VisitorSecure Insurance is a basic travel medical insurance plan offered by HCC Medical Insurance Services (HCCMIS), underwritten by Lloyds. VisitorSecure provide affordable but limited coverage for visitors traveling outside their home country and visiting to USA. Being a limited coverage insurance, the plan provides coverage pre-defined fixed coverage benefits. VisitorSecure also provides coverage for acute onset of pre existing condition for visitors below the age of 70 years, up to a certain amount depending on the policy maximum, at no extra cost.
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VisitorSecure Insurance
Underwriters: LloydsReviews and Ratings
- VisitorSecure insurance rating is A+ by AM Best (underwritten by Lloyds).
- VisitorSecure is administrated by a reputed US based insurance provider - HCCMIS.
- Claims are handled in USA.
- One of the reputed and trusted, cost effective visitor insurance plans for international tourist.
Highlights
- AM Best Rating: A+
- Underwriter: Lloyd's
- Administrator: HCC Medical Insurance Services (A US based reputed insurance administrator).
- Best suitable for: International visitors traveling outside their home country. And US Citizens traveling outside the continental USA, Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands.
- VisitorSecure Insurance Reviews and Ratings: Rated A+ by AM Best.
- Eligibility (Who can buy this plan?): US & Non-US Citizens traveling outside their home country.
What's Good
- Low cost and affordable price.
- Good for basic medical coverage, Per incident coverage.
- Coverage up to 364 days
- Coverage for, emergency medical evacuation, and common carrier accidental death and dismemberment
- Coverage for Acute onset of pre-existing medical condition under 70 years
- Renewable, Cancelable and refundable. (Full refund before start date, prorated refund if there is no claim- $25 applicable cancellation fee)
What's Not So Good
- Since VisitorSecure Insurance plan is a limited coverage plan, the coverage and benefits may not be adequate.
- For age 70+, fixed $100 deductible for each incident.
- Only $10,000 coverage for travelers over 80 years of age.
- May not be adequate for higher medical expenses.
- Any medical expenses should be pre-certified to avoid 50% reduction in the benefits.
How It Works
- After the deductible plan pays: As per the pre defined schedule of benefits.
- See complete Details - How VisitorSecure insurance plan works?
