Visit USA
Comprehensive Coverage- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
- TIS
Lloyd's of London
In Network
After deductible, the plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
PPO
Standard & Superior Plans: First Health PPO NetworkBudget Plan: No Network
Urgent Care
Visit USA-HealthCare is available to Non-U.S. residents while visiting the U.S. 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 and church or missionary travelers.
Please review Visit USA-Healthcare Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Out-Patient
Dr. / Physician Visit
Budget Plan
$50,00 policy max selected: $75/10 visits max
$150,000 policy max selected: $125/10 visits max
Standard/Superior Plans
In-network: after deductible plan pays 100% up to policy max Out of network: After deductible, reasonable & customary up to policy max
Surgical Treatment
Budget Plan
$50,00 policy max selected: $3,300
$150,000 policy max selected: $7,150
Standard/Superior Plans
In-network: after deductible plan pays 100% up to policy max Out of network: After deductible, reasonable & customary up to policy max
Prescription Drugs / Medicines
Budget Plan
$50,00 policy max selected: $150
$150,000 policy max selected: $300
Standard/Superior Plans
In-network: after deductible plan pays 100% up to policy max Out of network: After deductible, reasonable & customary up to policy max
Lab & X-rays
Budget Plan
$50,00 policy max selected: $500, plus $400 for one CAT Scan, MRI or PET
$150,000 policy max selected: $750, plus $650 for one CAT Scan, MRI or PET
Standard/Superior Plans
In-network: after deductible plan pays 100% up to policy max Out of network: After deductible, reasonable & customary up to policy max
Physical Therapy
Budget Plan (both policy maximum options)
$50 per visit, 1 visit per day, maximum 12 visits
Standard/Superior Plans
Usual Reasonable and Customary. Must be ordered by attending physician
In-Patient
Hospital Room
Budget Plan
$50,00 policy max selected: $1,500 per day - 30 days max
$150,000 policy max selected: $2,750 per day - 30 days max
Standard/Superior Plans
Usual Reasonable and Customary. Must be ordered by attending physician
Surgical Treatment
Budget Plan
$50,00 policy max selected: $4,000
$150,000 policy max selected: $8,000
Standard/Superior Plans
Usual Reasonable and Customary. Must be ordered by attending physician
Hospital Intensive Care Unit
Budget Plan
$50,00 policy max selected: $2,500 per day - 8 days max
$150,000 policy max selected: $4,000 per day - 8 days max
Standard/Superior Plans
Usual Reasonable and Customary. Must be ordered by attending physician
Emergency Services
Ambulance Expenses
Budget Plan
Both policy maximum options: $500
Standard/Superior Plans
Usual Reasonable and Customary, when it leads to inpatient hospitalization
Emergency Room(ER)
Budget Plan
$50,00 policy max selected: $375
$150,000 policy max selected: $785
Standard/Superior Plans
Usual Reasonable and Customary. Additional $250 co-pay applies for illness that does not lead to inpatient hospitalization.
Dental
Acute, spontaneous and unexpected pain
Budget Plan: Not covered
Standard/Superior Plans: $100
Accidental emergency
Budget Plan: Not covered
Standard/Superior Plans: $1,000
Travel
Emergency Medical Evacuation / Repatriation
Budget Plan
Both policy maximum options: Overall maximum limit
Standard/Superior Plans
$100,000 lifetime maximum, except as provided under acute onset of pre-existing conditions.
Up to $500,000 lifetime maximum - not subject to deductible.
Return of Remains
Budget Plan
Both policy maximum options: $50,000
Standard/Superior Plans
Up to the overall maximum limit - not subject to deductible or coinsurance
Emergency Reunion
For all options: $15,000, subject to a maximum of 15 days - not subject to deductible.
Return of minor Child(ren)
Budget Plan: Not Covered
Standard/Superior Plans: $50,000
Trip Interruption
Budget Plan: Not Covered
Standard/Superior Plans: $5,000 not subject to deductible or co-insurance
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
Budget Plan: Not Covered
Standard/Superior Plans: $50,000
Other
Pre-Existing Conditions
For all Plan Options:
Ages 65 and above: $2,500
All others: $20,000 ($25,000 for Superior)
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Budget Plan: $25,000 for eligible medical coverage.
Standard/Superior Plans: Up to $50,000 lifetime maximum, eligible medical expenses only
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 of London
Eligibility
Visit USA covers non-U.S. citizens who are traveling outside of their home country and at least one of their destination countries is the U.S.
Plan Type
Standard & Superior Plans: Comprehensive Coverage
Budget Plan: Limited Coverage
AM Best Rating
A (Excellent)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Not Covered
Co-Pay
$50 copay for urgent care (Standard and Superior plans)
Co-Insurance
Standard & Superior Plans: In-Network, no co-insurance. After deductible, plan pays 100% up to the policy maximum.
Budget Plan: No co-insurance. Plan pays a fixed amount for every covered service and treatment.
How the Benefits are Paid
Standard & Superior Plans: After deductible, plan pays 100% up to the policy maximum.
Budget Plan: Plan pays a fixed amount for every covered service and treatment.
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
Standard & Superior Plans: First Health PPO Network
Budget Plan: No Network
Coverage Length
Min 5 days to Max 364 days
Available Deductibles
Standard & Superior Plans: $0, $250, $500, $1,000
Budget Plan: $0, $50, $100, $250
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
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
Country Restrictions
No Restriction
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. | |
| 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? You can go to any doctor or hospital of your choice. If you would like to go to a doctor or hospital in the PPO network, you can view the list of doctors and hospitals in the FirstHealth PPO network here: http://www.hccmis.com/find-a-doctor/index.php | |
| 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. 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. | |
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.
