VC

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-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 365 days
urgent-care
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.
BUY

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 brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 79 years

VC

$25,000

Policy Maximum
VC

$50,000

Policy Maximum
VC

$100,000

Policy Maximum
Out-Patient  
Dr. / Physician Visit  
$40 per visit$60 per visit$85 per visit
Urgent Care  
$40 per visit$60 per visit$85 per visit
Surgical Treatment  
$2,000 per surgical session$3,300 per surgical session$5,500 per surgical session
Prescription Drugs / Medicines  
Up to $250 maxUp to $250 maxUp to $250 max
Lab & X-rays  
$400 per period of coverage ($200 per procedure)$450 per period of coverage ($250 per procedure)$500 per period of coverage ($500 per procedure)
Physical Therapy  
$40 per visit per day, 12 visits per period of coverage$40 per visit per day, 12 visits per period of coverage$40 per visit per day, 12 visits per period of coverage
 
In-Patient  
Hospital Room  
$825 per day, 30 day max$1,400 per day, 30 day max$2,000 per day, 30 day max
Surgical Treatment  
$2,000 per surgical session$3,300 per surgical session$5,500 per surgical session
Hospital Intensive Care Unit  
Additional $400 per day, 8 day max per period of coverage$660 per day, 8 day max per period of coverage$850 per day, 8 day max per period of coverage
 
Emergency Services  
Ambulance Expenses  
$250 per period of coverage$450 per period of coverage$475 per period of coverage
Emergency Room(ER)  
$200 max per visit$330 max per visit$550 max per visit
 
Dental  
Acute, spontaneous and unexpected pain  
Not coveredNot coveredNot covered
Accidental emergency  
$550 per period of coverage$550 per period of coverage$550 per period of coverage
 
Travel  
Emergency Medical Evacuation / Repatriation  
$25,000$50,000$50,000
Return of Remains  
$25,000 maximum with $5,000 for local cremation/burial.$25,000 maximum with $5,000 for local cremation/burial.$25,000 maximum with $5,000 for local cremation/burial.
Emergency Reunion  
Not coveredNot coveredNot covered
Return of minor Child(ren)  
Not coveredNot covered
Trip Interruption  
Not covered Not coveredNot covered
Loss of checked Baggage  
Not covered Not coveredNot covered
 
Life  
AD&D  
Not covered Not coveredNot covered
Common Carrier Accidental Death  
$25,000 to Beneficiary $25,000 to Beneficiary$25,000 to Beneficiary
 
Other  
Pre-Existing Conditions  
Acute onset of a pre-existing condition coverage: $25,000Acute onset of a pre-existing condition coverage: $50,000Acute onset of a pre-existing condition coverage: $100,000
Maternity  
Not covered Not coveredNot covered
General Physical full Checkup  
Not covered Not coveredNot covered
Terrorism Coverage  
Not covered Not coveredNot covered
Brochure  
Visitors Care Insurance Brochure brochureVisitors Care Insurance Brochure brochureVisitors Care Insurance Brochure 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.
 

Applicant's Age 80 - 99

VC

$10,000

Policy Maximum
Out-Patient
Dr. / Physician Visit
$50 per visit
Surgical Treatment
$2,000 per surgical session
Prescription Drugs / Medicines
$150 per period of coverage
Lab & X-rays
$650 per period of coverage ($325 per procedure)
Physical Therapy
$25 per visit per day, 12 visit per period of coverage
 
In-Patient
Hospital Room
$825 per day
30 day maximum per period of coverage
Surgical Treatment
$2,000 per surgical session
Hospital Intensive Care Unit
Additional $400 per day, 8 day max per period of coverage
 
Emergency Services
Ambulance Expenses
$250 per period of coverage
Emergency Room(ER)
$200 per visit
 
Dental
Acute, spontaneous and unexpected pain
Not covered
Accidental emergency
$350 per period of coverage
 
Travel
Emergency Medical Evacuation / Repatriation
$25,000
Return of Remains
Up to $7,500 when coordinated through IMG
Trip Interruption
Not covered
Loss of checked Baggage
Not covered
 
Life
AD&D
Not covered
Common Carrier Accidental Death
$25,000 to Beneficiary
 
Other
Pre-Existing Conditions
Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke
Maternity
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Not covered
Brochure
Visitors Care Insurance Brochure brochure
 
Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
 

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

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

Annual Deductible or Deductible Per Policy Period
What is Deductible?

This is the amount that you are responsible for paying before the insurance company begins to pay for any covered expenses.


For example: if you purchase a plan with a $250 deductible and incur $1,500 in expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. For this type of plan, you need to pay the deductible only once per year, which means no matter how many medical services you have taken, the deductible is only applied once as long the length of policy is less than 12 months.
What deductible should I choose?

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.

The choice also depends on your comfort level, and how much you are ready to pay as a deductible in the event you use the insurance. If there is not much difference in premium, then you may choose lower deductible. $100 or $250 can be a good choice.

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

First Health 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

Visitors Care Insurance Brochure 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

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.