VisitorSecure

Underwriter: Lloyd's of London

Plan pays fixed amount per incident up to the policy maximum.

Basic coverage, low cost, less benefits (Review limits)
Coverage from 5 days to 364 days
Renewable and Cancelable
No PPO network, visit any doctor
Not available for purchase to a resident of New York (NY), Maryland (MD) and Washington (WA) states.
Up to $100,000 coverage for acute onset of pre-existing condition

Policy info

Plan Administrator: HCC MIS

Carrier: Lloyd's of London

AM Best Rating: A(Excellent)

Useful Links

Plan Brochure

Policy Description

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.

Benefits

Plan Overview

FAQs

Out-Patient

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Dr. / Physician Visit

$70 per visit, 10 visits max

$85 per visit, 10 visits max

$100 per visit, 10 visits max

$130 per visit, 10 visits max

Urgent Care

$60 per visit, 10 visits maximum

$75 per visit, 10 visits maximum

$90 per visit, 10 visits maximum

$115 per visit, 10 visits maximum

Surgical Treatment

$3,300 per session

$4,400 per session

$5,500 per session

$7,150 per session

Prescription Drugs / Medicines

$150 maximum

$200 maximum

$350 maximum

$400 maximum

Lab & X-rays

$500, plus $400 for one CAT Scan, MRI or PET

$550, plus $450 for one CAT Scan, MRI or PET

$600, plus $500 for one CAT Scan, MRI or PET

$750, plus $650 for one CAT Scan, MRI or PET

Physical Therapy

$40 maximum per visit, 12 visits maximum

In-Patient

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Hospital Room

$1,450 per day, maximum 30 days

$1,725 per day, maximum 30 days

$2,000 per day, maximum 30 days

$2,585 per day, maximum 30 days

Surgical Treatment

$3,600

$4,800

$6,000

$7800

Hospital Intensive Care Unit

$2,200 per day, 8 days max

$2,600 per day, 8 days max

$3,000 per day, 8 days max

$3,800 per day, 8 days max

Emergency Services

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Ambulance Expenses

$500

Emergency Room(ER)

$375

$485

$600

$785

Dental

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Acute, spontaneous and unexpected pain

Not covered

Accidental emergency

$550 maximum

Travel

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Emergency Medical Evacuation / Repatriation

Up to $50,000 life time maximum , except as provided under acute onset of pre-exsisting condition. Available only to members under the age 70.

Return of Remains

$25,000

Trip Interruption

Not covered

Loss of checked Baggage

Not covered

Life

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

AD&D

Not Covered

Common Carrier Accidental Death

Up to $25,000

Other

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

Pre-Existing Conditions

Acute Onset of a Pre-existing Condition coverage for age under 70 years
$50,000 life time maximum for eligible expense(subject to the sub limits for each benefit shown above) & $25,000 life time maximum for emergency medical evacuation.

Acute Onset of a Pre-existing Condition coverage for age under 70 years
$75,000 life time maximum for eligible expense(subject to the sub limits for each benefit shown above) & $25,000 life time maximum for emergency medical evacuation

Acute Onset of a Pre-existing Condition coverage for age under 70 years
$100,000 life time maximum for eligible expense(subject to the sub limits for each benefit shown above) & $25,000 life time maximum for emergency medical evacuation

Acute Onset of a Pre-existing Condition coverage for age under 70 years $130,000 life time maximum for eligible expense(subject to the sub limits for each benefit shown above) & $25,000 life time maximum for emergency medical evacuation

Maternity

Not covered

General Physical full Checkup

Not covered

Terrorism Coverage

Not covered

Brochure

VisitorSecure Insurance Brochure

Support

Plan A
($50,000 policy)
Per person, policy period

Plan B
($75,000 policy)
Per person, policy period

Plan C
($100,000 policy)
Per person, policy period

Plan D
($130,000 policy)
Per person, policy period

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Out-Patient

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Dr. / Physician Visit

$60 per visit, 10 visits maximum

$75 per visit, 10 visits maximum

Urgent Care

$60 per visit, 10 visits maximum

$75 per visit, 10 visits maximum

Surgical Treatment

$3,300 per session

$4,400 per session

Prescription Drugs / Medicines

$100 maximum

$125 maximum

Lab & X-rays

$450 maximum, plus $250 for one CAT Scan, MRI or PET

$475 maximum, plus $375 for one CAT Scan, MRI or PET

Physical Therapy

$40 maximum per visit, 12 visits maximum

In-Patient

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Hospital Room

$1,450 per day, maximum 30 days

$1,725 per day, maximum 30 days

Surgical Treatment

$3,300 per session

$4,400 per session

Hospital Intensive Care Unit

$2,110 per day, maximum 8 days

$2,480 per day, maximum 8 days

Emergency Services

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Ambulance Expenses

$475 maximum

Emergency Room(ER)

$355 maximum

$465 maximum

Dental

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Acute, spontaneous and unexpected pain

Not covered

Accidental emergency

$550 maximum

Travel

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Emergency Medical Evacuation / Repatriation

Up to $50,000 life time maximum , except as provided under acute onset of pre-exsisting condition. Available only to members under the age 70.

