VisitorSecure

Limited Coverage

AM Best Rating: A (Excellent)

Carrier/Underwriter: Tokio Marine HCC – MIS Group

Administrator: Lloyd's of London

Acute onset of Pre-Existing Conditions

Medical Coverage During Travel

Extendable & Cancelable

Basic Coverage Plan

Coverage from 5 days to 364 days

Urgent Care

Not available to individuals who are physically located in: New York, Maryland, Washington, Canada or Australia at the time of purchase.
Not Available for Addresses from the Following US States: Maryland, New York & Washington
Not available if Home Country/Country of Residences is: Cuba, Iran, North Korea& Syria
Not available for Citizens of: Cuba, Iran & North Korea
Not Available for the following Destination Countries: Cuba, Iran & North Korea
Cannot accept an address in Maryland (MD), New York (NY) & Washington (WA).

BUY

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.

Applicant's Age 14 days - 69 years

VS $50,000 Policy Maximum	VS $75,000 Policy Maximum	VS $100,000 Policy Maximum	VS $130,000 Policy Maximum
Out-Patient
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	$40 maximum per visit, 12 visits maximum	$40 maximum per visit, 12 visits maximum	$40 maximum per visit, 12 visits maximum

In-Patient
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
Ambulance Expenses
$500	$500	$500	$500
Emergency Room(ER)
$375	$485	$600	$785

Dental
Acute, spontaneous and unexpected pain
Not covered	Not covered	Not covered	Not covered
Accidental emergency
$550 maximum	$550 maximum	$550 maximum	$550 maximum

Travel
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.	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.	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.	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	$25,000	$25,000	$25,000
Trip Interruption
Not covered	Not covered	Not covered	Not covered
Loss of checked Baggage
Not covered	Not covered	Not covered	Not covered

Life
AD&D
Not Covered	Not Covered	Not Covered	Not Covered
Common Carrier Accidental Death
Up to $25,000	Up to $25,000	Up to $25,000	Up to $25,000

Other
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	Not covered	Not covered	Not covered
General Physical full Checkup
Not covered	Not covered	Not covered	Not covered
Terrorism Coverage
Not covered	Not covered	Not covered	Not covered
Brochure
VisitorSecure Insurance Brochure	VisitorSecure Insurance Brochure	VisitorSecure Insurance Brochure	VisitorSecure Insurance Brochure

Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.

Applicant's Age 70 - 79

VS $50,000 Policy Maximum	VS $75,000 Policy Maximum
Out-Patient
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	$40 maximum per visit, 12 visits maximum

In-Patient
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
Drug/Alcohol Abuse


Emergency Services
Ambulance Expenses
$475 maximum	$475 maximum
Emergency Room(ER)
$355 maximum	$465 maximum

Dental
Acute, spontaneous and unexpected pain
Not covered	Not covered
Accidental emergency
$550 maximum	$550 maximum

Travel
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.	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	Up to $7,500 per member
Trip Interruption
Not covered	Not covered
Loss of checked Baggage
Not covered	Not covered

Life
AD&D
Not Covered	Not covered
Common Carrier Accidental Death
Up to $25,000	Up to $25,000

Other
Pre-Existing Conditions
Not Covered	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	VisitorSecure Insurance Brochure

Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

Tokio Marine HCC – MIS Group

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 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

What is Policy Maximum?

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.

Note: These suggestions are based on generic guidelines of how the insurance policy works and what can be the best possible combination for maximum benefit from this type of policy.

Deductible Content

Deductible Per Incident

What is Deductible?

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.

For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once. If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.

What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

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, 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? 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, traveling to the USA, the plan has to be purchased within a month of arrival in USA.
Q2: Can I extend the VisitorSecure plan? Yes, you can extend your coverage in an increment of 5 days or more up to 364 days. You have to extend the policy before it expires. For each extension, there is a $5 fee. Policy can be extended online.
Q3: Can I cancel the VisitorSecure plan? Yes, you can cancel this plan, before the original expiration date. A written request is required for cancellation. If you request a cancellation before the effective start date, you will receive a full refund back. After the start date of the policy, a 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. A $25 cancellation fee would apply. No refund is available if you visit a doctor or provider during the coverage period.
Q4. What does the VisitorSecure plan cover? Why is it so much cheaper than the comprehensive plans? The VisitorSecure plan covers 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 VisitorSecure 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 injury or sickness. Does this mean I have to pay the deductible each time I visit a doctor or hospital? No, you do not have to pay the 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 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 tests, 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 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? VisitorSecure 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 home address of the visitor(s), and a US correspondence or billing 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 costs do 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 VisitorSecure 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 a 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.

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.

Primary Traveler

Are any of the travelers a US citizen?