Overview
VisitorSecure is a fixed coverage plan for non-U.S. citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as today or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email. If you request mailing during the application, then physical ID cards, along with the policy will be mailed to you the following business day. If mailed within the United states, you should receive your documents within five to seven business days.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years.
Prescription drugs are covered according to the schedule of benefits for covered medical expenses. More information.
Dental is covered only up to a maximum of $550 for a covered injury to sound and natural teeth. For any practical dental coverage, consider a low cost plan from Careington that provides excellent dental coverage.
VisitorSecure provides coverage anywhere outside of your home country including travel time as well.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
You will have to pay a deductible (varies from $0 to $200, depending upon the age group) per incident (sickness or injury) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.
After that, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay all the difference yourself beyond that, there is no out of pocket maximum.
Schedule of Benefits
| Overall Policy Maximum | ||||
|---|---|---|---|---|
| Ages 14 Days - 59 Years | $50,000 | $75,000 | $100,000 | $130,000 |
| Ages 60 - 69 Years | $50,000 | $75,000 | $100,000 | N/A |
| Ages 70-79 | $50,000 | $75,000 | N/A | N/A |
| Ages 80 & Above | $10,000 lifetime | N/A | N/A | N/A |
| Benefits | ||||
| Office Visits, Including Urgent Care | Up to $70 per visit, 10 visits maximum | Up to $85 per visit, 10 visits maximum | Up to $100 per visit, 10 visits maximum | Up to $130 per visit, 10 visits maximum |
| Outpatient Prescription Drugs | Up to $150 per injury/illness, maximum of 60 days per prescription | Up to $200 per injury/illness, maximum of 60 days per prescription | Up to $250 per injury/illness, maximum of 60 days per prescription | Up to $300 per injury/illness, maximum of 60 days per prescription |
| Emergency Room (All Expenses Incurred Therein) | $375 per injury/illness No coverage if not admitted to hospital, unless for injury. | $485 per injury/illness No coverage if not admitted to hospital, unless for injury. | $600 per injury/illness No coverage if not admitted to hospital, unless for injury. | $785 per injury/illness No coverage if not admitted to hospital, unless for injury. |
| Diagnostic X-Rays & Labs | Up to $500, Additional $400 One CAT scan, PET Scan or MRI, per injury/illness | Up to $550, Additional $450 One CAT scan, PET scan or MRI, per injury/ illness | Up to $600, Additional $500 One CAT scan, PET scan or MRI, per injury/illness | Up to $750, Additional $650 One CAT scan, PET scan or MRI, per injury/illness |
| Hospital Room & Board, Including Miscellaneous | Up to $1,450 per day, 30 days maximum | Up to $1,725 per day, 30 days maximum | Up to $2,000 per day, 30 days maximum | Up to $2,585 per day, 30 days maximum |
| Intensive Care Unit, Including Miscellaneous | Up to $2,200 per day, 8 days maximum | Up to $2,600 per day, 8 days maximum | Up to $3,000 per day, 8 days maximum | Up to $3,800 per day, 8 days maximum |
| Surgery | Up to $3,600 per session | Up to $4,800 per session | Up to $6,000 per session | Up to $7,800 per session |
| Local Ambulance | Up to $500 per injury/illness No coverage if not admitted to hospital. | Up to $500 per injury/illness No coverage if not admitted to hospital. | Up to $500 per injury/illness No coverage if not admitted to hospital. | Up to $500 per injury/illness No coverage if not admitted to hospital. |
Example:
Lets assume that you have taken $50,000 policy maximum with $50 deductible.
Lets assume that the doctor charges $140/visit.
Visit 1: Insurance company covers $70. You have $50 towards the unsatisfied deductible. The plan pays $20 ($70 - $50).
Visit 2: As you have satisfied your deductible, the plan pays $70.For all subsequent visits, up to all covered number of visits, it will continue to pay $70/visit.
You need to go to an emergency room visit which costs you $2,400. The insurance company covers $375. After $50 deductible (if not already satisfied), it will pay $325 and you will pay $2,075.
Let's assume that you were in an accident and are hospitalized for 3 days and needed one surgery and the total bill is $40,000. The insurance company will pay $1,450/day for hospital room/board and $3,600 for surgery for a total of $1,450 x 3 + $3,600 = $7,950, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,050.
Benefits Updated: 07/15/2020