Visitors Care
Limited Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation- AM Best Rating
- A- (Excellent)
- Carrier/Underwriter
- Sirius Specialty Insurance Corporation
- Administrator
- IMG
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Extendable & Cancelable
Basic Coverage Plan
Coverage from 5 days to 365 days
Urgent Care
COVID-19 Excluded
- Not Available for Addresses from the Following US States: Maryland
Not available if Home Country/Country of Residences is: United States
Not available for Citizens of: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone & United States Not available if Home Country is: Cuba, Iran, North Korea, Syria, United States, and Venezuela.
Visitors Care insurance provides insurance coverage for international travelers visiting the USA.
Visitors Care insurance is a basic travel health plan that has a fixed pre-defined limit for each medical service.
You can visit any doctor or hospital of your choice.
Note: Visitors Care Plan is not available for the resident of Maryland (MD).
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 Visitors Care Insurance Brochure or Description of Coverage
(policy document) for complete and accurate coverage and exclusions.
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Eligibility
Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2) travelling outside their home country. For person over 65 coverage must begin within 30days of arrival in US(condition waived with proof of previous valid insurance ).
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
This is the amount that you are responsible for paying before the insurance company begins to pay for any covered expenses.
For this type of plan, deductible is applied only once a year. Higher the deductible, lower the premium, so you may consider higher deductible if want to keep the premium low.
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 life of plan
Deductible Type
Per Certificate Period up to the Maximum Per Period of Coverage (12 months max). If renewed beyond 12 months, new deductible would apply.
Renewability
Can be extended at one time for a minimum 5 days to a maximum coverage period of 12 month. After that the plan can be extended for up to maximum of 24 months. A $5 extension fee applies for each extension.
Cancellation
1) No refund available if you need to visit doctors with the policy. 2) Full refund available if cancelled before start date. 3) Pro-rated refund available after start date if no visits the doctors have been made. 4) $25 Cancellation Fee Applicable. 5) Written request or e-mail is required for any cancellation and refund
PPO Network
Coverage Length
Min 5 days-Max 12 Months, coverage can be extended up to 2 years by renewing
Available Deductibles
Choose From: $0, $50, $100
Ages 80 & Over: $50, $100
Available Coverage
Plan A: $25,000 per life of plan
Plan B: $50,000 per life of plan
Plan C: $100,000 per life of plan
Ages 80 & Over
Maximum coverage $10,000 per life time of policy.
Benefit amounts would correspond to Plan A $25,000
Provider Directory
By Provider, Phone Nos. : 800-628-4664 or 317-655-4500
Plan Brochure
Home Country Definition
U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
US States Restrictions
Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State
Country Restrictions
Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana
Visitors Care Insurance FAQs | |
Q1: Am I eligible for the Visitors Care plan? If you are a Non - U.S. citizen travelling outside your home country, you are eligible for this plan. For people over 65, this plan must be purchased within 30 days of arrival in USA. This requirement is waived with proof of previous valid insurance. The minimum coverage period is 5 days and the maximum coverage period is 12 months. | |
Q2: Can I extend the Visitors Care plan? Yes, you can can extend this plan, before the policy expires. The policy can be extended at a increment of minimum 5 days to maximum of 12 months at one time. You can extend the policy for a maximum of 24 months. | |
Q3: Can I cancel the Visitors Care plan? Yes, you can cancel this plan. 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 there is a claim on file. | |
Q4. What does the Visitors Care plan cover? Why is it so much cheaper than the comprehensive plans? 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. | |
Q5. What is Deductible? How many times do I need to pay the deductible? 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. | |
Q6: How does the Deductible work in Visitors Care Plan? 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. | |
Q7: Does this plan cover any pre-existing conditions? The Visitors Care policy offers coverage for acute onset of pre-existing conditions which is the sudden an unexpected recurrence of pre-existing conditions. | |
Q8: Which doctor or hospital can I go to? 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. | |
Q9: What information do I need to purchase this insurance? Name(s), date of birth, and passport number of the visitor(s). | |
Q10. 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. | |
Q11. When will I receive my ID card? The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. You can print out the ID card after you purchase the insurance and it will be emailed to you as well. Keep the email safe and keep a printed copy as well. | |
Q12: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
Q13: Where can I find the claim information? Please refer to the following article for the claim process: Visitor Insurance Claim Process | |
Q14: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs 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.