VU

Visit USA

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
TIS
Lloyd's of London
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 364 days
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Urgent Care
BUY

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 brochure or Description of Coverage brochure (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

Visit USA Insurance Brochure 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.
This plan is suitable for business and leisure travelers, international exchange students, tourists, holiday travelers and church or missionary travelers.
The minimum coverage period is 15 days and the maximum coverage period is 364 days.

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.
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.

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.