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Visitors Care

Limited Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Visitors to the USABudget plan
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Visitors Care (A.M. Best Rating: A) is a fixed-benefit travel medical insurance plan that offers affordable visitor insurance for international travelers visiting the United States. Scheduled benefits help reduce premium costs while providing coverage for eligible medical services resulting from unexpected illnesses and injuries, making it a practical choice for vacations, family visits, and short-term travel. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the First Health PPO network, the insurance company will pay up to the stated amount in the policy document for each covered treatment or service.

Visitors Care does not cover pre-existing conditions. Visitors Care includes coverage for an acute onset of a pre-existing condition up to $25,000 for travelers under age 70.

Review the Visitors Care policy documents for complete coverage details, exclusions, and limitations.

No optional add-on benefits on this plan.

How Visitors Care Works

Insurance pays = Pre defined dollar amount for each service taken

Your Responsibility = Policy Deductible + Any Difference in Actual Bill and pre defined fixed amount

How does this plan pay?

Visitors Care is a fixed dollar based limited coverage plan. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the Plan Brochure and the Description of Coverage. The policy maximum is just the outer limit, but there are limits to every service or treatment.

Insurance pays = Pre defined dollar amount for each service taken

Your Responsibility = Policy Deductible + Any Difference in Actual Bill and pre defined fixed amount

Eligibility

  • For non U.S residents and non U.S citizens traveling to the U.S
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 365 days
  • Extendable for up to 365 days
  • Plan can be purchased after arrival at the destination
Medical Coverage

Medical Coverage

Medical coverage details.

$25,000
Policy Maximum
$50,000
Policy Maximum
$100,000
Policy Maximum
Eligible Medical Expenses
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
In-Network
In-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
In-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
In-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
Out-Network
Out-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
Out-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
Out-Network
Limited travel medical plans pay a pre-defined fixed limit per treatment & services
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

$25,000
Policy Maximum
$50,000
Policy Maximum
$100,000
Policy Maximum
Pre-Existing Conditions
Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Pre-Existing Conditions

    Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Pre-Existing Conditions

    Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    Up to $25,000
    Acute onset Pre-Existing Condition
    Up to $50,000
    Acute onset Pre-Existing Condition
    Up to $100,000
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    Dr. / Physician Visit
    Dr. / Physician Visit
    Up to $50 per visit. 10 visits max.
    Dr. / Physician Visit
    Up to $80 per visit. 10 visits max.
    Dr. / Physician Visit
    Up to $100 per visit. 10 visits max.
    Urgent Care
    Urgent Care
    Up to $40 per visit. 10 visits max.
    Urgent Care
    Up to $100 per visit. 10 visits max.
    Urgent Care
    Up to $100 per visit. 10 visits max.
    Surgical Treatment
    Surgical Treatment
    Up to $2,000
    Surgical Treatment
    Up to $3,300
    Surgical Treatment
    Up to $5,500
    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    Up to $250
    Prescription Drugs / Medicines
    Up to $150
    Prescription Drugs / Medicines
    Up to $250
    Lab & X-rays
    Lab & X-rays
    Up to $400
    Lab & X-rays
    Up to $450
    Lab & X-rays
    Up to $500
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    Hospital Room and Board
    Hospital Room and Board
    Up to $825, 30 days maximum
    Hospital Room and Board
    Up to $1,450, 30 days maximum
    Hospital Room and Board
    Up to $2,000, 30 days maximum
    Dr. / Physician Visit
    Dr. / Physician Visit
    Up to $40 per visit. 30 visits max.
    Dr. / Physician Visit
    Up to $60 per visit. 30 visits max.
    Dr. / Physician Visit
    Up to $85 per visit. 30 visits max.
    Surgical Treatment
    Surgical Treatment
    Up to $2,000
    Surgical Treatment
    Up to $3,300
    Surgical Treatment
    Up to $5,500
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    Ambulance Expenses
    Ambulance Expenses
    Up to $250
    Ambulance Expenses
    Up to $450
    Ambulance Expenses
    Up to $475
    Emergency Room
    Emergency Room
    Up to $200
    Emergency Room
    Up to $375
    Emergency Room
    Up to $600
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    Dental Emergency
    Dental Emergency
    Up to $550
    Dental Emergency
    Up to $550
    Dental Emergency
    Up to $550
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    US Border Entry Protection
    US Border Entry Protection
    Not covered
    US Border Entry Protection
    Not covered
    US Border Entry Protection
    Not covered
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $25,000
    Emergency Medical Evacuation / Repatriation
    Up to $50,000
    Emergency Medical Evacuation / Repatriation
    Up to $50,000
    Return of Mortal Remains
    Return of Mortal Remains
    Up to $25,000
    Return of Mortal Remains
    Up to $25,000
    Return of Mortal Remains
    Up to $25,000
    Trip Interruption
    Trip Interruption
    Not covered
    Trip Interruption
    Not covered
    Trip Interruption
    Not covered
    Trip Delay
    Trip Delay
    Not covered
    Trip Delay
    Not covered
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Not covered
    Lost Luggage
    Not covered
    Lost Luggage
    Not covered
    Terrorism
    Terrorism
    Up to $50,000
    Terrorism
    Up to $50,000
    Terrorism
    Up to $50,000
    Personal Liability
    Personal Liability
    Not covered
    Personal Liability
    Not covered
    Personal Liability
    Not covered
    Identity Theft
    Identity Theft
    Not covered
    Identity Theft
    Not covered
    Identity Theft
    Not covered
    Legal Fees
    Legal Fees
    Not covered
    Legal Fees
    Not covered
    Legal Fees
    Not covered
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Lost or Stolen Passport
    Not covered
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    COVID-19 Benefits

