VisitorsCoverage is a travel insurance broker that connects popular travel insurance companies to travelers, simplifying the process by showing you all available options, saving users time and money.
Business Insider compared VisitorsCoverage to the best travel insurance companies and found it to be a solid way to compare travel insurance policies. It doesn't offer the same variety as its competitors, but offers a more dedicated customer service experience.
VisitorsCoverage Travel Insurance Pros and Cons
VisitorsCoverage Travel Insurance Pros
- Zero Complaint Guarantee
- Streamlined comparison platform
- Responsive customer service
VisitorsCoverage Travel Insurance Cons
- Not as many partnered travel insurance companies
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- Diverse travel insurance plans for solo and group travelers
- Offers medical insurance for US visa holders for up to two years
- Offers plans designed for missionaries and international volunteers
- VisitorsCoverage does not underwrite or service travel insurance plans
- Claims experiences may vary widely based on which carrier you buy your plan from
Compare VisitorsCoverage Travel Insurance
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- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
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- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, baggage loss, and trip delay coverage
- Optional "adventure activities" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers Essential, Advantage, Ultimate, and Travel Med Go options. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
VisitorsCoverage Travel Insurance Overview
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.
VisitorsCoverage Travel Insurance Plans and Coverage
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 and manage your plan 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).
However, VisitorsCoverage partners with the fewest number of providers compared to its closest competitors, SquareMouth and InsureMyTrip. VisitorsCoverage partners with just 15 insurance companies.
However, VisitorsCoverage also offers travelers to filter their searches with less common travel scenarios such as policies for non-U.S. residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.
Additional Coverage Options with VisitorsCoverage (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
Using VisitorsCoverage as a traveler doesn't add any extra costs to your policy. You'll pay the same amount you would've if you bought a policy directly from the provider's website.
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.
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.
VisitorsCoverage Travel Insurance 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 4.5 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. Responses also directly address any issues the reviewer has, instead of boilerplate, copy-and-paste messages that companies often use to respond to their customers.
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 Travel Insurance Alternatives
VisitorsCoverage vs. Squaremouth
SquareMouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to VisitorsCoverage's 15 companies. Additionally, VisitorsCoverage doesn't have a customer reviews section, so travelers must find that information elsewhere.
That said, VisitorsCoverage is very responsive to customer reviews on Trustpilot and Google Maps, which SquareMouth is not. It seems to provide better customer service support.
Read our SquareMouth travel insurance review.
VisitorsCoverage vs. InsureMyTrip
InsureMyTrip's offerings are more comprehensive than VisitorsCoverage's, offering policies from 25 travel insurance providers, compared to VisitorsCoverage's selection of 15 providers.
However, VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.
Read our InsureMyTrip travel insurance review.
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 travel insurance products.
FAQs
How do I contact VisitorsCoverage travel insurance?
You can contact VisitorsCoverage travel insurance 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.
Does VisitorsCoverage offer travel insurance for international travelers?
Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.
Can I get coverage for preexisting medical conditions with VisitorsCoverage?
VisitorsCoverage allows you to filter your search to only include policies that cover preexisting medical conditions.
How user-friendly is the claim filing process with VisitorsCoverage?
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.
Does VisitorsCoverage travel insurance offer adventure activities coverage?
Yes, VisitorsCoverage offers policies with adventure activities coverage and travelers can filter their search for this coverage. You'll need to l your policy to see if your specific activity is covered.
Partner offer: Find the best travel insurance policy for your needs and avoid costly surprises. Learn more about travel insurance here.
