VisitorSecure

Plan Details

Insurance Provider

WorldTrips

Plan Underwriter

Lloyd’s of London

Plan Rating

A.M. Best Rating: A

Plan Category

Travel Medical Insurance

Plan Type

Limited Coverage

PPO Network

United Healthcare PPO Network

Plan Eligibility

Eligibility

For international travelers traveling anywhere outside their home country including the U.S.

Age for Coverage

14 days to 89 years

Coverage Duration

Minimum of 5 days to a maximum of 364 days

Extendable

Yes, up to 364 days

Purchase Restrictions

Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), Israel (ISR), Mayotte (MYT), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)

Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Syria (SYR) & Ukraine (UKR)

Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK) & Ukraine (UKR)

Not available to individuals who are physically located in the states of: Washington (WA), New York (NY) & 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

Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
For individuals coming to the US who are over age 65, coverage must begin within 30 days of arrival

Overall Policy Maximum

Ages 14 Days - 59 Years

Plan A : $50,000
Plan B : $75,000
Plan C : $100,000
Plan D : $130,000

Ages 60 - 69 Years

Plan A : $50,000
Plan B : $75,000
Plan C : $100,000

Ages 70 - 79 Years

Plan A : $50,000
Plan B : $75,000

Ages 80 - 89 Years

Plan A : $10,000

Deductible Options

Ages 14 Days - 59 Years

Plan A : $0, $50, or $100
Plan B : $0, $50, or $100
Plan C : $0, $50, or $100
Plan D : $0, $50, or $100

Ages 60 - 69 Years

Plan A : $0, $50, or $100
Plan B : $0, $50, or $100
Plan C : $0, $50, or $100

Ages 70 - 79 Years

Plan A : $100 or $200
Plan B : $100 or $200

Ages 80 - 89 Years

Plan A : $100 or $200

Pre-Existing Conditions

*Acute Onset of **Pre-Existing Condition(only available to members under age 70)

Plan A : $50,000 lifetime maximum for eligible expenses
Plan B : $75,000 lifetime maximum for eligible expenses
Plan C : $100,000 lifetime maximum for eligible expenses
Plan D : $100,000 lifetime maximum for eligible expenses

Emergency Coverage

Emergency Room(ER)

Plan A : $375 maximum
Plan B : $485 maximum
Plan C : $600 maximum
Plan D : $785 maximum

Local Ambulances

$500 maximum

Out-Patient

Dr. / Physician Visit

Plan A : $70 per visit, 10 visits max
Plan B : $85 per visit, 10 visits max
Plan C : $100 per visit, 10 visits max
Plan D : $130 per visit, 10 visits max

Urgent Care

Plan A : $70 per visit, 10 visits max
Plan B : $85 per visit, 10 visits max
Plan C : $100 per visit, 10 visits max
Plan D : $130 per visit, 10 visits max

Surgical Treatment

Plan A : $3,300 per session
Plan B : $4,400 per session
Plan C : $5,500 per session
Plan D : $7,150 per session

Prescription Drugs / Medicines

Plan A : $150 maximum
Plan B : $200 maximum
Plan C : $250 maximum
Plan D : $300 maximum

Lab & X-rays

Plan A : $500, plus $400 for one CAT Scan, MRI or PET
Plan B : $550, plus $450 for one CAT Scan, MRI or PET
Plan C : $600, plus $500 for one CAT Scan, MRI or PET
Plan D : $750, plus $650 for one CAT Scan, MRI or PET

Physical Therapy

$40 maximum per visit, 12 visits maximum

In-Patient

Hospital Room and Board,Including Miscellaneous

Plan A : $1,450 per day, maximum 30 days
Plan B : $1,725 per day, maximum 30 days
Plan C : $2,000 per day, maximum 30 days
Plan D : $2,585 per day, maximum 30 days

Intensive Care Unit, including miscellaneous

Plan A : $2,200 per day, maximum 8 days
Plan B : $2,600 per day, maximum 8 days
Plan C : $3,000 per day, maximum 8 days
Plan D : $3,800 per day, maximum 8 days

Surgical Treatment

Plan A : $3,600 per session
Plan B : $4,800 per session
Plan C : $6,000 per session
Plan D : $7,800 per session

Dental Coverage

Accident

Plan A : $550
Plan B : $550
Plan C : $550
Plan D : $550

Travel Coverage

Emergency Medical Evacuation

$50,000 lifetime maximum, except as provided under *acute onset of **pre-existing condition
Available only to members under age 70

Repatriation of remains

$25,000 per member

Local burial & cremation

$5,000 per member

Additional Coverage Options

Common carrier accidental death & dismemberment

$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

Am I eligible for the VisitorSecure plan?

If you are a non-United States citizen traveling to the U.S. for a short trip, you are eligible for this plan. The minimum coverage period is 5 days and the maximum coverage period is 364 days. For people 65 and over traveling to the USA, the plan has to be purchased within a month of arrival in USA.

Can I extend the VisitorSecure plan?

Yes, you can extend your coverage in an increment of 5 days or more up to 364 days. You have to extend the policy before it expires. For each extension, there is a $5 fee. Policy can be extended online.

Can I cancel the VisitorSecure plan?

Yes, you can cancel this plan, before the original expiration date. A written request is required for cancellation. If you request a cancellation before the effective start date, you will receive a full refund back. After the start date of the policy, a 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. A $25 cancellation fee would apply. No refund is available if you visit a doctor or provider during the coverage period.

What does the VisitorSecure plan cover? Why is it so much cheaper than the comprehensive plans?

The VisitorSecure plan covers unexpected sickness or injury that starts after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The VisitorSecure plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans because the plan offers very limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

The plan says that the deductible is per-incident or injury or sickness. Does this mean I have to pay the deductible each time I visit a doctor or hospital?

No, you do not have to pay the deductible each time you go to a doctor. Per-incident/per sickness or injury means that the deductible would apply separately to each different sickness or injury. But for each sickness or injury the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts.
For Example: If you have flu and visit the doctor two times for the same problem and the doctor asks you to take some lab tests, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

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