VisitorSecure Visitor Insurance
Review the Visitor Secure Insurance, a low-cost insurance plan for relatives or parents visiting USA. VisitorSecure Plan provides cheap and affordable scheduled or fixed travel medical coverage outside home country.
VisitorSecure Insurance is a low-cost plan for relatives or parents visiting USA, or for travel by anyone outside America also. Quote and buy Visitor Secure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year.
Visitor Secure Insurance is designed to protect the visitors health across borders with coverage benefits such as both inpatient and outpatient hospital medical expenses, emergency medical evacuation, and common carrier accidental death and dismemberment. and emergency travel features, and is suitable for a single individual or a group of family members or travelers to any nation. Individuals on one application must fall into one of these categories: below age 69, ages 70 to 79, and age 80 and above. If you will be traveling to the US and are age 65 or above, your date of arrival in the US must be no more than 30 days after your effective date. Visitor Secure Insurance is extendable and renewable up to 12 months of continuous coverage.
VisitorSecure Insurance plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group), and the policy is underwritten by Lloyds, the oldest insurance entity in the world.
Fixed Benefit Plan: All amounts for each medical condition is fixed or capped per the schedule of benefits table as listed in the plan brochure. Also, the plan has NO PPO Network. Hence the plan is able to offer lower cost premiums when compared to comprehensive plans.
Review the Visitor Secure Insurance Brochure for the summary of benefits table, or the Visitor Secure Insurance Description of Coverage document for plan details and more information. Renew Visitor Secure Insurance or extend an existing policy online prior to expiration date, Visitor Secure Insurance is extendable and renewable up to 12 months (364 days) of continuous coverage.
Visitor Secure Insurance Review
Visitor Secure Insurance Review of plan highlights:
- Eligibility: Visitors to USA or international travelers outside their home country (age more than 14 days).
- Policy Maximum: Plan offers maximum coverage choices of $50,000, $75,000, $100,000 and $130,000 per person, per certificate period of coverage. For travelers ages 70 to 79 years, the maximum coverage is limited to $50,000 or $75,000, and for ages 80 years and older it is reduced to $10,000.
- Plan Deductible: Choice of U$0, $50, or $100 deductible per incident/accident per insured member.
- Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
- PPO Network: NO PPO network, treatment can be received with any doctor or hospital of your choice.
- Coverage Benefits: Covered charges is provided for eligible expenses and/or benefits only, examples include instances of Hospital Room and Board, Intensive Care Unit (ICU), Local Ambulance, Prescription Drugs, Physician visits, Surgeon Fees, Hospital Emergency Room (ER), Pre-admission tests and/or Diagnostics: X-Rays, Labs, MRI, etc. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits. Only eligible expenses and/or benefits are included, not all treatment instances are covered, not all Rx drugs covered including ongoing prescriptions, please refer to the “Exclusions” section as in the “Description of Coverage” document for list of plan exclusions.
- Pre-Existing Conditions: Coverage for Acute onset of pre-existing conditions is available with this plan for ages below 70 years only, provides up to selected Medical Maximum per coverage period, and up to $25K per coverage period for Emergency Medical Evacuation. For ages 70-79 years or for ages above 80 years, this benefit is NOT available. Please refer to the “Description of Coverage” document for entire list of excluded items and exact policy term definitions.
- Exclusions: Please refer to the “Description of Coverage” document for entire list of excluded items and exact policy term definitions.
- Underwriter: Policy is underwritten by Lloyd’s, the oldest and largest insurance market in the world.
- Administrator: Plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group), a coverholder at Lloyd’s.
Visitor Secure Insurance Details
Visitor Secure Insurance plan is designed to protect visitors to the US such as relatives or parents visiting USA, friends and family members who visit America, or for travel by anyone outside America also. Individuals and families visiting USA or traveling outside home country need insurance protection for sickness or injury while they are in the U.S. or traveling to another country abroad. VisitorSecure Insurance is a low-cost plan that provides both inpatient and outpatient hospital benefits and many other valuable emergency travel features as part of coverage.
