Visitors Care Insurance

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Visitor and Travel insurance

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Visitors Care Insurance

Plan pays fixed amount
Basic coverage, low cost, less benefits (Review limits)
Coverage from 5 days to 12 months.
Renewable and Cancelable
No PPO network, visit any doctor
Not available for purchase in Maryland(MD) state.

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Visitors Care Insurance FAQs

Q1: Am I eligible for the Visitors Care plan?

If you are a Non - U.S. citizen travelling outside your home country, you are eligible for this plan. For people over 65, this plan must be purchased within 30 days of arrival in USA. This requirement is waived with proof of previous valid insurance. The minimum coverage period is 5 days and the maximum coverage period is 12 months.

Q2: Can I renew the Visitors Care plan?

Yes, you can renew your coverage in an increment of 5 days or more up to 2 years. However one policy period may not exceed 12 months.Ã??Ã?Â For each renewal there is a $5 fee. Policy can be renewed online.

Q3: Can I cancel the Visitors Care plan?

Yes, you can cancel this plan. If you request for cancellation of the plan, before the effective date you will receive complete refund and if you cancel the plan after the effective day, you will receive a pro-rated refund for the unused portion of the plan, minus a cancellation fee( $25 Cancellation Fee ), provided you have not submitted a claim.

Q4. What does the Visitors Care plan cover? Why is it so much cheaper than the comprehensive plans?

The Visitors Care plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q5. What is Deductible how does it work?

Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for this type of plan is per policy period.

For example: If you initially purchased the plan for 3 months, the deductible is applicable only once for this period irrespective of number of incidents. Upon renewal the deductible is applicable again.

Q6: Does this plan cover any pre-existing conditions?

Yes, the Visitors Care policy offers optional additional coverage for pre-existing conditions related to heart with extra premium. This additional coverage covers Stroke or Myocardial Infarction (Heart Attack) while the insurance is effective.

up to $5000 in people who are under 70 years
up to $2500 to people who are 70 years or over

Q7: 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.

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?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. You can print out the ID card after you purchase the insurance and it will be emailed to you as well. Keep the email safe and keep a printed copy as well.

While purchasing the plan you can choose how you would like to receive your ID card. There are 3 options available. By default you receive the ID card in your email. You can also choose if you wish to get the ID card by Regular mail or by Express delivery which charge you additional fee (20.00 USD).

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	Plan A(Age 80 or over) ($10,000 policy) Per person, policy period Plan J pays as follows:
Dr. / Physician Visit	$50 per visit
Surgical Treatment	$2,000 per surgical session
Prescription Drugs / Medicines	$150 per period of coverage
Lab & X-rays	$650 per period of coverage ($325 per procedure)
Physical Therapy	$25 per visit per day, 12 visit per period of coverage

In-Patient	Plan J pays as follows:
Hospital Room	$825 per day 30 day maximum per period of coverage
Surgical Treatment	$2,000 per surgical session
Hospital Intensive Care Unit	Additional $400 per day, 8 day max per period of coverage

Emergency Services	Plan J pays as follows:
Ambulance Expenses	$250 per period of coverage

Dental	Plan J pays as follows:
Acute, spontaneous and unexpected pain	Not covered
Accidental emergency	$350 per period of coverage

Travel	Plan J pays as follows:
Emergency Medical Evacuation / Repatriation	$25,000
Return of mortal Remains	Up to $7,500 when coordinated through IMG
Trip Interruption	Not covered
Loss of checked Baggage	Not covered

Life	Plan J pays as follows:
AD&D	Not covered
Common Carrier Accidental Death	$25,000 to Beneficiary

Other	Plan J pays as follows:
Pre-Existing Conditions	Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke
Maternity	Not covered
General Physical full Checkup	Not covered
Terrorism Coverage	Not covered
Brochure	Visitors Care Insurance Brochure

Support	Plan J pays as follows:
24-Hrs Emergency Assistance	Yes. Contact number and details can be found on the ID card.

