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VisitorSecure Insurance Reviews 2026

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VisitorSecure is a budget-friendly, fixed-benefit visitor medical insurance plan for international travelers visiting the USA - covering hospitalization, physician visits, and acute onset of pre-existing conditions on a scheduled-benefit basis. Plans start from around $38/month.

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Visitor Secure Insurance Review
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Policy maximum help
$50,000, $75,000, $100,000, $130,000
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Deductible help
$0, $50, $100
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Fixed benefit plan help
Budget-friendly coverage with some of the most affordable premiums available.
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Renewability help
Up to 364 days
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Pre-existing conditions help
Acute onset covered up to 70 yrs
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PPO network help
UnitedHealth care network
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AM Best Rating
A++
★★★★★

Trusted by thousands of international travelers

VisitorSecure is underwritten through Tokio Marine HCC (TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company) - one of the world's leading specialty insurance groups, giving you the financial backing of an A++ (Superior) rated carrier.

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Is VisitorSecure Travel Insurance Worth It?

VisitorSecure is a fixed-benefit (also called "scheduled-benefit") travel medical insurance plan built for international travelers visiting the USA, as well as for U.S. citizens traveling abroad. Instead of paying a percentage of the actual bill after your deductible, VisitorSecure pays a pre-set dollar amount for each covered service, up to the limits listed in the plan's schedule of benefits. That structure keeps the monthly cost low, which is why VisitorSecure regularly comes up in searches for cheap visitor insurance USA.

The plan is especially popular with families bringing parents or older relatives to the U.S., since for travelers up to age 70, it includes coverage for the acute onset of pre-existing conditions - a sudden, unexpected flare-up of a condition the traveler already had.

What is great about this plan: This is a very economical plan. This plan is available for US citizens and residents for travel outside the US.

Downsides to this plan: Because it's a fixed-benefit plan, the amount VisitorSecure pays for a given service may be lower than the actual bill, especially for expensive hospital stays or surgery - the traveler is responsible for the difference. It also does not cover routine or chronic pre-existing conditions, and coverage for travelers 80 and older is capped at $10,000.

After buying the plan, travelers can get their plan documents and insurance ID card using the VisitorSecure login. At American Visitor Insurance, US Travelers can contact the VisitorSecure customer service team to get help with plan details, quotes, and other questions. Our licensed agents are glad to help.

Client Stories

WorldTrips VisitorSecure Travel Medical Insurance Reviews

★★★★★

"I got a really great deal using World Trips Atlas insurance for my son. They found me the quote within minutes and it was by far the best on the market. Thank you!"

CP
Cupa
✓ Verified Customer
★★★★

"Have not been on our trip yet but obtaining the insurance based on the different services provided was outstanding and made the decision easy on which plan to purchase."

AM
Amelia
✓ Verified Customer
★★★★★

"Easy to review plans and was very reasonably priced despite my husband having a preexisting medical condition. Customer service was extremely patient and helpful."

JN
Jennifer
✓ Verified Customer
Who Qualifies

Eligibility Requirements

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Non-U.S. and U.S. Residents

Available for non-U.S. citizens and residents traveling to the United States, and for U.S. citizens and residents traveling outside the continental U.S., Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands.

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Travel & Work Requirement

Coverage applies only while traveling outside your home country. VisitorSecure covers trips to the USA as well as international travel to other destinations.

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Age Requirements

Applicants must be at least 14 days old. Coverage is available up to age 99. Travelers over age 65 arriving in the U.S. must purchase coverage effective within 30 days of arrival. Acute onset of pre-existing condition coverage is available up to age 70.

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Coverage Duration

Plans are available from a minimum of 5 days up to 364 days and can be renewed online within that limit.

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Who Cannot Apply

VisitorSecure is not available to travelers physically located in New York, Maryland, or Washington, or in Canada or Australia, at the time of purchase. It's also not available to residents of, or travelers to, Belarus, Russia, Iran, or Ukraine.

Best for

Who Should Buy VisitorSecure?

