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Visitors Care Insurance vs VisitorSecure Insurance

Compare travel insurance benefits offered by Visitors Care Insurance and VisitorSecure Insurance plans. These two US travel insurance plans are fixed benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

IMG vs WorldTrips visitor insurance cost comparison

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Visitors Care vs VisitorSecure
Visitors Care 
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VisitorSecure
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 Visitors Care vs VisitorSecure Insurance Benefits
Insurance Providers
Length of coverage 5 days to 2 years 5 days to 364 days
 Medical Benefits
Hospital room and board Lite: Up to $825 max per day 30 day max per period of coverage
Plus: Up to $1.4K max per day 30 day max per period of coverage
Platinum: Up to $2K max per day 30 day max per period of coverage		 Plan A: $1,450 per day, maximum 30 days
Plan B: $1,725 per day, maximum 30 days
Plan C: Up to $2K/day, 30 day max
Plan D: Up to $2,585/day, 30 day max
Intensive care unit Lite: Inpatient - Up to an additional $400 max per day, 8 day max per period of coverage
Plus: Inpatient - Up to an additional $660 max per day, 8 day max per period of coverage
Platinum: Inpatient - Inpatient - Up to an additional $850 max per day, 8 day max per period of coverage		 Plan A: $2.2K per day, maximum 8 days
Plan B: $2.6K per day, maximum 8 days
Plan C: $3K per day, maximum 8 days
Plan D: $3.8K per day, maximum 8 days
Surgery Lite: In-Patient & Outpatient - Up to $2K max per surgical session
Plus: In-Patient & Outpatient - Up to $3.3K max per surgical session
Platinum: In-Patient & Outpatient - Up to $5,500 max per surgical session		 Plan A: $3.6K per session
Plan B: $4.8K per session
Plan C: $6K per session
Plan D: $7.8K per session
Physician visits 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		 Plan A: $60 maximum per visit, 30 visits max
Plan B: $75 maximum per visit, 30 visits max
Plan C: $90 maximum per visit, 30 visits max
Plan D: $115 maximum per visit, 30 visits max
Prescription Drugs and Medications Lite: Up to $250 per period of coveragee
Plus: Up to $250 per period of coverage
Platinum: Up to $250 per period of coverage		 Plan A: $150 maximum
Plan B: $200 maximum
Plan C: $250 maximum
Plan D: $300 maximum
 Emergency Services
Emergency local ambulance Lite: Up to $250 max per period of coverage
Plus: Up to $450 max per period of coverage
Platinum: Up to $475 max per period of coverage		 $500 maximum
Hospital emergency room Lite: Up to $825 max per day 30 days maximum coverage
Plus:Up to $1.4K max per day 30 days maximum coverage
Platinum: Up to $2K max per day 30 days maximum coverage		 Plan A: $375 maximum
Plan B: $485 maximum
Plan C: $600 maximum
Plan D: $785 maximum
 Dental
Emergency dental treatment Up to $550 max per period of coverage or unexpected pain to sound natural teeth $550 maximum
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Lite: $25K max per coverage period (subject to sub-limits)
Plus: $50K max per coverage period (subject to sub-limits)
Platinum: $100K max per coverage period (subject to sub-limits)
Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25K max per period of coverage		 Plan A: $50K lifetime maximum for eligible expenses
Plan B: $50K lifetime maximum for eligible expenses
Plan C & Plan D: $50K lifetime maximum for eligible expenses($25K lifetime maximum for emergency medical evacuation,only available to members under age 70)
 Life
Common carrier AD&D $25K per Insured Person $25K lifetime maximum principal sum per member
 Evacuation
Emergency medical evacuation Lite: Up to $25K max
Plus: Up to $50K max
Platinum: Up to $50K max		 $50K lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70.
Return of mortal remains or cremation/burial Lite: $25K max with $5K max for Cremation/Burial
Plus: $25K max with $5K max for Cremation/Burial
Platinum: $25K max with $5K max for Cremation/Burial		 $25K max with $5K max for Cremation/Burial
Unique Advantages
  • Cheaper Plan.
  • Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5K per period of coverage for ages 0-69 and up to $2.5K per period of coverage for 70+ travelers.
  • Only plan that offers extended care facility ( Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)
  • Cheaper plan with limited coverage.
  • This plan is suitable for international travelers going to US and US travelers traveling outside of US.
  • No Co-insurance.Good provider network.
 Travel Insurance
Underwriter Sirius International Certain Underwriters at Lloyd's of London
Rating AM Rating : A (Excellent) AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Brochure and Details

