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The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies. VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.
Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website.
Introduction to VisitorsCoverage Travel Insurance
VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don’t have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage’s website as well as manage your policy and adjust your coverage.
You’ll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.
While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn’t field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn’t a major exclusion, but it means you have to conduct additional research for that information, which isn’t ideal for a service that exists primarily to simplify the buying process.
Types of Policies Offered by VisitorsCoverage
VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you’re looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.
It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,
If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you’re traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).
One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers, catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.
Additional Coverage Options (Riders)
VisitorsCoverage has filters that can tailor your insurance search based on your needs. You’ll find specific search functions for the following types of travel insurance:
- AD&D insurance coverage: This provides a lump sum benefit to the insured’s beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
- Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
- Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
- Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It’s ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
- Student visa insurance: Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.
VisitorsCoverage Travel Insurance Cost
The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.
Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.
VisitorsCoverage Customer Service and Support
VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn’t necessarily a reflection on VisitorsCoverage, but the actual insurance provider.
It’s worth noting that VisitorsCoverage’s customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.
How to File a Claim with VisitorsCoverage Travel Insurance
VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it’s no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.
If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don’t have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.
Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.
VisitorsCoverage Frequently Asked Questions
You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at support@visitorscoverage.com. Business hours are from 7: a.m. – 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage’s website chat function.
Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.
VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions.
VisitorsCoverage doesn’t have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.
You can filter your insurance search based on companies that offer adventure activities. You’ll need to conduct your own independent research to see if your particular sport is covered under a particular policy.
Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review
When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.
Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it’s not the travel insurance company, but we reviewed it based on the support provided, its partners’ coverage, etc.
You can learn more about how Business Insider rates insurance products here.
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