Out-Patient	Plan A ($25,000 policy) Per person, policy period Plan A pays as follows:	Plan B ($50,000 policy) Per person, policy period Plan B pays as follows:	Plan C ($100,000 policy) Per person, policy period Plan C pays as follows:
Dr. / Physician Visit	$50 per visit	$55 per visit	$85 per visit
Surgical Treatment	$2,000 per surgical session	$3,300 per surgical session	$5,500 per surgical session
Prescription Drugs / Medicines	$150 per period of coverage	$250 per period of coverage	$250 per period of coverage
Lab & X-rays	$650 per period of coverage ($325 per procedure)	$800 per period of coverage ($400 per procedure)	$950 per period of coverage ($475 per procedure)
Physical Therapy	$25 per visit per day, 12 visit per period of coverage	$40 per visit per day, 12 visit per period of coverage	$40 per visit per day, 12 visit per period of coverage

In-Patient	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
Hospital Room	$825 per day 30 day maximum per period of coverage	$1,400 per day 30 day maximum per period of coverage	$1,950 per day 30 day maximum per period of coverage
Surgical Treatment	$2,000 per surgical session	$3,300 per surgical session	$5,500 per surgical session
Hospital Intensive Care Unit	Additional $400 per day, 8 day max per period of coverage	Additional $660 per day, 8 day max per period of coverage	Additional $850 per day, 8 day max per period of coverage

Emergency Services	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
Ambulance Expenses	$250 per period of coverage	$450 per period of coverage	$450 per period of coverage

Dental	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
Acute, spontaneous and unexpected pain	Not covered	Not covered	Not covered
Accidental emergency	$350 per period of coverage	$550 per period of coverage	$550 per period of coverage

Travel	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
Emergency Medical Evacuation / Repatriation	$25,000	$50,000	$50,000
Return of mortal Remains	Up to $7,500 when coordinated through IMG	Up to $7,500 when coordinated through IMG	Up to $7,500 when coordinated through IMG
Trip Interruption	Not covered	Not covered	Not covered
Loss of checked Baggage	Not covered	Not covered	Not covered

Life	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
AD&D	Not covered	Not covered	Not covered
Common Carrier Accidental Death	$25,000 to Beneficiary	$25,000 to Beneficiary	$25,000 to Beneficiary

Other	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
Pre-Existing Conditions	Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke	Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke	Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke
Maternity	Not covered	Not covered	Not covered
General Physical full Checkup	Not covered	Not covered	Not covered
Terrorism Coverage	Not covered	Not covered	Not covered
Brochure	Visitors Care Insurance Brochure	Visitors Care Insurance Brochure	Visitors Care Insurance Brochure

Support	Plan A pays as follows:	Plan B pays as follows:	Plan C pays as follows:
24-Hrs Emergency Assistance	Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.


Plan Administrator Company	IMG
Carrier / Underwriter	Sirius International
Eligibility	Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2) travelling outside their home country. For person over 65 coverage must begin within 30days of arrival in US(condition waived with proof of previous valid insurance ).
Plan Type	Limited Coverage Plan Plan pays by a pre-defined fixed benefit table.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Covered
Co-Pay	No Co-pay (You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance	No Co-Insurance (You pay the difference of the fixed benefits defined by the benefit table)
How the Benefits are Paid	After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.
Coverage Type	per life of plan
Deductible Type	per period of coverage
Renewability	Renewable with $5 fee each time you renew, up to a maximum period of 2 years.
Cancellation	Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
PPO Network	No PPO Network
Coverage Length	Min 5 days-Max 12 Months, coverage can be extended up to 2 years by renewing
Available Deductibles	Choose From: $0, $50, $100 Ages 80 & Over: $50, $100
Available Coverage	Plan A: $25,000 per life of plan Plan B: $50,000 per life of plan Plan C: $100,000 per life of plan Ages 80 & Over Plan A: $25,000 per life of plan
Provider Directory	By Provider, Phone Nos. : 800-628-4664 or 317-655-4500
Plan Brochure	Visitors Care Insurance Brochure
US States Restriction	Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State
Home Country Definition	U.S. Citizens: Home Country is always the United States of America. Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
Country Restriction	Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana


	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.