Visitors Care is a fixed coverage plan for non-U.S. residents traveling outside their home country to the U.S. for a minimum of 5 days. It is a scheduled benefit plan that pays a fixed amount for each and every procedure. The plan is suitable for travelers seeking basic coverage benefits at an affordable price The plan offers maximums limits ranging from $25,000 to $100,000 and various deductibles options ranging from $0 to $100. The coverage duration ranges from 5 days to 12 continuous months , The minimum age for coverage is 14 days old and up to, less than 79 years of age. The plan pays 100% of the scheduled benefit limit. It offers coverage for acute onset of pre-existing conditions for individuals below 70 years of age. Additionally it includes benefits such as Intensive care, pre-admission testing, urgent care clinic and walk in clinic, prescriptions, Dental accident, incidental trip, and other benefits.Visitors Care uses the First Health PPO network, a widely recognised PPO network all over the U.S., Covid-19 covered like any other illness or injury. Visitors Care is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- "Excellent" by A.M. Best.

Key Highlights:

  • Offers coverage For Acute Onset of Pre-Existing Conditions
  • Maximum Limits from $25,000 to $100,000
  • Deductible options from $0 to $100
  • Emergency Medical Evacuation Up to $50,000
  • Return Of Mortal Remains Up to $25,000
  • Common Carrier Accidental Death Up to $25,000
  • Local Burial / Cremation Up to $5,000
  • Terrorism Up to $50,000
  • Covid-19 coverage included
  • Urgent Care
Visitors Care Plan is not available for the resident of Maryland (MD).
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

International Medical Group

Plan Underwriter

Sirius Point

Plan Rating

A.M. Best Rating: A

Plan Category

Travel Medical Insurance

Plan Type

Limited Coverage

Plan Eligibility


For non U.S residents and non U.S citizens traveling to the U.S.

Age for Coverage

14 days to 79 years, Age 80 years and older

Coverage Duration

Minimum of 5 days to a maximum of 365 days


Yes, up to 365 days

Purchase Restrictions
Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)

Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA), Sierra Leone (SLE) & United States (USA)

Not available to individuals who are physically located in the states of: New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states

Not available to individuals who are non U.S citizens residing in the states of: Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states
Policy Maximum, Deductibles & Medical Coverage Limits

Period of Coverage

Twelve (12) continuous months of maximum coverage

Period of Coverage per Injury or Illness Maximum Limit

Lite: $25,000
Plus: $50,000
Platinum: $100,000


Plan Pays: 100% of scheduled Benefit Limit
The insured is responsible for charges that are not considered eligible medical expenses and exceed the maximum limits stated in the Inpatient services, outpatient services, emergency services, and other services

Pre-Existing Conditions

Acute Onset of Pre-existing Conditions(Insured Person must be under 70 years of age)

Maximum Limit:
Lite: $25,000
Plus: $50,000
Platinum: $100,000

Emergency Coverage

Emergency Local Ambulance

Maximum Limit:
Lite: max up to $250
Plus: max up to $450
Platinum: max up to $475


Outpatient Physician

Maximum per visit: Lite $40 | Plus: $60 | Platinum: $85
Maximum visits per day: 1 per day, Maximum visits: 10

Urgent Care Clinic and Walk-in Clinic

Maximum per visit: Lite $40 | Plus: $60 | Platinum: $85
Maximum visits: 10

Hospital Emergency Room

Maximum per visit: Lite: $200 | Plus: $300 | Platinum: $550

Surgical Facility

Maximum per Surgical session: Lite: $750 | Plus: $900 | Platinum: $1,000


Inpatient Physician

Maximum per visit: Lite $40 | Plus: $60 | Platinum: $85
Maximum visits per day: 1 per day, Maximum visits: 10

Hospital / Room & Board

Maximum per day: Lite: $825 | Plus: $1,400 | Platinum: $2,000
Average semi private room rate, Maximum days 30

Intensive Care

Additional benefit per day Lite $400 | Plus: $660 | Platinum: $850
Maximum days 8


Maximum per Surgical session: Lite: $2,000 | Plus: $3,300 | Platinum: $5,500

Dental Coverage

Dental Accident

Maximum Limit: $550
Subject to deductible

Travel Coverage

Emergency Medical Evacuation

Maximum Limit:
Lite: $25,000 | Plus: $50,000 | Platinum: 50,000

Return of Mortal Remains

Maximum Limit:
Lite: $25,000 | Plus: $25,000 | Platinum: 25,000

Incidental Trip

Maximum days: 14

Additional Coverage Options


Maximum Limit: $50,000

Visitors Care FAQs

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.

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.

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.

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.

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.

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