Pre-existing Coverage (limits apply*)Visitors to the USA
USVisit-Pro®
Best Seller Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
USVisit-Pro (rated A-) is a comprehensive Travel Medical insurance plan providing temporary medical coverage for emergency services and limited pre-existing conditions for international visitors traveling to the U.S. Coverage begins once the policyholder has left their home country and has entered one of the eligible destination countries (or) is in transit to another eligible country after the USA. The coverage duration available is from 60 days to 180 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 80% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 60% of eligible medical expenses up to the policy maximum. Learn more about how USVisit-Pro works.
USVisit-Pro can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
USVisit-Pro does cover for limited Pre-Existing medical conditions. Please review USVisit-Pro’s policy documents for complete coverage and exclusions.
How USVisit-Pro® Works
After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 60% of the URC for eligible medical expenses up to the policy maximum
Out of Network
60%
After deductible, 60% up to policy maximum
PPO Network for USVisit-Pro®
Inside the USA
The PPO provider for USVisit-Pro® Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. USVisit-Pro® policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can visit any doctor or hospital.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
$250 copay, 80% up to Policy Maximum
PPO Network
Medical Evacuation
Up to $25000
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Lab & X-Rays
60% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$25 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
60% up to policy maximum
Emergency Room
$250 copay, 80% up to Policy Maximum
Hospitalization
Average semi-private room and rate
PPO Network
Urgent Care
$25 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $25000
Prescription Rx - Medicine
60% up to policy maximum
Lab & X-Rays
60% up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Eligibility for USVisit-Pro®
- For visitors traveling to the United States
- Coverage begins once the policyholder has left their home country and has entered one of the eligible destination countries (or) is in transit to another eligible country after the USA
- For ages 14 days to 74 years
- Coverage for a minimum of 60 days up to 180 days
- Not Extendable
- Must purchase policy before departing home country
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Coverage for Pre-Existing conditions as per the policy terms and conditions.
For those 69 and below: Coverage is up to $30,000 for Pre-Existing conditions
For those ages 70-74: Coverage is up to $20,000 for Pre-Existing conditions
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
60% up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Urgent Care
In-Network
In-Network
$25 copay, 100% up to Policy Maximum
Out-Network
Out-Network
$25 copay, 100% up to Policy Maximum
Surgical Treatment
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Lab & X-rays
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Average semi-private room and rate
Out-Network
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Surgical Treatment
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Up to 80%
Out-Network
Out-Network
Up to 60%
Emergency Room
In-Network
In-Network
$250 copay, 80% up to Policy Maximum
Out-Network
Out-Network
$250 copay, 60% up to Policy Maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Not covered
Travel Coverage
Travel-related coverage
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $25,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Up to $1,000 ($50 per item)
Terrorism
Terrorism
Not covered
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Up to $100
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
USVisit-Pro® Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process
Any traveler on an eligible nonimmigrant visa or similar arrangements can purchase the plan. Green card holders and lawful permanent residents are not eligible for this coverage. USVisit-Pro offers coverage for those 14 days up to 74 years of age. The USVisit-Pro plan provides travel medical insurance with pre-existing condition coverage for those travelers to the United States. Please Note: Purchase must be done before departing the country of residence.
The USVisit-Pro plan can cover for worsening of a pre-existing condition up to the stated amount on the policy document. For those up to the age of 69, pre-existing conditions are covered up to $30,000. For those ages 70-74, pre-existing conditions are covered up to $20,000. Please review the policy terms and conditions for any additional limits or exclusions.
The PPO network associated with USVisit-Pro is United Healthcare.
You can search for doctors and hospitals in this Provider Directory.
The USVisit-Pro plan is not extendable or renewable.
Yes, you can cancel and get a refund for the USVisit-Pro plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
After enrolling, you will receive an email confirmation containing an attachment for ID cards, certificate of insurance and visa letter.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
USVisit-Pro can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the desired coverage length you have selected, you have to make the full payment at once.
This plan is not extendable or renewable.
Coverage will begin on the date selected and once the policyholder has left their home country.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
The USVisit-Pro plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
USVisit-Pro will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
The USVisit-Pro plan does not offer any coverage for quarantine.
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the USVisit-Pro application before completing the purchase to prevent any errors and corrections.
USVisit-Pro can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.
The USVisit-Pro plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Have specific questions about this plan?
AI Assistant USVisit-Pro®AI assistant can help you find specific terms and details in the policy document.
Need more assistance?
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
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.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
