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Visitors Care

Visitors Care Insurance, Affordable US visitors medical insurance

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Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Brochure
Advantages
COMPARATIVE ADVANTAGES
Cheaper Plan.

$25,000 coverage, suitable for travelers looking for less coverage.

Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5,000 per period of coverage for ages 0-69 and up to $2,500 per period of coverage for 70+ travelers.

Can be renewed up to two years.

Deductible per period of coverage.

Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.

Part of a PPO network available.

Only plan that offers extended care facility ( Plan A is $150/day, plan B is $200/day and Plan C is $250/day up to 15 days per policy period)
Disadvantages
DISADVANTAGES
It is a fixed benefit plan.

This plan is available only for non-Us citizens traveling outside their home country.

Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US.

Only $10,000 coverage for 80+ travelers.
Example
Fixed Plans
FIXED PLAN
Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable.
Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Claims
Renewal
Provider Network

Plan Benefits of Visitors Care insurance

Age

Age 2

Start Date

End Date

Coverage

Citizenship

GET QUOTE

Visitors Care Plan A Plan Maximum $25,000 Deductible BUY NOW	Visitors Care Plan B Plan Maximum $50,000 Deductible BUY NOW	Visitors Care Plan C Plan Maximum $100,000 Deductible BUY NOW	Visitors Care Plan A Plan Maximum $10,000 Deductible BUY NOW
Inpatient
Hospital Room & Board
Up to $825 per day, 30 day maximum per period of coverage	Up to $1,400 per day, 30 day maximum per period of coverage	Up to $1,950 per day, 30 day maximum per period of coverage	Up to $825 per day, 30 day maximum per period of coverage
Hospital Intensive Care Unit
Up to an additional $400 per day, 8 day maximum per period of coverage	Up to an additional $660 per day, 8 day maximum per period of coverage	Up to an additional $850 per day, 8 day maximum per period of coverage	Up to an additional $400 per day, 8 day maximum per period of coverage
Surgical Treatment
Up to $2,000 per surgical session	Up to $3,300 per surgical session	Up to $5,500 per surgical session	Up to $2,000 per surgical session
Physician Consult
Up to $350 per period of coverage	Up to $450 per period of coverage	Up to $500 per period of coverage	Up to $350 per period of coverage
Pre admission tests
Up to $750 per period of coverage	Up to $1,100 per period of coverage	Up to $1,100 per period of coverage	Up to $750 per period of coverage
Private duty nurse
Up to $400 per period of coverage	Up to $550 per period of coverage	Up to $550 per period of coverage	Up to $400 per period of coverage
Physician visits
Up to $40 per visit, 30 visits per period of coverage	Up to $60 max per visit 30 max visits per period of coverage	Up to $85 per visit, 30 visits per period of coverage	Up to $40 per visit, 30 visits per period of coverage
Acute Onset of Pre-Existing Conditions
$25,000 max per coverage period	$50,000 max per coverage period	$100,000 max per coverage period	$100,000 max per coverage period
Outpatient
Surgical Treatment
Up to $2,000 per surgical session	Up to $3,300 per surgical session	Up to $5,500 per surgical session	Up to $2,000 per surgical session
Surgical facility fee
Up to $750 per surgical session	Up to $900 per surgical session	Up to $1,000 per surgical session	Up to $750 per surgical session
Diagnostic x-ray & lab
Up to $650 per period of coverage, ($325 per procedure)	Up to $800 per period of coverage, ($400 per procedure)	Up to $950 per period of coverage, ($475 per procedure)	Up to $650 per period of coverage, ($325 per procedure)
Hospital emergency room
Up to $200 per visit	Up to 75% of URC to $330 per visit	Up to 75% of URC to $550 per visit	Up to $200 per visit
Prescription drugs
Up to $250 per period of coverage.	Up to $250 per period of coverage.	Up to $250 per period of coverage.	Up to $150 per period of coverage.
Physician visits
Up to $50 per visit, 10 visits per period of coverage	Up to $55 per visit, 10 visits per period of coverage	Up to $85 per visit, 10 visits per period of coverage	Up to $50 per visit, 10 visits per period of coverage
Miscellaneous In Inpatient and Outpatient Treatment
Anesthetist
Up to $450 per surgical session	Up to $825 per surgical session	Up to $1,375 per surgical session	Up to $450 per surgical session
Assistant surgeon
Up to $450 per surgical session	Up to $825 per surgical session	Up to $1,375 per surgical session	Up to $450 per surgical session
Other Coverage
Local Ambulance
Up to $250 per period of coverage	Up to $450 per period of coverage	Up to $475 per period of coverage	Up to $250 per period of coverage
Dental for accident to sound natural teeth
Up to $550 per period of coverage	Up to $550 per period of coverage	Up to $550 per period of coverage	Up to $350 per period of coverage
Physical therapy
Up to $40 max per visit per day, 12 max visits per period of coverage	Up to $40 per visit per day, 12 visits per period of coverage	Up to $40 per visit per day, 12 visits per period of coverage	Up to $25 per visit per day, 12 visits per period of coverage
Extended care facility
Up to $150 per day, 15 day maximum per period of coverage	Up to $200 per day, 15 day maximum per period of coverage	Up to $250 per day, 15 day maximum per period of coverage	Up to $150 per day, 15 day maximum per period of coverage
Urgent Care Center
$40 max per visit/10 max visits	$60 max per visit/10 max visits	$85 max per visit/10 max visits	$40 max per visit/10 max visits

Insurance Provider
International Medical Group

Period of Coverage
5 days to 2 years

Policy Maximum^?
$25,000, $50,000, $100,000

Renewal
up to 2 years unless there is a break in coverage.

Deductible Options^?
$0, $50, $100 per period of coverage

Rating
AM Rating : A (Excellent)

Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

International Medical Group’s Visitors Care Insurance for US visitors

Eligibility

Non US citizens travelling outside their home country.
For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.

Renewability

Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.

International Emergency Care

Emergency Evacuation
Visitors Care Plan A - $25,000; Visitors Care Plan B & C - $50,000
Return of Mortal Remains or Cremation/Burial
Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.

Special Coverage

Incidental Home Country Coverage
During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
Common Carrier Acciental Death Coverage
$25,000.

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