Compare fixed benefit U.S. visitor medical insurance plans and find coverage for acute onset of pre-existing conditions.
Looking for affordable visitor medical insurance for the USA? Compare Visitors Care and Safe Travels Elite side-by-side and pick the right plan in seconds.
| Visitors Care | ||
|---|---|---|
| Insurance Providers help | ||
| Underwriter | SiriusPoint Insurance | Zurich Insurance |
| A.M. Best Rating | "A-" | "A" |
| Length of coverage help | 5 days to 2 years | 5 days to 1 year |
| Renewability help | Yes : Up to 2 years | Yes : Up to 1 year |
| Medical Maximum Options help | $25,000, $50,000, $100,000 | $25,000, $50,000, $75,000, $100,000, $175,000. |
| Deductible Options help | $0, $50, $100 | $0 |
| Medical Benefits | ||
| Hospital room and board help | Lite: $825/day, 30-day max Plus: $1,400/day, 30-day max Platinum: $2,000/day, 30-day max |
Economy: $1,400/day, 30-day max Basic, Silver, Gold: $2,000/day, 30-day max Platinum: $3,000/day, 30-day max Diamond, Diamond Plus: $1,500/day, 30-day max |
| Intensive care unit help | Lite: $400/day, 8-day max Plus: $660/day, 8-day max Platinum: $850/day, 8-day max |
Economy: $2,100/day, 10-day max
Basic, Silver: $2,500/day, 8-day max Gold: $3000/day, 8-day max Platinum: $4,500/day, 10-day max Diamond, Diamond Plus: $2,300/day, 8-day max |
| Surgery help | Lite: In-Patient & Outpatient - Up to $2000 max per surgical session Plus: In-Patient & Outpatient - Up to $3,300 max per surgical session Platinum: In-Patient & Outpatient - Up to $5,500 max per surgical session |
Economy: Up to $3,500
Basic: Up to $5000 Silver: Up to $5000 Gold: Up to $6000 Platinum: Up to $7,500 |
| Physician visits help | Lite: $40 max per visit, 30 max visits per period of coverage Plus: $60 max per visit, 30 max visits per period of coverage Platinum: Up to $85 max per visit, 30 max visits per period of coverage |
Not Available |
| Prescription Drugs and Medications help | Lite: Up to $250 per period of coverage Plus: Up to $250 per period of coverage Platinum: Up to $250 per period of coverage |
Economy: $250 per Incident
Basic: $350 per Incident Silver: $350 per Incident Gold: $350 per Incident Platinum: $350 per Incident |
| Emergency Services | ||
| Emergency local ambulance help | Lite: Up to $250 per period of coverage Plus: Up to $450 per period of coverage Platinum: Up to $475 per period of coverage |
Economy: $500 per Incident
Basic, Silver, Gold, Diamond, Diamond Plus: $650 per Incident Platinum: $750 per Incident |
| Hospital emergency room help | Lite: Up to $825/day, 30-day maximum Plus:Up to $1,400/day, 30-day maximum Platinum: Up to $2000/day, 30-day maximum |
Economy: $350 per Incident Basic, Silver, Diamond, Diamond Plus: $500 per Incident Gold: $600 per Incident Platinum: $800 per Incident |
| Dental | ||
| Emergency dental treatment help | Up to $550 max per period of coverage or unexpected pain to sound natural teeth |
Economy: $600 per Incident Basic, Silver, Gold, Platinum, Diamond, Diamond Plus: $750 per Incident |
| Acute Onset of Pre-Existing Condition | ||
| Acute Onset of Pre-Existing Conditions help | Lite: $25,000 per coverage period (sub-limits apply) Plus: $50,000 per coverage period (sub-limits apply) Platinum: $100,000 per coverage period (sub-limits apply) Emergency Medical Evacuation: $25,000 max per period for covered acute onset |
Economy, Basic, Silver, Gold, Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000
Diamond, Diamond Plus: Ages 70-79: $25,000. Ages 80+: $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000 |
| Life | ||
| Common carrier AD&D help | Not Available |
Economy, Basic, Diamond, Diamond Plus: $5,000 Principal Sum
Silver, Gold: $7,500 Principal Sum Platinum: $10,000 Principal Sum |
| Evacuation | ||
| Emergency medical evacuation help | Lite: Up to $25,000 max Plus, Platinum: Up to $50,000 max |
Economy, Basic, Silver: $100,000 per Policy Period
Gold, Platinum: Unlimited Diamond, Diamond Plus: $50,000 per Policy Period ($25,000 Lifetime Max for Acute Onset over age 80) |
| Return of mortal remains or cremation/burial help | Lite, Plus, Platinum: $25,000 max ($5,000 cremation/burial) |
Economy, Basic, Diamond, Diamond Plus: $7,500 per Policy Period
Silver: $10,000 per Policy Period Gold: $20,000 per Policy Period Platinum: $25,000 per Policy Period |
| Brochure and Details | ||
Last Updated: 2026
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Visitors Care | $25K – $100K | Suitable for short stays, budget-conscious travelers, coverage up to age 99 |
| Safe Travels Elite | $25K – $175K | Higher coverage limits, senior-friendly options up to age 89, better protection for high-cost emergencies |
✅ Recommendation: For better protection against high-cost medical events, Safe Travels Elite wins here.
