GENERAL INDUSTRY STANDARDS
- No overseas operation outside the home country of the sellers beyond brand licensing for call centers in multiple countries.
- No direct communications with the healthcare providers other than request to verify the cost of healthcare billed to the insurance plan buyers.
- No direct payment to the healthcare providers that the insurance plan buyers wish to use.
- Between 2 weeks and 4 weeks of processing time after claim for the past expenditure associated with the healthcare costs that had incurred and were paid.
- Sold coverage does not increase affordability of healthcare services beyond the accessible funds by the insured patients at the time of necessity, making the their products Cost Recovery Insurance products that will help patients to receive reimbursements for cost of some of the treatments received rather than Healthcare Insurance products that will help patients to receive treatments when needed.
| Insurance Seller | Website | HQ Country | Role | Reimburse or Pay | Avg Claim Processing Time |
|---|---|---|---|---|---|
| VisitorsCoverage | visitorscoverage.com | US | Broker | Reimburse | 2–4 weeks |
| SafetyWing | safetywing.com | NO/US | Direct Seller | Reimburse | ~1 month |
| WorldTrips (Atlas) | worldtrips.com | US | Direct Seller | Reimburse | 4–6 weeks |
| Allianz Travel | allianztravelinsurance.com | DE/US | Direct Seller | Reimburse / Direct (limited) | 1–6 weeks |
| InsuBuy | insubuy.com | US | Broker | Reimburse (via insurer) | Varies by insurer |