    COVID-19 Benefits

    Covid-19 related benefits and coverage

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    COVID-19 Medical Coverage
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Testing
    COVID-19 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
    COVID-19 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
    COVID-19 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
    COVID-19 Vaccine/Booster
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Quarantine Coverage
    COVID-19 Quarantine Coverage
    Not covered
    COVID-19 Quarantine Coverage
    Not covered
    COVID-19 Quarantine Coverage
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    $25,000
    Policy Maximum
    $50,000
    Policy Maximum
    $100,000
    Policy Maximum
    Doctor Wellness Visit
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Preferred Rates
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered
    Visitors Care Exclusions

    Visitors Care Exclusions

    What is not covered

    Visitors Care FAQs

    Visitors Care FAQs

    All questions are answered by our Licensed Travel Insurance Consultants.

    Visitors Care is available for non-U.S. residents and non-U.S. citizens traveling to the U.S., for individuals aged 14 days to 99 years.

    You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Visitors Care, which is the FirstHealth PPO Network.

    You can search for doctors or hospitals in the Provider Directory.

    The Visitors Care policy does not cover pre-existing conditions. The plan however does offer coverage for acute onset of pre-existing conditions which is the sudden and unexpected recurrence of pre-existing conditions, for travelers under the age of 70.

    The Visitors Care Lite, Plus, and Platinum are based on the policy maximums.

    Please refer to the following article for the Visitors Care claim process: Visitor Insurance Claim Process

    The Visitors Care plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

    The cost of Visitors Care varies based on several qualifying criteria, such as the traveler's age, duration or length of the trip, and selected coverage benefit limits. Typically, it can cost about $2 a day for a person 50 years of age, when selecting the coverage area or destination of travel as the USA.

    Please refer to the following article about the Visitors Care policy usage: How to use Visitor Insurance?

    Yes, you can extend Visitors Care, before the policy expires. The policy can be extended at an increment of 5 days minimum to a maximum of 12 months at one time. You can extend the policy for a maximum of 24 months.
    Yes, you can cancel Visitors Care. 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, 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 there is a claim on file.
    You cannot remove one person from the Visitors Care policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
    To purchase Visitors Care, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
    After purchasing Visitors Care, you will receive a digital copy of the ID card via email. You may print out the ID card if you would like a physical copy.

    Visitors Care can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Visitors Care plan does not cover for the COVID-19 vaccine/booster. Visitors Care will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

    For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

    Visitors Care coverage begins on the selected start date when the traveler leaves their home country. Coverage ends immediately upon the traveler's re-entry into their home country.
    The Visitors Care plan does not renew automatically. If you need additional coverage days, please log into your account to request an extension or renewal before the policy expiration date. Not all plans can be extended or renewed, so please check your policy terms and conditions for eligibility.

    The Visitors Care plan does not offer any coverage for quarantine.

    Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for the Visitors Care plan is once per policy period, whether you go to the doctor for the same or different medical situations. The maximum policy period for the Visitors Care plan is 12 months. For continuous coverage, without break, for up to 12 months, the deductible would be one time. The Visitors Care Policy, however, can be renewed up to a maximum of 24 months. If you renew the plan beyond 12 months, a new deductible would apply.

    For example:If you initially purchased the plan for 3 months, and renew it before it expires for another three months, you would not need to deal with the deductible, if you have already satisfied in the first three months of coverage. After 12 months of continuous coverage, if you still need to renew the policy, a new deductible would apply.

    The Visitors Care Plan pays a limited fixed amount for every service and treatment. The policy maximum is just the outer limit. The deductible for limited plans is deducted from the fixed benefit amounts, and not the amount that the provider's charge.

    For example: For a doctor's visit for a $50,000 policy maximum, the plans pays up to a maximum of $55. If you choose a $50 deductible, then for the first doctor's visit, the Plan would pay (eligible amount $55- $50 deductible)= $5, irrespective of the amount that the providers charge. Since the deductible is one time in the policy period, after this the plan would a fixed dollar amount for every covered service and treatment, based on the schedule of benefits.The maximum policy period for the Visitors Care Plan is 12 months. The deductible would reapply again, if you continue to renew the plan, even after 12 months of continuous coverage.

    The benefits and cost does not differ if you buy individually or combined Visitors Care 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.
    Yes, you may purchase Visitors Care even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
    The insurance provider for Visitors Care recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
    If your original payment method for Visitors Care is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.
    Learn more from informative articles at Visitor Insurance Information section.

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    How COVID-19 is Covered Under Visitors Care

    COVID-19 Medical Expenses

    COVID-19 Medical Expenses

    Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

    COVID-19 Testing

    COVID-19 Testing

    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

    COVID-19 Vaccination/Booster

    COVID-19 Vaccination/Booster

    COVID-19 vaccination/booster is not covered under the policy.

    Quarantine Benefit

    Quarantine Benefit

    No Coverage

    Emergency Medical Evacuation

    Emergency Medical Evacuation

    Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

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    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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    Optional add-on benefits

    Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

    Disclaimer:
    Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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