1. Parents and relatives visiting the U.S. on a B1/B2 visa seeking affordable medical coverage.
2. Non-U.S. residents visiting the U.S. for tourism or family visits who want low-cost visitor insurance.
3. Travelers under age 80 wanting acute onset pre-existing condition coverage at a lower cost.
4. U.S. residents traveling abroad who need affordable international medical insurance.
5. Budget-conscious travelers comfortable with fixed-benefit coverage instead of comprehensive plans.

Why Travelers Choose VisitorSecure Fixed Benefit Insurance?

  • One of the most affordable WorldTrips visitor insurance plans available
  • No coinsurance - the plan pays the scheduled benefit amount, not a percentage, once the deductible is met
  • Acute onset of pre-existing conditions covered up to age 70, up to the chosen plan maximum
  • Emergency medical evacuation up to $50,000 lifetime maximum (for travelers under 70)
  • COVID-19 Emergency Quarantine Indemnity of $50/day for up to 10 days
Quick Analysis

Pros & Cons of VisitorSecure Insurance

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Visitor Secure advantages

7 benefits
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Very affordable, budget-friendly premiums starting around $38/month

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No coinsurance - plan pays a fixed amount per service, not a percentage of the bill

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Acute onset of pre-existing conditions covered up to age 70

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Renewable online for up to 364 days

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Emergency Quarantine Indemnity for COVID-19 included ($50/day, up to 10 days)

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Full premium refund if canceled before the effective date

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Dental treatment for pain relief covered up to $500

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Visitor Secure disadvantages

6 limits
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Fixed/scheduled benefit structure - the plan may not cover the full billed amount

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Only $10,000 maximum coverage for travelers age 80 and above

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Medical expenses must be pre-certified in some cases to avoid a 50% benefit reduction

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Lower plan maximums than comprehensive plans like Atlas America (up to $130,000 vs. up to $2,000,000)

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Chronic or congenital pre-existing conditions are not covered

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Emergency medical evacuation limited to $50,000 (or $25,000 lifetime max when tied to an acute onset event)

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Pricing Guide

How Much Does VisitorSecure Insurance Cost?

VisitorSecure Plan Options

VisitorSecure offers four plans - A, B, C, and D - with policy maximums from $50,000 to $130,000. Higher-maximum plans have stricter age limits, so older travelers should start with Plan A or B.

Plan Overall Policy Maximum Available Ages
Plan A $50,000 14 days - 99 years ($10,000 max for age 80+)
Plan B $75,000 14 days - 79 years
Plan C $100,000 14 days - 69 years
Plan D $130,000 14 days - 59 years
Deductible Options by Age

Deductible choices depend on age and plan. Travelers under 60 get the most flexibility ($0, $50, or $100 across all plans), while options narrow with age - down to just $100 or $200 on Plan A for travelers 80+.

Age Plan A Plan B Plan C Plan D
14 days - 59 years $0, $50, $100 $0, $50, $100 $0, $50, $100 $0, $50, $100
60 - 69 years $0, $50, $100 $0, $50, $100 $0, $50, $100 Not available
70 - 79 years $100 or $200 $100 or $200 Not available Not available
80+ years $100 or $200 Not available Not available Not available

VisitorSecure Insurance costs ranges from $38 and $221 per month, depending on the travel destination, traveler's age, coverage limit, and deductible selected. U.S. travel typically costs more than travel outside the U.S.

Sample rates below are based on a $0 deductible, across policy maximums of $50,000 to $130,000. Premiums rise with age and coverage amount, and travelers visiting the U.S. generally pay more than those traveling outside the U.S.

Ages 0–79: $50,000, $75,000, $100,000 and $130,000 Age 80-99: $50,000 only
Age of Traveler $50,000 $75,000 $100,000 $130,000
18 - 29 years $38 $47 $54 $70
30 - 39 years $42 $51 $57 $75
40 - 49 years $44 $54 $60 $80
50 - 59 years $61 $72 $84 $108
60 - 69 years $72 $82 $94 Not Available
70 - 79 years $96 $140 Not Available Not Available
80 - 99 years $221 Not Available Not Available Not Available

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

How it compares

VisitorSecure vs Competitor Plans

See how VisitorSecure compares with leading visitor insurance plans like Visitors Care (IMG), Safe Travels Elite (Trawick International).