| Plan | Deductible | Notes |
|---|---|---|
| Visitors Care | $0, $50, $100 | Higher deductible = lower premium |
| Safe Travels Elite | $0 | Plan pays immediately on covered benefits (subject to limits) |
✅ Note: No deductible is simpler and better for unexpected emergencies.
Both plans are fixed benefit visitor insurance, so coverage is capped at set amounts for each medical service.
⚠️ Note: Neither plan pays based on actual hospital bills they pay up to listed benefit amounts.
None of these plans cover chronic pre-existing conditions (like diabetes, hypertension, etc.) as ongoing illness coverage. What they do offer is coverage for the acute onset of a pre-existing condition, which means sudden complications that require immediate care.
| Plan | Acute Onset Coverage | Age Limit | Notes |
|---|---|---|---|
| Visitors Care | Up to plan maximum | ~70 | Covers sudden complications only; no chronic condition coverage |
| Safe Travels Elite | Up to plan maximum, cardiac/stroke sub-limits ($25K max) | 89 | Benefits reduce in older age brackets; acute onset only |
👉 Neither plan replaces comprehensive health insurance for ongoing treatment of chronic conditions.
| Plan | Underwriter | AM Best Rating |
|---|---|---|
| Visitors Care | SiriusPoint Insurance | "A-" |
| Safe Travels Elite | Zurich Insurance Europe AG | "A" |
Both are reputable carriers, so financial and claims-paying ability is strong on paper.
Here’s the decision logic based on your priorities:
✅ Best choice for more comprehensive emergency protection within fixed benefit style..
⚠️ Keep in mind: Maximum coverage is lower and many everyday limits are smaller.
💡 Visitor health plans typically do not cover routine or ongoing preexisting treatments — only acute onset emergencies. Planned treatment or flare-ups may not be covered.
💡 Claims feedback varies — some people report good experiences; others report challenges with documentation or approval, especially for pre-existing conditions. Compare real user reviews for claims experience.
Both Visitors Care and Safe Travels Elite are fixed-benefit visitor medical insurance plans available through American Visitor Insurance, with multiple coverage levels to match different coverage needs, age groups, and budgets.
Visitors Care offers three simple coverage levels with clearly defined policy maximums and is available for travelers up to age 99, making it suitable for very senior visitors to the USA.
| Plan | Max Medical | Key Notes |
|---|---|---|
| Visitors Care Lite | $25,000 | Budget-friendly, short trips, basic coverage |
| Visitors Care Plus | $50,000 | Most popular, balances cost and coverage |
| Visitors Care Platinum | $100,000 | Higher coverage, still affordable |
Visitors Care plans are well suited for travelers who prefer straightforward, low-cost coverage with fewer decisions. Learn more about how Visitors Care works and who it’s best for in our detailed guide.
Safe Travels Elite provides multiple named coverage levels with a wider range of medical coverage limits and is available for travelers up to age 89.
| Plan | Max Medical | Key Notes |
|---|---|---|
| Economy | $25,000 | Basic coverage for under 70 yrs |
| Basic | $50,000 | Mid-tier |
| Silver | $75,000 | Mid-high tier |
| Gold | $100,000 | Popular for families |
| Platinum | $175,000 | Highest coverage, best for high-cost emergencies |
| Diamond / Diamond Plus | $50K–$100K | Senior-specific plans (ages 70–89) |
Both Visitors Care vs Safe Travels Elite provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Visitors Care vs safe travels elite reviews.
| Age | Plan | $25K | $50K | $100K |
|---|---|---|---|---|
| 18-29 yrs | Safe Travels Elite | $23 | $37 | $51 |
| Visitors Care | $28 | $37 | $50 | |
| 30-39 yrs | Safe Travels Elite | $25 | $42 | $57 |
| Visitors Care | $28 | $41 | $56 | |
| 40-49 yrs | Safe Travels Elite | $26 | $44 | $57 |
| Visitors Care | $28 | $42 | $57 | |
| 50-59 yrs | Safe Travels Elite | $38 | $61 | $81 |
| Visitors Care | $37 | $59 | $80 | |
| 60-69 yrs | Safe Travels Elite | $50 | $77 | $101 |
| Visitors Care | $49 | $72 | $93 |
Visitors Care & Safe Travels Elite cost per month with a $0 deductible
Source: American Visitor Insurance®
How does Visitors Care insurance work?
