VisitorSecure Travel Insurance

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HCCMIS has introduced a new product called Visitor Secure which is a cheap and affordable scheduled plan for visitors to USA. This product while similar to the older immigrant secure product has certain unique additional benefits.

Visitor Secure Insurance coverage for Coronavirus

On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country.
If you are an Visitor Secure policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
All travel health insurance plans in the Visitor Secure contain the following exclusion:

Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:

The warning has been in effect within the 6 months immediately prior to your date of arrival, or
You fail to depart the country or location within 10 days following the date the warning is issued

If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling:

Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.

Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location:

You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.

What This Exclusion Means for Visitor Secure Insurance Policyholders

The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.
The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.

If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Visitor Secure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Visitor Secure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.

The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.

Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.

VisitorSecure Plan benefits for travelers aged 14 days to 99 years

Age

Spouse

Start Date

End Date

Coverage

Citizenship

GET QUOTE

VisitorSecure Plan A Plan Maximum $50,000 Deductible BUY NOW	VisitorSecure Plan B Plan Maximum $75,000 Deductible BUY NOW	VisitorSecure Plan C Plan Maximum $100,000 Deductible BUY NOW	VisitorSecure Plan D Plan Maximum $130,000 Deductible BUY NOW
Plan maximum per injury/sickness
$50,000	$75,000	$100,000	$130,000
Inpatient
Hospital Room & Board
$1,450 per day, maximum 30 days	$1,725 per day, maximum 30 days	Up to $2,000/day, 30 day max	Up to $2,585/day, 30 day max
Hospital Intensive Care Unit
$2,200 per day, maximum 8 days	$2,600 per day, maximum 8 days	$3,000 per day, maximum 8 days	$3,800 per day, maximum 8 days
Surgery
$3,600 per session	$4,800 per session	$6,000 per session	$7,800 per session
Consultant physician
$450 maximum	$475 maximum	$500 maximum	$650 maximum
Private duty nurse
$550 maximum	$550 maximum	$550 maximum	$700 maximum
Physician visits
$60 maximum per visit, 30 visits max.	$75 maximum per visit, 30 visits max.	$90 maximum per visit, 30 visits max.	$115 maximum per visit, 30 visits max.
Outpatient
Surgical
$3,300 per session	$4,400 per session	Up to $5,500 per session	Up to $7,150 per session
Outpatient surgical facility
$1,100 maximum	$1,150 maximum	$1,200 maximum	$1,500 maximum
Pre-admission testing
$1,100 maximum	$1,100 maximum	$1,100 maximum	$1,450 maximum
Diagnostic x-ray and labs
$500 maximum, plus $400 for one CAT Scan, MRI or PET	$550 maximum, plus $450 for one CAT Scan, MRI or PET	$600 maximum, plus $500 for one CAT Scan, MRI or PET	$750 maximum, plus $650 for one CAT Scan, MRI or PET
Emergency room (all expenses incurred therein)
$375 maximum	$485 maximum	$600 maximum	$785 maximum
Observation room services
$355 maximum	$465 maximum	$575 maximum	$750 maximum
Outpatient prescription drugs
$150 maximum	$200 maximum	$250 maximum	$300 maximum
Office visits, including urgent care
$70 allowable per visit, 10 visits max.	$85 allowable per visit, 10 visits max.	$100 allowable per visit, 10 visits max	$130 allowable per visit, 10 visits max
Other
Anesthesiologist
$825	$1,110	$1,375	$1,775
Assistant surgeon
$825	$1,110	$1,375	$1,775
Local ambulance
$500 maximum
Dental accident
$550 maximum
Physical therapy
$40 maximum per visit, 1 visit per day, maximum 12 visits
Mental & nervous disorder & substance abuse
Same as any illness
Durable medical equipment
$1,100 maximum	$1,200 maximum	$1,300 maximum	$1,700 maximum
Other Benefits (not subject to deductible or overall policy maximum)
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
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
Acute onset of pre-exiting condition (only available to members under age 70) $25,000 lifetime maximum for emergency medical evacuation
$50,000 lifetime maximum for eligible expenses	$75,000 lifetime maximum for eligible expenses	$100,000 lifetime maximum for eligible expenses