Feature VisitorSecure Visitors Care Safe Travels Elite
Max coverage $130,000 $100,000 $175,000
PPO network (USA) UnitedHealthcare UnitedHealthcare FirstHealth PPO
Pre-existing coverage Acute onset up to age 70 Acute onset available on select tiers Acute onset up to age 70
Deductible options $0, $50, $100 (under 70); $100/$200 (70+) $0, $50, $100 $0
Emergency evacuation Up to $50,000 Up to $50,000 on select tiers $100,000 on select tiers
Renewable period 364 days 364 days 364 days
AM Best rating A++ (Superior) A (Excellent) A (Excellent)
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VisitorSecure Insurance Reviews vs Competitor Plans - Summary

  • Coverage & Pricing: VisitorSecure offers up to $130,000 in coverage (Plan D), making it competitive among low-cost fixed-benefit visitor insurance USA options, while remaining one of the more affordable choices by monthly premium.
  • Network Access: VisitorSecure uses the UnitedHealthcare for U.S. treatment on policies purchased after July 2019, similar to Visitors Care.
  • Pre-existing Conditions: VisitorSecure provides coverage for acute onset of pre-existing conditions up to the age of 70, which is broader than many other fixed-benefit plans.
  • Structure: All three plans compared here are fixed/scheduled benefit plans, meaning they pay a set dollar amount per service rather than a percentage of the bill - a key difference from comprehensive plans like Atlas America.
  • Financial Strength: VisitorSecure is backed by an A++ (Superior) AM Best rating, matching the highest tier among fixed-benefit options in this comparison.
  • Overall Positioning: VisitorSecure is a strong choice for travelers who want the lowest possible premium, are comfortable with scheduled benefit limits, and still want acute onset of pre-existing condition protection for older travelers.
Claim Example

How VisitorSecure Insurance Works?

Even with cheap travel medical insurance, the coverage can be substantial. Suppose a 58-year-old parent visiting from India falls ill, visits an urgent care clinic, then is hospitalized for two nights. Here is exactly what VisitorSecure Insurance pays.

Example: VisitorSecure Plan A · $50,000 max · $100 deductible · Age: 58
Service Hospital bills Plan pays You pay
Deductible Paid once per policy period $100 $0 $100
Hospital room (3 nights) $3,000/day × 3 $9,000 $4,350 ($1,450/day × 3) $4,650
Surgery $15,000 $3,600 $11,400
Prescription Drugs $500 $150 $350
Total $24,600 $8,100 $16,500

Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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$100 Deductible Coverage

Choose a $100 deductible to keep your premium affordable while reducing upfront costs.

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PPO reduces gap

Using the First Health can help lower medical bills and reduce your out-of-pocket expenses through negotiated provider rates.

Real Claim Example

How VisitorSecure Insurance Works in Practice?

To better understand how VisitorSecure performs, here are examples based on common traveler experiences:

1

Parents Visiting from Abroad

Harvey (68) and Donna (64) fly to the US to visit their daughter for 3 months. Harvey has a history of high blood pressure that's been stable for years. During the trip, he has a sudden episode requiring an ER visit - an acute onset event. VisitorSecure's acute onset of pre-existing condition benefit (available up to age 70) can help cover eligible ER and hospital charges up to the plan's scheduled limits, cutting the family's out-of-pocket exposure significantly compared to having no coverage at all.

2

Budget-Conscious Tourist

A tourist visiting the US for a two-week vacation wants basic protection against an unexpected injury or illness without paying for a full comprehensive plan. VisitorSecure's Plan A, with a $50,000 maximum and $0 deductible, gives them coverage for physician visits, urgent care, and hospitalization at one of the lowest monthly costs among WorldTrips plans.

3

US Citizen Traveling Abroad

A U.S. resident heading overseas for a month-long trip needs coverage outside their home country. Since VisitorSecure is also available to U.S. citizens and residents traveling outside the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, they can purchase the same fixed-benefit plan for their international trip.

