How does VisitorSecure Insurance Plan Works?

VisitorSecure is a limited coverage plan, which means that it pays a fixed, pre-defined amount amount per incident, per person. For example, if you visit a doctor, your plan might only reimburse you for a portion of the amount of the doctor visit depending on how much the policy covers for a doctor visit. You are responsible for paying the rest of the bill amount that exceeds the amount covered by the policy.

When you use your VisitorSecure Insurance policy, you must pay the deductible before the plan begins to pay for covered expenses. Only after the deductible is satisfied will the policy begin paying for covered benefits.

Once you have received a treatment or service, the healthcare provider will either send the bill directly to the insurance company, or you will be required to pay upfront and file a claim for reimbursement later.

For coverage within USA:

First: You satisfy accumulated medical expenses until your deductible is met.
Then: Insurance pays fixed amount per eligible medical service as outlined in the benefit table below, up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Visitor Secure Insurance brochure for complete details.


Plan A
($50,000 policy)
Plan B
($75,000 policy)
Plan C
($100,000 policy)
Plan D
($130,000 policy)
Dr. / Physician Visit $60 per visit, 10 visits maximum $75 per visit, 10 visits maximum $90 per visit, 10 visits maximum $115 per visit, 10 visits maximum
Surgical Treatment $3,300 per session $4,400 per session $5,500 per session $7,150 per session
Lab & X-rays $450 maximum, plus $250 for one CAT Scan, MRI or PET $475 maximum, plus $375 for one CAT Scan, MRI or PET $500 maximum, plus $500 for one CAT Scan, MRI or PET $650 maximum, plus $600 for one CAT Scan, MRI or PET
Hospital Room $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days $2,000 per day, maximum 30 days $2,585 per day, maximum 30 days
Plan A
($50,000 policy)
Plan B
($75,000 policy)
Dr. / Physician Visit $60 per visit, 10 visits maximum $75 per visit, 10 visits maximum
Surgical Treatment $3,300 per session $4,400 per session
Lab & X-rays $450 maximum, plus $250 for one CAT Scan, MRI or PET $475 maximum, plus $375 for one CAT Scan, MRI or PET
Hospital Room $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days

Note:

-Deductible is per incident, which means you pay the deductible for every new medical problem for which you go to the doctor or hospital.

-Policy maximum is the overall limit the insurance will pay per policy period. The limits mentioned in the above limits are applicable per policy period.

Visit Any Doctor or Hospital

Since VisitorSecure Insurance is a limited coverage plan, there is no PPO Network. In this case, you may visit any doctor or hospital when seeking treatment with your VisitorSecure policy. After you receive the treatment, the doctor or hospital will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later.