Visitors Insurance: FAQs
Why should I purchase Visitors Insurance?
The cost of medical care in the United States is continuously rising- faster than inflation or the S&P 500. Outsized medical bills cripple families for years as they struggle to pay off these large medical bills. In order to protect your family for these large financial losses, it is advisable to purchase visitors insurance. We've heard horror stories of visiting families purchasing policies underwritten by foreign companies which don't pay a dime when you need it. If you purchase visitors insurance from a foreign company- we strongly suggest to not waste your money and not buy visitors insurance at all.
Why should I buy from India Network?
Check this out: Why India Network?
There are many plans on this website, how do I know which one is best suited for me?
At India Network, we've developed a Plan Finder tool to help you choose which plan best suits you & your families needs. The Plan Finder asks you a few questions, and shows you recommendations based on your needs.
For more information on plan types to better inform your purchasing decision, check out the following articles:
Can I purchase visitors insurance after my visitor arrives?
We highly recommend you purchase visitors insurance for before you or your visitor arrive in the United States. If you purchase after arrival, the visitor is subject to special underwriting and the policy will not work for a time of 4-5 business days as the underwriter reviews the risk.
Can I purchase this insurance for my parents?
Yes. You are able to purchase insurance on behalf parents, relatives, friends, anyone who is visiting you in the United States.
Is there any prior medical exam needed for this insurance?
No, there is no medical examination needed for any of these short-term travel medical policies. However, we do suggest getting a full check-up from your local doctor before traveling abroad for an extended amount of time.
Why should I buy medical insurance from United States if I can buy it from my home country?
There are several reasons as to why to Purchase Visitors insurance from USA:
At India Network, we suggest if you purchase visitors insurance from a Non-US Company, you are better off not buying any insurance at all.
Will I get better rates if I buy directly from the Provider or from any other website or agent?
Yes and no. Premiums cannot be discounted in anyway to due regulations from state insurance authorities which require insurers to register premiums. This is meant to prevent unfair discrimination. That being said, some group plans are able to offer incentives to purchase insurance. For example, INF plans will provide you a $100 Amazon gift card if you book through their travel agency. Group plans are run by organizations, such as AARP or AAA. In these cases, it is the organization, not the insurance company, providing the benefit to members.
I am not in USA, can I still buy it ?
Yes. Because the application process is completed online, you do not have to be in the United States in order to purchase visitors insurance.
My visitor arrived in the US a few days ago & recently became sick. Can I purchase & use this insurance?
No. Although pre-existing conditions are covered by some plans (such as INF Premier or INF Elite Network), no insurance will cover anyone who is already sick. We highly advise you to purchase this insurance before your visitor comes to the United States.
How do I purchase insurance for multiple people?
If you are applying for more than 1 couple, simply call us at 408-540-3600. We will help you apply for all of your visitors in the most cost effective manner to save on processing fees.
Where is India Network's support & call center?
We are located in the United States and have no offices outside the USA. Our offices are open from 9:00 AM EST to 11:00 PM EST Monday - Friday, and 10:00 AM to 9:00 PM Saturday - Sunday.
You can also reach us at help at kvrao.com if you need immediate assistance.