Visitor Secure plan offers basic benefits and services to meet the needs of a wide array of needs for USA visitors or international travelers. With access to emergency medical services and treatment, visitors to USA can enjoy their visit knowing that their health is protected under this plan for sickness/injury. The plan offers periods of coverage from 5 days to 12 months of continuous coverage, and is renewable. Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.
 |
Visitor Secure – Low-cost Fixed Benefit plan name with basic scheduled benefits. |
| Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Visitor Secure Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Visitor Secure Insurance Brochure |
| Renew Coverage Online | Renew VisitorSecure Insurance Online, extend coverage dates from 5 days to a total duration of 12 months (1 year) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Non-US citizens visiting USA with a legal visa status, or Foreign nationals or US citizens traveling outside America and home country. Note: US citizens living abroad (expats) and visiting the United States are NOT eligible to purchase this policy. For individuals coming to the U.S. who are over age 65, coverage must be effective within 30 days of arrival. |
| Plan Selection | Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan. |
| Area of Coverage | Worldwide excluding Home Country coverage. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of 12 continuous months. |
| Certificate Period | The period beginning on the effective date of coverage of this certificate, including any extension purchases, and ending on the termination date. |
| Overall Policy Maximum | Ages 14 days to 69 years: Plan A: $50,000, Plan B: $75,000, Plan C: $100,000 & Plan D: $130,000 Ages 70 to 79 years: Plan A: $50,000 & Plan B: $75,000 Plans C & D: N/A Ages 80 years and above: Plans A: $10,000 Plans B, C & D: N/A Note: This overall policy maximum limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible Choices | Ages 14 days to 69 years: Plans A, B, C & D: $0, $50, or $100 Ages 70 to 79 years: Plans A & B: $100 or $200, Plans C & D: N/A Ages 80 years and above: Plans A: $100 or $200, Plans B, C & D: N/A Note: Deductible per incident/accident per insured member. Deductible is per injury or illness and offers most affordable, balanced and most coverage options. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Preferred Provider PPO Network | No PPO Network, go to any doctor or hospital. Note: If you need help in finding a doctor/hospital, you can use the Atlas Insurance Provider PPO Network to find healthcare service providers. Access care at any doctor or hospital, no savings inside or outside the PPO network. |
| Inpatient Treatment [Subject to the deductible when applicable, and limits per certificate period up to the overall maximum.] |
|
| Hospital Room and Board | Limits per day by plan: Plan A: $1,450, Plan B: $1,725, Plan C: $2,000, & Plan D: $2,585 Note: Maximum number of days is limited to 30 days. Includes miscellaneous hospital service expenses. |
| Intensive Care Unit (ICU) | Limits per day: Plan A: $2,200, Plan B: $2,600, Plan C: $3,000, & Plan D: $3,800 Note: Maximum number of days is limited to 8 days. Includes miscellaneous ICU expenses. |
| Surgery | Limits per session: Plan A: $3,600, Plan B: $4,800, Plan C: $6,000, & Plan D: $7,800 |
| Inpatient Physician Visits | Maximum limit per visit: Plan A: $60, Plan B: $75, Plan C: $90, & Plan D: $115 Note: Limited to 1 visit per day Maximum number of doctor visits is limited to 30. |
| Specialist Consultant Physician | Maximum limit: Plan A: $450, Plan B: $475, Plan C: $500, & Plan D: $650 The specialist consultation must be ordered by attending physician. |
| Private Duty Nurse | Maximum limit: Plan A: $550, Plan B: $550, Plan C: $550, & Plan D: $700 |
| Outpatient Treatment [Subject to the deductible when applicable, and limits per certificate period up to the overall maximum.] |
|
| Surgery | Limits per session: Plan A: $3,300, Plan B: $4,400, Plan C: $5,500, & Plan D: $7,150 |
| Outpatient Surgical Facility | Maximum limit: Plan A: $1,100, Plan B: $1,150, Plan C: $1,200, & Plan D: $1,500 |
| Pre-admission Testing | Plan A: $1,100, Plan B: $1,100, Plan C: $1,100, & Plan D: $1,450 |
| Diagnostic X-ray and Labs | Plan A: $500 maximum, plus $400 for one CAT Scan, MRI or PET Plan B: $550 maximum, plus $450 for one CAT Scan, MRI or PET Plan C: $600 maximum, plus $500 for one CAT Scan, MRI or PET Plan D: $750 maximum, plus $650 for one CAT Scan, MRI or PET |
| Hospital Emergency Room | Maximum limit (with all expenses incurred therein) by plan: Plan A: $375, Plan B: $485, Plan C: $600, & Plan D: $785 |
| Observation Room Services | Maximum limit: Plan A: $355, Plan B: $465, Plan C: $575, & Plan D: $750 |
| Outpatient Prescription Drugs | Maximum limit: Plan A: $150, Plan B: $200, Plan C: $250, & Plan D: $300 |
| Doctor Office Visits | Maximum allowable limits per visit: Plan A: $70, Plan B: $85, Plan C: $100, & Plan D: $130 Note: Overall maximum of 10 visits allowed. Office visits includes Urgent Care or UrgiCare or walk-in clinics. |