Return of Remains

Up to $7,500 per member

Trip Interruption

Not covered

Loss of checked Baggage

Not covered

Life

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

AD&D

Not Covered

Not covered

Common Carrier Accidental Death

Up to $25,000

Other

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

Pre-Existing Conditions

Not Covered

Maternity

Not covered

Not Covered

General Physical full Checkup

Not covered

Not Covered

Terrorism Coverage

Not covered

Not Covered

Brochure

VisitorSecure Insurance Brochure

Support

Plan A
(Age 70 or over) ($50,000 policy)
Per person, policy period

Plan B
(Age 70 or over) ($75,000 policy)
Per person, policy period

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

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.

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Plan Administrator Company	HCC MIS
Carrier / Underwriter	Lloyd's of London
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 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.
Plan Type	Limited Coverage Plan Plan pays by a pre-defined fixed benefit table.
AM Best Rating	A (Excellent)
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	Renewable with $5 fee each time you renew, 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	VisitorSecure Insurance 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, WD or WA states at the time of purchase (if the applicant's Billing address is NY, WD or WA states). This restriction is only for Purchase. The plan still provide coverage for a policy holder visiting NY, WD or WA.
Country Restrictions	Not available to the residents of Cuba, Iran, Syria. Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.

VisitorSecure Insurance FAQs
Q1: Am I eligible for the Visitor Secure plan? If you are a non-United States citizen traveling to the U.S. for a short trip, you are eligible for this plan. The minimum coverage period is 5 days and the maximum coverage period is 364. days. For people 65 and over, travelling to the USA, the plan has to be purchased within a month of arrival in USA.
Q2: Can I renew the Visitor Secure plan? Yes, you can renew your coverage in an increment of 5 days or more up to 364 days. You have to renew the policy before it expires. For each renewal there is a $5 fee. Policy can be renewed online.
Q3: Can I cancel the Visitor Secure plan? Yes, you can cancel this plan, before the original expiration date. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if you visit a doctor or provider during the coverage period.
Q4. What does the Visitor Secure plan cover? Why is it so much cheaper than the comprehensive plans? The Visitor Secure covers for unexpected sickness or injury that starts, after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The Visitor Secure plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans, because the plan offers very limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.
Q5. The plan says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital? No, you do not have to pay deductible each time you go to a doctor. Per-incident/per sickness or injury means that the deductible would apply separately to each different sickness or injury. But for each individual sickness or injury the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts. For Example: If you have flu and visit the doctor two times for the same problem and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.
Q6. How Does the Deductible Work? For the Visitor Secure 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 Visitor Secure does not cover for 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 in once in a policy period. Also all the limited benefit amounts for each service and treatment for the Visitor Secure policy, would also apply to an acute onset of pre-existing condition situation. Acute onset of 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 prior to the Effective Date of coverage. For more details & exclusions regarding the pre-existing conditions, please check the Visitor Secure plan brochure.
Q8. Which doctor or hospital can I go to? Visitor Secure Insurance is a limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice.
Q9. Do I have to Pay up front, or are the doctors going to bill the insurance company directly? The billing process is the discretion of the providers. Depending on the billing practice of the service provider, they may directly bill the insurance company, or may ask you to pay up front, and get reimbursed from the insurance company. Claim process would be mandatory, whether you have to pay upfront, or the providers directly bill the insurance company.
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? Name(s), date of birth, and passport number of the visitor(s), and a US correspondence address
Q12. 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.
Q13. When will I receive my ID card? The Visitor Secure plan is an online insurance policy, once you purchase the policy online you will receive a printable Id card and policy documents in 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. If your premium is over $100 then you will have the option of the ID card sent to your mailing address in addition to the email ID card.
Q14. How do I use this insurance? Please refer to the following article about the policy usage: how to use Visitor Insurance?
Q15. Where can I find answers to other questions I have? 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.

EXPLORE PRODUCTS

VisitorSecure

Plan pays fixed amount per incident up to the policy maximum.

Read VisitorSecure Insurance brochure for complete details

Policy info

Useful Links

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support

VisitorSecure Insurance FAQs

Disclaimer

OUR PRODUCTS

LEARN INSURANCE

COMPANY

USEFUL LINKS

CONNECT WITH US

VisitorSecure

Plan pays fixed amount per incident up to the policy maximum.

Read VisitorSecure Insurance brochure for complete details

Policy info

Useful Links

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support

VisitorSecure Insurance FAQs

Disclaimer

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OUR PRODUCTS

LEARN INSURANCE

COMPANY

USEFUL LINKS

CONNECT WITH US