VS

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-pre-existing-condition
Acute onset of Pre-Existing Conditions
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Extendable & Cancelable
basic-coverage
Basic Coverage Plan
coverage-days
Coverage from 5 days to 364 days
urgent-care
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
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 brochure or Description of Coverage brochure (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 coveredNot coveredNot coveredNot 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 coveredNot coveredNot coveredNot covered
Loss of checked Baggage   
Not coveredNot covered Not coveredNot covered
 
Life   
AD&D   
Not CoveredNot CoveredNot CoveredNot 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 coveredNot coveredNot coveredNot covered
General Physical full Checkup   
Not coveredNot coveredNot coveredNot covered
Terrorism Coverage   
Not coveredNot coveredNot coveredNot covered
Brochure   
VisitorSecure Insurance Brochure visitorsecure brochureVisitorSecure Insurance Brochure visitorsecure brochureVisitorSecure Insurance Brochure visitorsecure brochureVisitorSecure Insurance Brochure visitorsecure 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 coveredNot 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 coveredNot covered
Loss of checked Baggage 
Not coveredNot covered
 
Life 
AD&D 
Not CoveredNot covered
Common Carrier Accidental Death 
Up to $25,000 Up to $25,000
 
Other 
Pre-Existing Conditions 
Not CoveredNot Covered
Maternity 
Not coveredNot Covered
General Physical full Checkup 
Not coveredNot Covered
Terrorism Coverage 
Not coveredNot Covered
Brochure 
VisitorSecure Insurance Brochure visitorsecure brochure VisitorSecure Insurance Brochure visitorsecure 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

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

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.

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

VisitorSecure Insurance Brochure VisitorSecure 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.

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.