Visit USA Insurance

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Visitor and Travel insurance

"Most popular insurance site for parents visiting USA"

Visit USA Insurance

Plan pays 90% of first $10,000; then 100%
(In network with direct billing, pays 100%)

Comprehensive coverage plan

Coverage from 5 days to 364 days.

Cancelable

No PPO network. visit any doctor.

Covers within US only. No international coverage.

$10,000 coverage for acute onset of pre-existing conditions

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Visit USA Insurance FAQs

Q1: Who is eligible for Visit USA-HealthCare Plan?

Visit USA-HealthCare is available to Non-U.S. residents while visiting the United States. Coverage is available for the main insured party and spouse; unmarried adult dependent children; or for children traveling alone.
This plan is suitable for business and leisure travelers, international exchange students, tourists, holiday travelers and church or missionary travelers.
The minimum coverage period is 15 days and the maximum coverage period is 364 days.

Q2: Can I renew Visit USA plan?

The Visit USA-HealthCare plan cannot be renewed. However, you may purchase another policy if you find you need additional coverage. Simply re-enroll in Visit USA-HealthCare prior to the expiration date of the first policy. The "Requested Effective Date" should be one day after the first policy's expiration date.

Q3: Can I cancel the Visit USA plan?

Yes, you can . Any refunds are subject to a $25 processing fee. After the plan effective date, only the unused portion of the plan cost will be refunded for members who have no claims.

Q4. What is a deductible? Is the deductible per incident or per policy period?

The deductible is the initial amount that you, the Insured person, pay before the insurance pays for covered expenses. Visit USA-HealthCare's deductibles are per policy period. Once the deductible is met, Visit USA-HealthCare will pay 90% of covered medical expenses up to $10,000, then 100% of reasonable and customary charges up to the plan limit. Visit USA-HealthCare offers a choice of deductibles: $0 , $250, $500, $1000, per Certificate Period. Lower the deductible, the higher the cost of insurance. In addition to the above choice of deductibles, there is also a $250 Emergency Room CO Pay which will be waived if admitted to the hospital. Also there is $50 co-payment, for urgent care service.

Q5. Does this plan cover any pre-existing conditions?

No, Except charges resulting directly from an Acute Onset of Pre-existing Condition up to a limit of $10,000 for person up to age 64, age 65 and over $2500.

Q6: Which doctor or hospital can I go to?

This plan does not have any PPO network. You can go to any doctor of your choice.

Q7: If I need care will I have to pay up front for my medical expenses?

You may have to pay for medical care depending on the medical facility being used. If the medical facility requires payment up front, you then submit a claim for reimbursement, less your chosen deductible. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the Insurance Company's Assistance Service.

Q8: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q9. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q10. When will I receive my ID card?

If you enroll online, your receipt and Confirmation of Insurance will be sent to you instantly to your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to Doctor or hospital.

Q11: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q12: Where can I find the claim information?

Please refer to the following article for the claim process: Visitor Insurance Claim Process

Q13: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section.

If you still have questions, please email us at support@visitorscoverage.com or call our support line toll free: 1.866.384.9104. Business Hours: Mon - Fri 8:30am- 5:30pm PST.

Out-Patient
Dr. / Physician Visit	90% for the first $10,000 100% thereafter
Surgical Treatment	90% for the first $10,000 100% thereafter
Prescription Drugs / Medicines	90% for the first $10,000 100% thereafter
Lab & X-rays	90% for the first $10,000 100% thereafter
Physical Therapy	$50 per visit, 10 visit max
In-Patient
Hospital Room	90% for the first $10,000 100% thereafter
Surgical Treatment	90% for the first $10,000 100% thereafter
Hospital Intensive Care Unit	90% for the first $10,000 100% thereafter
Emergency Services
Ambulance Expenses	90% for the first $10,000 100% thereafter
Emergency Room(ER)	90% for the first $10,000 100% thereafter
Dental
Acute, spontaneous and unexpected pain	$100
Accidental emergency	$1,000
Travel
Emergency Medical Evacuation / Repatriation	$250,000
Return of mortal Remains	$50,000
Emergency Reunion	$15,000
Return of minor Child(ren)	$50,000
Trip Interruption	$5,000
Loss of checked Baggage	$250/Article, $500 Max
Life
AD&D	Under 18: $5,000; 18-69: $50,000; 70-74: $20,000; 75 and above: $10,000. Additional Accidental Death and Dismemberment available ( not available for those 70 and above)
Common Carrier Accidental Death	Accidental Death and Dismemberment coverage is based on age: Accidental Death: Under 18: $5,000; 18-69: $50,000; 70-74: $20,000; 75 and above: $10,000. Additional Accidental Death and Dismemberment available ( not available for those 70 and above)
Other
Pre-Existing Conditions	For Acute Onset of Pre-existing Condition plan covers for $10,000 up to the age 64, age 65 and over, $2500 per Certificate period.
Maternity	Not Covered
General Physical full Checkup	Not Covered
Terrorism Coverage	Covered
Brochure	Visit USA Insurance Brochure
Support
24-Hrs Emergency Assistance	Yes. Contact Number and details can be found on the ID card.


Plan Administrator Company	TIS
Carrier / Underwriter	Lloyd's
Eligibility	Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card can also purchase the plan.
Plan Type	Comprehensive Coverage Plan Percentage based coverage.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Not Covered
Co-Pay	No Co-pay
Co-Insurance	90% for the first $10,000 of accumulated expenses only. 100% covered thereafter Coinsurance will be waived for claims incurred within the PPO if expenses are submitted to Underwriters for review and payment directly to the provider
How the Benefits are Paid	After the deductible, plan pays 90% for the first $10,000 of accumulated expenses; then plan pays 100% to the selected maximum.
Coverage Type	Per policy period
Deductible Type	Per policy period
Renewability	Not Extendable
Cancellation	$25 Cancellation Fee is Applicable. Pro-rated refund is also available after start date if no claims have been made.
PPO Network	No PPO Network
Coverage Length	Min 5 days to Max 364 days
Available Deductibles	Choose From: $0, $250, $500, $1000 per policy period Urgent Care Facility: $50 co-pay
Available Coverage	Choose From: Plan A: $50,000; Plan B: $100,000; Upto Ages 69: Maximum Limited to $100,000 Ages 70-79: Maximum Limited to $50,000 Ages 80+: Maximum Limited to $10,000
Provider Directory	888-647-3105 or 630-766-7731
Plan Brochure	Visit USA Insurance Brochure
Home Country Definition	The country where the covered person has his/her true, fixed, permanent home and principal establishment.
Country Restriction	No Restriction


	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.

Visit USA Insurance FAQs

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support