Provider Access

VisitorSecure Insurance PPO Network - How It Works

VisitorSecure has no PPO network - you're free to visit any doctor or hospital in the U.S. Because it's a fixed-benefit plan, though, it pays a pre-set dollar amount for each covered service (up to the limits in the schedule of benefits) rather than a percentage of the actual bill, so you may be responsible for the difference on larger expenses.

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Simple Process

How Do I File a Claim With VisitorSecure Insurance?

To file a claim with VisitorSecure Insurance, follow these steps:

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Step 01
Download Form

Get the WorldTrips claim form from the member portal.

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Step 02
Call Support

Speak to our licensed support staff for guidance.
800-605-2282

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Step 03
Submit Documents

Mail to WorldTrips PO Box 240358 Apple Valley, MN 55124

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Step 04
Email Help

service@worldtrips.com

Common Questions

VisitorSecure Insurance - FAQs

VisitorSecure is a fixed-benefit plan built for international travelers visiting the USA, or for anyone heading outside their home country. It's there for the things you hope you'll never need: emergency medical expenses, hospitalization, and other unexpected health or accident-related events, including acute onset of pre-existing conditions.
If you're an international traveler coming to the USA (or anywhere else) for tourism, a family visit, or business, you can get VisitorSecure starting from 14 days of age. It also works the other way around - U.S. citizens and residents traveling outside the continental U.S., Alaska, Hawaii, Puerto Rico, or the U.S. Virgin Islands are eligible too.
The core essentials are covered: emergency medical expenses, hospitalization, physician visits, prescription drugs, emergency medical evacuation, dental pain relief, and accidental death and dismemberment benefits. Each of these comes with its own scheduled benefit limit, so it's worth a quick look at the plan details.
It really comes down to a few factors - your age, how long you need coverage, the plan maximum you choose, and your deductible. Premiums start at around $38 a month for younger travelers on Plan A. As a general rule, higher coverage limits push the premium up, while a higher deductible brings it back down.
VisitorSecure covers the acute onset of pre-existing conditions up to age 70, up to whatever policy maximum you've selected, with emergency medical evacuation tied to that event capped at $25,000 lifetime. Chronic and congenital conditions, though, aren't covered.
Because of how the plan is built. Instead of paying a percentage of your actual medical bill, VisitorSecure pays predetermined, fixed amounts for each covered service. That scheduled-benefit structure is exactly what keeps premiums lower than comprehensive visitor insurance plans.
For a lot of families, yes. It's a popular budget choice for visiting parents since it includes acute onset coverage up to age 70 and keeps monthly premiums low. One thing to know: once a traveler turns 80, the policy maximum drops to $10,000.
VisitorSecure is the fixed-benefit, lower-premium option with policy maximums up to $130,000. Atlas America is the comprehensive plan, paying eligible expenses after your deductible with maximums up to $2 million and noticeably broader financial protection. Which one's right for you really depends on whether you're prioritizing cost or coverage depth.
Definitely - this is actually one of the more common reasons people buy it. VisitorSecure can be purchased for parents, relatives, and other visiting family members, as long as they meet the eligibility requirements. If you're not sure what applies to your situation, American Visitor Insurance agents at (877) 340-7910 can help you compare options.
You can get coverage for anywhere from 5 days up to 364 days, and yes, it can be renewed online before your current policy expires.
Reach out to WorldTrips as soon as you're able to. They'll guide you on where to get care and how to move forward with the claims process from there.
You'll submit your claim directly to WorldTrips, along with medical records, receipts, and any other required documentation. If you need a hand navigating the process, American Visitor Insurance agents are available to assist.
If you cancel before your coverage's effective date, you're entitled to a full refund. Cancel after it's already active, and you'll only get back the unused portion of the premium - a cancellation fee may also apply.
Yes, completely. VisitorSecure is administered by WorldTrips, part of the Tokio Marine HCC group, which holds an A++ (Superior) AM Best rating. It's offered through licensed insurance agencies like American Visitor Insurance, so you're in safe hands.
WorldTrips VisitorSecure Insurance · From $38/month
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