VisitorSecure
Limited Coverage, Rated A (Excellent)By: HCC-MIS, UW: Lloyd'sLloyd's of London- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- Tokio Marine HCC – MIS Group
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Extendable & Cancelable
Basic Coverage Plan
Coverage from 5 days to 364 days
Urgent Care
COVID-19 Included
- Not available to individuals who are physically located in: New York, Maryland,Washington or Canada at the time of purchase.
Not available if Home Country/Country of Residences is: Australia, Cuba, Iran, North Korea
Not Available for the following Destination Countries: Cuba, Iran & North Korea
VisitorSecure insurance Plan provides coverage for international visitors traveling outside their home country and US citizens traveling outside USA.
VisitorSecure insurance is a basic, cost-effective travelers medical insurance that provides fixed pre-defined coverage benefits for each medical service.
You visit any doctor or hospital of your choice.
Note: VisitorSecure is not available to individuals who are physically located in the state of NY at time of purchase.
The following benefit table shows how much insurance pays for the given covered medical service. If the actual bill is more, the difference will be your responsibility.
Please review VisitorSecure Insurance Brochure or Description of Coverage
(policy document) for complete and accurate coverage and exclusions.
Note: For Visitors over 80 years of age, please refer to the policy brochure for benefits coverage details.
Plan Administrator Company
Tokio Marine HCC – MIS Group
Carrier / Underwriter
Lloyd's of London
AM Best Rating
A (Excellent)
Eligibility
Can be purchased by International visitors (non-US Citizens or any visa holders e.g. L/H/B1, B2), traveling outside their home country, who are at least 14 days of age. US citizens or any visa holders (e.g. L/H/B1, B2). U.S. citizens are eligible to buy this plan if they are traveling outside the continental of the U.S., Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands. The Plan must become effective within three (3) months of arrival in the United States.
Policy Content
Policy Maximum is the maximum amount that an insurance policy will pay for covered expenses. If you choose a policy with maximum coverage of say $50,000, and your actual bills are $120,000, the insurance will pay only up to $50,000 for the covered expenses as per the policy.
Note: Policy maximum is the outer limit of the insurance company's liability for the covered expenses only. Do not assume that insurance pays for everything up to policy maximum. All applicable limits and exclusions will apply. What policy maximum should I choose?
This type of plan pays based on fixed pre-defined benefits. Higher the policy maximum, better are the benefits. It is a good idea to select a higher policy maximum such as $100,000 or more for better benefits.
Deductible Content
Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
Plan Type
Limited Coverage Plan
Plan pays by a pre-defined fixed benefit table.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
No Co-pay
(You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance
No Co-Insurance
(You pay the difference of the fixed benefits defined by the benefit table)
How the Benefits are Paid
After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.
Coverage Type
Per Incident, Per Injury or Sickness
Deductible Type
Per Incident, Per Injury or Sickness
Renewability
Extendable with a $5 fee each time you extend, up to a maximum period of 364 days.
Cancellation
Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
Coverage Length
Min 5 days to Max 728 days.
Available Deductibles
Choose From: $0, $50, $100
Ages 70 & Over: $100, $200
Available Coverage
Plan A: $50,000 per Incident
Plan B: $75,000 per Incident
Plan C: $100,000 per Incident
Plan D: $130,000 per Incident
Ages 70 - 79
Plan A: $50,000 per Incident
Plan B: $75,000 per Incident.
Ages 80 and over
Plan A: $10,000 per Incident
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
Not available if the person is physically present in NY, MD or WA states at the time of purchase (if the applicant's Billing address is NY, MD or WA states). This restriction is only for Purchase. The plan still provides coverage for a policyholder visiting NY, WD or MA.
Country Restrictions
Not available to the residents of Australia, North Korea, Cuba, and Iran. Residents of Gambia, Ghana, Nigeria, Sierra Leone needs to have a US billing address.
VisitorSecure Insurance FAQs | |
Q1: Am I eligible for the VisitorSecure plan? | |
Q2: Can I extend the VisitorSecure plan? | |
Q3: Can I cancel the VisitorSecure plan? | |
Q4. What does the VisitorSecure plan cover? Why is it so much cheaper than the comprehensive plans? | |
Q5. The plan says that the deductible is per-incident or injury or sickness. Does this mean I have to pay the deductible each time I visit a doctor or hospital? | |
Q6. How Does the Deductible Work? For the VisitorSecure plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. The limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor’s charge. For example: You choose a $50,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of benefits that the insurance would pay $60 for a doctor’s visit. Now the deductible of $50 would apply to the fixed benefit amounts. So, in this case, the plan would pay ($60-$50) = $10 towards your doctor’s visit. Whatever amount the doctor might charge, the insurance would pay only $10. If you go back again for the same situation for another consultation, then the plan would pay $60. | |
Q7. Does this plan cover any pre-existing conditions? No, like any other travel insurance policy, the VisitorSecure does not cover pre-existing conditions. It, however, does cover for an acute onset of pre-existing conditions up to the policy maximum that you choose. The acute onset of pre-existing condition coverage once in a policy period. Also, all the limited benefits amounts for each service and treatment for the VisitorSecure policy would apply to an acute onset of pre-existing condition situation. Acute onset of a pre-existing condition is defined as: An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary before the Effective Date of coverage. For more details & exclusions regarding the pre-existing conditions, please check the VisitorSecure plan brochure. | |
Q8. Which doctor or hospital can I go to? | |
Q9. Do I have to Pay up front, or are the doctors going to bill the insurance company directly? | |
Q10. Where can I find the claim information? Claim process is mandatory for travel insurances. Even if the providers directly bill the insurance company, you would still need to follow the claim process. Please refer to the following article for the claim process: Visitor Insurance Claim Process | |
Q11. What information do I need to purchase this insurance? | |
Q12. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy? | |
Q13. When will I receive my ID card? | |
Q14. How do I use this insurance? | |
Q15. Where can I find answers to other questions I have? | |
Q15. Does VisitorSecure cover coronavirus? Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. |
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.