- AM Best Rating
- A (Excellent)
Lloyd's of London
After deductible, the plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
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.
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Common Carrier Accidental Death
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
Lloyd's of London
AM Best Rating
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.
Standard & Superior Plans: Comprehensive Coverage
Budget Plan: Limited Coverage
Coverage in U.S.A.
Coverage outside U.S.A.
$50 copay for urgent care (Standard and Superior plans)
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.
Per policy period
Per policy period
$25 Cancellation Fee is Applicable. Pro-rated refund is also available after start date if no claims have been made.
Standard & Superior Plans: First Health PPO Network
Budget Plan: No Network
Min 5 days to Max 364 days
Standard & Superior Plans: $0, $250, $500, $1,000
Budget Plan: $0, $50, $100, $250
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
888-647-3105 or 630-766-7731
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
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 extend Visit USA plan?
The Visit USA-HealthCare plan cannot be extended. 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. When does my coverage start on my travel medical insurance plan?
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.
Q14: Where can I find answers to other questions I have?
If you still have questions, please email us at email@example.com or call our support line toll free: 1.866.384.9104. Business Hours: Mon - Fri 8:30am- 5:30pm PST.
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.