VisitorsCoverage Review

Overview

With more than a million customers in 175 countries, VisitorsCoverage may be an excellent option if you want to compare a wide range of travel insurance policies quickly and conveniently. According to the company’s website, its intuitive quote process enables you to buy coverage in under five minutes. With extremely positive reviews from existing customers, VisitorsCoverage has also won several prestigious industry awards for customer service and innovation.

Suitable For?

As an online marketplace, VisitorsCoverage could be a great choice if you’re keen to compare a wide range of insurance providers with minimum hassle. Likewise, the ability to buy instant coverage also means it could be suitable if you’re booking last-minute coverage.

Features/Highlights

VisitorsCoverage breaks its policies down into two main travel insurance categories:

• Visitors and travel medical - covers medical and travel emergencies while traveling internationally

• Trip insurance- covers delays, missed connections, and cancelations

VisitorsCoverage enables you to compare policies from a range of providers, and the key features of your coverage will depend on the insurance company you choose.

When you’re buying your insurance, you can filter potential policies according to the following features:

• COVID-19 benefits

• Cancelable

• Renewable/extendable (you can add extra days of coverage)

• Acute onset of pre-existing conditions (covers a recurrence of a pre-existing condition while traveling)

• Medical coverage during travel (covers new conditions that may develop during your policy term)

If you’re buying travel medical insurance, you’ll also have the option to select the amount of coverage you need, with options ranging from $10,000 to $1 million.

It is also worth noting that you can purchase both single and multi-trip policies through the site. With a multi-trip policy or annual policy, you can take as many trips as you choose during your policy term. However, the combined length of your holidays usually can’t exceed 30 to 45 days.

In addition to standard coverage, you can include the following add-ons to your plan:

• Cancel-for-any-reason coverage (claim up to 75% of your trip’s cost)

• Rental car coverage

Policy Types and Terms Available

VisitorsCoverage offers access to the following policy types:

• International travel insurance- provides medical insurance during an overseas trip

• Visitor travel insurance - covers overseas visitors to the US for short-term stays

• Europe/Schengen Visa insurance - protects travelers to the 26 countries in Europe’s Schengen Area

• Trip cancelation insurance- available to US residents, this type of protection covers missing baggage, flight delays, and trip cancelations (cancel-for-any-reason options are also available)

• Group travel insurance - offers coverage to groups of five or more 

• Cruise insurance;- available to US residents taking a cruise holiday

• J1 Visa insurance - provides protection to au pairs, exchange visitors, and students

• Student VISA insurance- protection for those undertaking overseas study

• Destination-based policies - choose policies specific to the country you’re visiting

• COVID-19 travel insurance - these policies will reimburse you if you need to postpone or cancel a trip due to COVID-19

Application Process

If you would like to receive a selection of quotes, you can do so through the company’s website. 

After choosing the type of coverage you require, you’ll need to enter information such as:

• Your destination country

• The age of those traveling

• The citizenship/country of residence of those traveling

• Your travel dates

• The date your initial deposit is due

Once you have entered these details, you’ll see a selection of suitable plans, including the cost. 

The process of obtaining a quote is extremely straightforward, with a particularly useful compare feature on their website. This lets you see the key features of different policies side-by-side and make a like-for-like comparison.

How Safe Is It?

VisitorsCoverage has a rating of 4.7 stars on Trustpilot, with 84% of respondents rating it as excellent. Of those who scored the company highly, many spoke enthusiastically about its ease of use and affordable rates.

The company has also received a number of awards within the industry. These include a Business Intelligence Group’s Artificial Intelligence Excellence Award 2022 and an American Business Travel Award for Innovation in Customer Service.

You may also be reassured to learn that quotes on the site are regulated by law, which means you won’t be able to find a cheaper rate elsewhere.

Should you decide to cancel a travel insurance policy purchased through the company, you can do so free of charge. However, be aware that the length of time you have to cancel will depend on the insurer you choose. In most cases, this period is between seven and 10 days.

If you’ve purchased a medical insurance policy, most of the companies available through VisitorsCoverage will let you cancel at any point before your policy becomes effective. You may also receive a partial refund if you cancel during your trip.

Help & Support

You can contact VisitorsCoverage by phone, email, or WhatsApp, or via its online query form. Customer support hours are Monday to Friday, 7am-6pm (PT), and the company states that it will reply to emails within one business day.

Alternatively, VisitorsCoverage offers a chatbot feature, which provides much of the information needed while researching the company.

Once you have purchased your insurance, you can manage your coverage and view your policy documents through your online account.

The website also has a knowledge center, a blog, and a selection of FAQs. The knowledge center contains guides and educational videos on a wide range of travel and insurance-related topics. 

The process for making a claim will depend on the insurer you choose. The company states that it can take between eight and 12 weeks to process a claim. Once your claim has been approved, payment may also take several weeks.

VisitorsCoverage At A Glance

VisitorsCoverage enables you to compare an extremely wide range of travel insurance policies through its sleek and easy-to-navigate website. With quotes on its site being regulated by law, VisitorsCoverage guarantees you won’t find cheaper quotes from its partners elsewhere. In addition to having won a number of industry awards, the company also has excellent ratings from existing customers.

Physical Address

2350 Mission College Blvd

Suite #1140

Santa Clara, California 95054, US

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.