Travel can be exhilarating, but it can also be rife with unexpected disasters. From canceled trips to medical emergencies and even rental car mishaps, the list of potential travel pitfalls can be daunting. That’s where travel insurance platforms like VisitorsCoverage come to the rescue. In this comprehensive review, we’ll explore VisitorsCoverage to help you find the most affordable and suitable travel insurance coverage for your needs.

Why You Need Travel Insurance

Picture this: you’re planning a trip, whether for a relaxing vacation or an extended business venture abroad. While the excitement builds, it’s crucial to remember that certain unforeseen circumstances can throw a wrench into your plans. In some countries, proof of international insurance is even required for entry.

The good news is that various companies now offer comprehensive coverage for both U.S. citizens and non-U.S. citizens alike. The challenge often lies in finding the right insurance plans tailored to your unique requirements. This is where VisitorsCoverage steps in as a valuable resource.

Unpacking VisitorsCoverage

What is VisitorsCoverage?

VisitorsCoverage is a trailblazer in the insurance industry, founded in Silicon Valley back in 2006. As a member of the U.S. Travel Insurance Association (UStiA) and a licensed insurance broker, it boasts credibility and expertise.

To simplify, VisitorsCoverage is akin to the Expedia of travel insurance plans. Just as Expedia is not an airline or hotel chain but a platform for booking flights and accommodations, VisitorsCoverage is a third-party site designed to help travelers discover the best visitor insurance and travel insurance coverage options, all consolidated in one place.

Rather than embarking on a time-consuming quest through individual insurance company offerings, VisitorsCoverage provides an efficient questionnaire that guides you towards the perfect insurance choices for your specific needs. Once you’ve pinpointed the ideal coverage, you can seamlessly make your purchase directly through the VisitorsCoverage website.

Review Methodology

We understand that using any online service, especially for something as critical as medical insurance, can be a nerve-wracking experience. In this review, we aim to offer a comprehensive overview of VisitorsCoverage, delving into its services and ease of use. Our goal is to equip you with the knowledge necessary to determine if it’s the right fit for your travel insurance needs.

VisitorsCoverage Features and Products

VisitorsCoverage offers an extensive array of insurance options, catering to U.S. citizens, residents traveling abroad, and non-U.S. citizens planning to visit the United States. For first-time buyers, it’s crucial to discern the differences between the types of plans available.

Product Offerings

Upon entering the VisitorsCoverage website, you’ll encounter several categories to choose from. The initial section introduces various types of Visitors & Travel Medical Insurance:

  1. Visitors Insurance
  2. International Insurance
  3. Worldwide Health Insurance
  4. Missionary Insurance
  5. Business Insurance
  6. Group Travel Insurance
  7. Europe/Schengen Visa Insurance
  8. Multi-Trip Insurance

Further down, you’ll find a range of travel insurance options designed to safeguard you against disruptions during your journey. These plans cover last-minute trip cancellations, delays, lost luggage, and other unforeseen hiccups. If you encounter unexpected circumstances necessitating changes to your plans, you can file a claim to recoup expenses that would have otherwise been nonrefundable. Additionally, many trip insurance policies cover incidents like lost passports or damaged luggage.

VisitorsCoverage also extends its coverage to specific situations, including students, au pairs, and individuals on work or travel visas, both for non-U.S. citizens and U.S. residents.

Navigating the Options

VisitorsCoverage simplifies the process of understanding each insurance product by providing in-depth explanations. For instance, if you’re curious about international travel insurance, clicking the “Learn more” link will unveil a clear breakdown of its purpose and importance.

A quick checklist of benefits is available towards the end of the page, summarizing what the insurance entails. If international travel insurance aligns with your needs, clicking on “view plans” reveals a variety of options within this category. Each coverage option comes with details about the insurance company, policy offerings, and plan rating.

VisitorsCoverage’s website also facilitates customization of insurance plans. You can specify preferences such as limited or comprehensive coverage, coverage for pre-existing conditions, COVID-19 benefits, and whether the coverage includes or excludes the USA. Comparing up to three different insurance plans side by side is made simple with the site’s intuitive interface.

Simplifying the Search

For those new to the world of travel insurance, VisitorsCoverage offers a helpful questionnaire. Suppose you’re a 35-year-old traveler without pre-existing conditions seeking health insurance coverage for an upcoming trip to France. In that case, you can select the “Visitors and Travel Medical Insurance” option on the VisitorsCoverage homepage.

Subsequently, you’ll specify your destination country, additional countries you plan to visit, your age, home country, country of residence, and travel dates. If you’re traveling with others, you can enter their information as well. Once completed, the site will filter and present your best insurance options.

Furthermore, you can fine-tune your insurance plans by selecting specific coverage types, minimum coverage amounts, and more. The ability to compare up to three different insurance plans simultaneously provides an in-depth look at your choices.