| Miscellaneous Inpatient & Outpatient Treatment [Subject to the deductible when applicable, and limits per certificate period up to the overall maximum.] |
|
| Anesthesiologist | Maximum limit: Plan A: $825, Plan B: $1,110, Plan C: $1,375, & Plan D: $1,775 |
| Assistant Surgeon | Maximum limit: Plan A: $825, Plan B: $1,110, Plan C: $1,375, & Plan D: $1,775 |
| Local Ambulance | Maximum limit for Plans A, B, C, & D: $500 |
| Dental Accident | Maximum limit for Plans A, B, C, & D: $550 |
| Physical Therapy | Maximum limit for Plans A, B, C, & D: $500 |
| Dental Accident | Maximum limit per visit for Plans A, B, C, & D: $40 1 visit per day and maximum 12 visits allowed. |
| Mental, Nervous Disorder & Substance Abuse | Treated same as any illness |
| Durable medical equipment | Maximum limit: Plan A: $1,100, Plan B: $1,200, Plan C: $1,300, & Plan D: $1,700 |
| Other Benefits [NOT Subject to the deducible or overall policy maximum] |
|
| Emergency Medical Evacuation | Plans A, B, C, & D: Lifetime Maximum Limit: $50,000 Note: This benefit amount is in addition to the medical maximum. Except as provided under acute onset of pre-existing condition. Available only to members under age 70 years. This benefit must be approved in advance and coordinated by the plan administrator. |
| Return or Repatriation of Mortal Remains | Plans A, B, C, & D: $25,000 per member. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Local Burial or Cremation | Plans A, B, C, & D: 5,000 per member. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Common Carrier Accidental Death & Dismemberment | Plans A, B, C, & D: $25,000 lifetime maximum principal sum per member Death or loss of two limbs: Principal sum Loss of one limb: One-half the principal sum Note: Not subject to deductible. A maximum of $250,000 per insured family involved in the same accident. |
| Acute Onset of Pre-exiting Condition | Lifetime Maximum for Eligible Expenses: Plan A: $50,000 Plan B: $75,000 Plans C, & D: $100,000 Lifetime Maximum for Emergency Medical Evacuation: $25,000 (all Plans) Note: This benefit is only available to members under age 70 years. 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. Chronic and congenital conditions are excluded from coverage benefit. Only “Acute Onset of Pre-existing conditions” is covered for ages below 70 years, up to the specified limit for an acute onset of a pre-existing condition if the condition occurs during your coverage period, and if you receive treatment within 24 hours of the sudden and unexpected recurrence. |
| Miscellaneous Plan Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details. |
| Pre-certification Requirements | 50% reduction of eligible medical expenses for treatments & supplies if Pre-certification provisions are not met. Medical Evacuation: No coverage if not approved by the plan administrator. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the Claims Form available in the Client Zone to submit for claims reimbursement. Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. All claims must be submitted within 60 days from the last day of the certificate period. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If cancellation request is received before coverage start date, full premium cost paid is refunded. After coverage start date, only a partial refund of unused portion of your plan cost is given per below rules: Note: A written (email) request is required. After the certificate effective date, following cancellation rules apply: 1. A $25 cancellation fee will apply for administrative costs incurred by us; and 2. Only the unused portion of the plan cost will be refunded; and 3. You cannot have filed any claims to be eligible for premium refund. |
| Client Zone | Easy access to the Client Zone from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from WorldTrips – a Tokio Marine HCC Group company – 24/7 and 365 days of the year. |
| Plan Administrator | WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group) handles all claims and policy administration services. |
| Insurance Underwriter | VisitorSecure plans are underwritten by Lloyd’s. Lloyd’s of London is the largest and oldest insurance market in the world. |
| Ratings of Insurance Underwriter | Tokio Marine HCC holds a financial strength rating of “AA-” for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company. |
| Application Form | Print and complete paper application, mail/fax the Visitor Secure Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Visitor Secure Insurance Quote |
| Disclaimer | The information provided on this page is only a summary, be sure to read the plan brochure, Certificate of Insurance, and governing policy documents for complete details. All benefits except emergency medical evacuation, repatriation of remains, and common carrier accidental death and dismemberment, are subject to deductible and are per injury or illness, up to the overall policy maximum, unless stated otherwise. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator. |