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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
NOTE:
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

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


Extendable

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


Coinsurance

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

Out-Patient

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


In-Patient

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


Surgeon

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

Terrorism

Maximum Limit: $50,000

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