When you’re ready to make a decision, you can purchase your chosen policy directly from the VisitorsCoverage site. Rest assured that the prices listed on the website are identical to those you would find if you purchased the plan directly from the provider. Additionally, you’ll create a VisitorsCoverage login during the payment process, granting you access to manage your policy details and documents conveniently.

Resource and Customer Support

VisitorsCoverage goes the extra mile by offering a wealth of resources to familiarize first-time customers with various visitor insurance and travel insurance options. You can purchase medical insurance from VisitorsCoverage at any time, although it’s essential to note that your coverage will only apply to new medical conditions.

The resources provided include informative articles geared toward both non-U.S. citizens and U.S. residents traveling abroad. You can also explore different types of coverage through a series of educational videos. If you have questions or need assistance with claims, VisitorsCoverage offers support via chat, email, or phone. You can even contact customer service to cancel most medical insurance policies before coverage begins for a full refund. However, please note that trip insurance plans can only be canceled under specific circumstances after a free look-back period.

Exploring Alternatives

While VisitorsCoverage excels in simplifying the search for insurance providers, it’s essential to consider how it stacks up against the competition. The platform boasts an excellent TrustPilot rating of 4.7/5 stars and holds an A+ rating from the BBB (though it is not yet accredited). Although there are some complaints found on less reputable websites, overall reviews for VisitorsCoverage have been positive. You can also explore the site’s various rewards and qualifications on their official website.

Competitors to VisitorsCoverage include similar platforms like Insubuy and World Nomads. While there may be fewer customer reviews available for Insubuy, the company is accredited and holds an A+ BBB rating. Insubuy offers similar options to VisitorsCoverage, along with additional coverage such as fiancé visa insurance, marine crew health insurance, hazardous sports insurance, vision and dental plans, kidnap & ransom insurance, and short-term and group domestic insurance.

On the other hand, World Nomads, an Australian-based travel and visitors insurance company, specializes in covering over 200 extreme sports. However, it holds a lower TrustPilot rating of 3.7/5 stars. While World Nomads may suit certain travelers, its insurance offerings are not as comprehensive and flexible as those available on VisitorsCoverage.

Pros and Cons

To provide a quick overview, here are the pros and cons of using VisitorsCoverage to secure travel or visitor insurance for your upcoming journeys:


  1. Offers a wide range of options, from trip cancellations to comprehensive medical insurance coverage.
  2. Provides choices for both non-U.S. citizens and U.S. residents.
  3. User-friendly search filters and questionnaires simplify finding the right options.
  4. Offers plans with coverage for the acute onset of pre-existing conditions during travel.
  5. Partners with reputable insurance companies like Seven Corners, Atlas Travel Insurance, United Healthcare, Patriot Insurance Company, and more.


  1. Some users may find the abundance of options overwhelming.
  2. Experiences may vary based on the chosen insurance provider since VisitorsCoverage is a third-party site.

Category Ratings

Here’s a breakdown of VisitorsCoverage’s ratings in key categories:

Ease-of-Use: 5/5 VisitorsCoverage offers a plethora of options, which might be overwhelming for first-time users. However, the site is designed to direct customers to the best plans for their needs efficiently.

Features: 5/5 First-time users benefit from a comprehensive breakdown of coverage options and a user-friendly questionnaire that guides them to the most relevant policies. The site’s filtering and comparison options streamline the process, and its resource section provides valuable tools to address questions about different insurance products.

Customer Service: 4/5 VisitorsCoverage offers multiple customer service options, including chat, email, and phone support. Based on reviews, customers generally seem satisfied with the services provided. However, it’s worth noting that phone support is available only from Monday to Friday, which could pose a challenge for travelers in different time zones or those in need of immediate assistance.

Value for Money: 5/5 While VisitorsCoverage may not necessarily lead to cost savings, you’re unlikely to find lower prices elsewhere. The site lists coverage options at the same prices you’d encounter through any other insurance provider or broker. It’s essential to understand the billing process of medical insurance plans, as it can vary depending on the chosen healthcare facility.

Final Thoughts

In conclusion, VisitorsCoverage is a reputable company that offers health and trip insurance plans for travelers. While it is not an insurance provider itself, it functions as a licensed insurance broker. The VisitorsCoverage website serves as a centralized platform for comparing plans from various providers, making it a convenient choice for travelers seeking insurance coverage.

VisitorsCoverage streamlines the process of finding the right insurance, ensuring that you and your family are adequately protected in case of injuries or illnesses abroad. In addition to medical insurance, it simplifies coverage for expenses related to trip cancellations, luggage mishaps, and other unexpected obstacles.

Before selecting a policy, it’s crucial to read through the details to ensure that it offers the comprehensive coverage you require. In essence, VisitorsCoverage is a legitimate and valuable resource for travelers seeking peace of mind during their journeys.

So, if you’re planning your next adventure, don’t overlook the importance of travel insurance. VisitorsCoverage can help you navigate the complex world of insurance options, ensuring that you’re well-prepared for whatever unexpected twists your journey may bring.