insurance company. All itemized services with corresponding medical service codes should be listed on the bill. You will need this for filing claims later.

Purchasing Prescription Medications

If you need to buy medication from a pharmacy while abroad, you will have to pay upfront and file a claim later. You can learn more by reading about how visitors insurance works at pharmacies.

Filing a Claim

When filing a claim for any covered treatment, you will first have to download a claim form. Next, you will need the following documents:

  • Completely filled out claim form
  • Copy of passport, including visa, photo, and entry and exit stamp pages
  • Copy of I-94 if visiting the US
  • Copies of all receipts, medical bills, and itemized services

To learn more about how to file a claim, visit visitors insurance claims

After processing the claim, the insurance company will either approval or deny the claim. If the claim is approved, then the insurance company will make the payment for the claims. The claims process takes time, however; it may take up to 4 to 6 weeks for the insurance company to process and approve the claim.

Once you understand the visitors insurance process, knowing how to use your health insurance becomes much easier. Visitors insurance is meant to make your trip worry-free, so if you have any questions or concerns, you can always contact your medical insurance provider for help during your trip.



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