Travel Medical USA Visitor Basic vs Visitors Care Insurance Reviews
International Tourists and Visitors to the US must be cautious of some travel and health risks while travelling. The domestic health insurance would not offer coverage in the US. While visiting US can be a great experience, a sudden or an unfortunate situation like sudden sickness or injuries due to accident resulting to hospitalization can be traumatic if the tourists doesn’t possess good US visitor medical insurance. THere the visitor can compare US visitor insurance cost of Travel Medical USA Visitor Basic insurance and Visitors Care insurance plans by reviewing their unique Visitors medical insurance benefits.
They offer specific benefit limits for specific medical expenses. Travel Medical USA Visitor Basic Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years. Visitors Care Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years.It also has AM Best Rating: A++ (Superior) rating.
Factors for comparing Seven Corners vs IMG travel insurance
Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Travel Medical USA Visitor Basic insurance and Visitors Care insurance:
01. Compare medical maximum coverage
This the maximum coverage that the plan would offer for the medical expenses. Travel Medical USA Visitor insurance offers maximum coverage up to $150K and Visitors Care insurance offers coverage up to $100K. The coverage may vary for older travelers with reduced plan maximum.
02. Compare deductible options
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Both the plans offer the deductible options of $0, $50 and $100.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
04. Contrast the renewability options
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA insurance can be extended for a minimum of 5 days to 364 days while Diplomat America plan is not renewable.
05. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries While Diplomat America Non US citizens and Non-US residents while visiting the United States,this plan is available to the US citizens visiting US on business trips and vacation while living abroad
06. Pre-existing conditions coverage
Travel Medical USA Visitor Basic pre-existing condition travel insurance- Covers up to 79 years.
- Covers up to 70 years.
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Travel Medical USA | Visitors Care |
|---|---|---|
| What is a Pre-Existing Condition definition? |
Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age. |
The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage. |
| What types of pre-conditions are covered? |
|
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | There is no look back period | There is no look back period |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| What is the maximum age for eligibility? | Covered up to age 89 | 24 months waiting period |
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Travel Medical USA
- Yes
- Yes
- Yes, covers up to 79 years
- Yes
- $0 to $200
- "A" Excellent
- Yes
- Lloyd’s, London
- Seven Corners
- Buy Now
- Visitors Care
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- $0 to $100
- A (Excellent)
- Yes
- Sirius
- IMG
- Buy Now
Key Highlights
Travel Medical USA Visitor Basic vs Visitors Care Insurance - FAQs
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What if the traveller pays for a healthcare service and needs reimbursement?Refer the ID cards provided by SevenCorners Insurance at the time of Travel Medical USA Visitor enrolment which will have all the necessary information for reimbursement.
How to use Travel Medical USA Visitor Basic while receiving treatment?When you visit a medical provider, explain to them that you have Travel Medical USA Visitor Basic insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.
What is the meaning of acute onset of pre-existing conditions?According to SevenCorners policy brochures, The sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.
Does Travel Medical USA Visitor Basic insurance cover acute onset of pre-existing conditions?Travel Medical USA Visitor Basic offers coverage for acute onset of pre-existing conditions. Visitors to USA aged less than 70 years can avail coverage up to $50K and visitors aged between 70 and 79 years are covered for $25K. No coverage for visitors above 80 years for pre-existing conditions.
What is the meaning of “Travel Medical USA Visitor Basic insurance is a fixed benefit plan”?Travel Medical USA Visitor Basic insurance is an affordable US visitor insurance having specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum. You can visit any hospital or doctor, since there will be no discounted rates, the plan will only pay up to the clearly defined limits for different expenses.
Which is the best visitor insurance in USA?The best US visitor insurance will vary from traveler to traveler depending on their unique needs. While some international visitors will look for the cheapest travel insurance plan (sometimes for Visa purposes), others will look for the most comprehensive visitor travel insurance coverage. The cost will be higher if you need health insurance for international travelers with pre-existing conditions. We provide resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you a tourist medical insurance in USA ideal for you. We offer Travel Medical USA Visitor Basic insurance by Seven Corners which is one of the most popular fixed benefit visitor insurance plans for USA that can cover you in the United States.
I wish to extend my stay in the US, is it possible to renew Travel Medical USA Visitor Basic Insurance?Yes Travel Medical USA Visitor Basic insurance is available up to a maximum of 364 days. Visitors to USA can renew Travel Medical USA Visitor Basic insurance online to extend their coverage
How can one use Travel Medical USA Visitor Basic visitor medical insurance in case of emergency in the United states?Travelers can review this article on how to use Travel Medical USA Visitor Basic visitor medical insurance in case of emergency in the United States. -
Is IMG a good insurance company?
IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.
How does Visitors Care insurance work?Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
For detailed working example of how it works, you can review Visitors Care insurance working example
How can a visitor use Visitors Care insurance in case of emergency in USA?International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
Can US citizens buy Visitors Care insurance?Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
Which is the most affordable plan offered by International medical group?Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
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Review travel medical insurance - Blogs and articles
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Travel Medical USA Visitor Basic is a fixed plan but it is popular for their benefits and affordability. It is the cheapest visitor insurance plan and is economical for visitors who want to buy an inexpensive plan.
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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.
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