I am not the kind of person who generally post reviews but had a very bad experience with visitors coverage insurance so sharing it here. If I could would rate them 0 stars. We purchased insurance for my parents in October 2017 for both my parents. For 4 months stay we ended up paying $500+ for the insurance. During their stay we had to take my dad to the hospital as he complained about chest pain. We went to the location listed on Tokyo marine which is the vendor under visitors coverage who provided the insurance. So we went to urgent care and they said to take my dad to the emergency hospital so we took him to the emergency hospital. We came back Home later that day. A week later he had the same issue and we ended up doing the same thing except everything was resolved at the urgent care. I got 4 to 5 bills totaling $1000 from the hospital stating my insurance is not paying these bills. I ended up paying everything from my pocket. I am thinking I paid $500 to purchase the insurance and $1000 for hospital bills so why did I purchase the insurance. I submitted these claims to the insurance company and they were rejected. Not to mention had to deal with horrible customer service.