Visitors Care medical insurance for travel to USA offers 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 IMG Visitors Care insurance reviews working example
How can a visitor use Visitors Care insurance in case of emergency in USA?
Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
Can the Visitors Care insurance be extended or renewed?
Visitorscare America visitor insurance can be 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.
Does IMG Visitors Care insurance covers trip cancellation?
No, Visitors Care American visitor insurance does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.
If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as iTravelInsured Travel SE, iTravelInsured Travel LX or iTravelInsured Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.
Do I need to use a network provider to get treatment under Visitors Care health insurance?
No, you do not need to use a network provider to get treatment under Visitors Care health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
Find Provider Network »
How can I buy IMG Visitors Care online?
Can I cancel Visitors Care insurance?
Yes, Visitors Care insurance can be canceled, but the eligibility for a refund depends on the terms of the policy and the time of cancellation.
What are the exclusions of Visitors Care insurance?
Some of the exclusions of Visitors Care insurance are:
Safe Travels Elite insurance offers both in-patient and out-patient benefits. It also provides coverage for Acute on set of pre-existing conditions, cardiac conditions and evacuation benefit.
Safe Travels Elite cost per month ranges between $23 to $134. This is dependent on the age of the traveler, the plan maximum and the deductible.
Understandably, the cost of Safe Travels Elite insurance is higher for older travellers as they are more likely to need healthcare while traveling. The maximum limit options are $25,000, $50,000, $75,000, $100,000 and $175,000 up to age of 69 years with $0.
If you are looking for travel insurance for visitors with pre-existing conditions and your trip is less than 90 days, the Safe Travels Elite plan is an excellent choice. This plan offers acute on set of pre-existing conditions up to 89 years ans also includes cardiac and stroke coverage of $15,000 or $25,000, depending on your age.
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Safe Travels Elite insurance. Once reached, no other benefits will be available. Safe Travels Elite insurance has policy maximum options of $25,000, $50,000, $75,000, $100,000, $175,000.
Does Safe Travels Elite Insurance cover pre-existing conditions?
Yes. Safe Travels Elite travel medical insurance offers coverage for the acute onset of pre-existing conditions for travelers up to 89 years of age. For individuals up to age 69, the coverage is provided up to the policy maximum. For those aged 70 to 79, the benefit is limited to $35,000 per policy period, while travelers aged 80 to 89 receive up to $15,000 per policy period. It’s important to note that for conditions related to cardiac disease, coverage is up to $25,000 for travelers up to age 69 and $15,000 for those age 70 and older
The Safe Travels Elite insurance renewal can be done for up to 364 days.
Yes. This plan offers coverage for green card holders visiting USA.
The main requirements for applying for Safe Travel Elite travel insurance is the travelers passport details and the travel dates. You can apply online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.
Cancellation before effective date:
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
The Safe Travels Elite Plan is a popular and reliable option for international visitors to the United States due to its benefits, affordable premiums, and flexible coverage options. It is a fixed-benefit travel medical insurance plan specifically designed for non-U.S. residents, providing essential protection for unexpected medical expenses during their stay. One of its best feature is coverage for the acute onset of pre-existing conditions up to age 89 and also includes coverage for cardiac-related coverage, which is often excluded by basic travel insurance plans.
The plan also includes benefits such as emergency medical evacuation, repatriation of remains, and coverage for doctor visits, hospital stays, and prescription drugs. With clearly defined benefits and age based pricing, Safe Travels Elite offers peace of mind for both short and long term stays in the U.S., this makes it an excellent option for travelers who require both affordable rates and extensive medical coverage.
The Safe Travels Elite Plan is an affordable and reliable visitor health insurance option for the USA. It covers medical expenses and emergency evacuation with premiums starting as low as $23 per month. It offers flexible coverage, including protection for pre-existing conditions and has no network restrictions, making it a great choice for visitors to the USA.