Visitor health insurance coverage

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel. The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitor coverage travel insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

Visitors Care Insurance vs VisitorSecure Insurance Reviews

It is important for tourists and travellers visiting USA to buy visitor health insurance. This will save them from expensive medical expenses and hospitalization bills arising from emergency sickness and accidental injuries. Many travelers have a tendency to think that nothing would happen to them and why should they spend money on insurance. But a slight emergency medical care in US can attract a huge bill thereby making it very difficult for tourists. Here the visitor can compare US visitor insurance cost of Visitors Care insurance and VisitorSecure insurance plans by reviewing their unique Visitors medical insurance benefits.

Visitors Care vs VisitorSecure insurance

There are many affordable visitor health insurance plans available from top rated insurance providers. Visitors Care 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. VisitorSecure is offered by WorldTrips and has ratings of A++ (Superior) by AM Best Rating and AA- by Standard & Poor’s Rating. Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Visitors Care insurance and VisitorSecure Insurance and visitors care insurance reviews.

Factors for comparing IMG vs WorldTrips travel insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Visitors Care insurance and VisitorSecure insurance:

01. Compare medical maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers coverage up to $100K while VisitorSecure insurance offers maximum coverage up to $130K. The coverage may be reduced for older travelers.

02. Compare deductible options

This is the initial amount the traveler needs to pay before the insurance actually start paying. 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

Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. VisitorSecure insurance can be renewed up to 364 days while Visitors Care Insurance can be renewed up to a total of 2 years.

05. Compare eligibility options

Both these US visitor fixed benefit medical insurance plans offer coverage to Non US citizens visiting US for a short period.

06. Pre-existing conditions coverage

Visitors Care Acute on set of pre-existing condition travel insurance
  • Covers up to 70 years.
VisitorSecure Acute on set of pre-existing condition travel insurance
  • Covers up to 70 years.

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Visitors Care VisitorSecure
What is a Pre-Existing Condition definition?

This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.

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?
  1. Acute Onset of Pre-Existing Condition
  1. Acute Onset of Pre-Existing Condition
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 70. Covered up to age 70.
  • 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
  • Visitors Care Insurance
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $100
  • A(Excellent)
  • Yes
  • SiriusPoint
  • IMG
  • Buy Now
  • VisitorSecure Insurance
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $100
  • A++ Standard & Poor’s : AA-
  • Yes
  • Lloyds, London
  • WorldTrips
  • Buy Now

Key Highlights

Visitors care vs VisitorSecure Travel Insurance - FAQs

  • Visitors Care Insurance - FAQ's

    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.
    What is the visitors insurance coverage plan?

    A visitors travel insurance coverage plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors travel insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.


    Visitor health insurance coverage is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

  • VisitorSecure Insurance - FAQ's

    Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?
    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and VisitorSecure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.
    Is there coverage for Covid-19 illness in WorldTrips travel insurance?
    WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.
    Is WorldTrips insurance a legit company?
    WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.
    Can I buy travel insurance from WorldTrips?
    WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.
    What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?
    WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.
    Why should I buy travel insurance from WorldTrips insurance?
    World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

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Review travel medical insurance - Blogs and articles

Visitors Care plan

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.

Read more »

VisitorSecure plan

VisitorSecure insurance as an affordable scheduled benefit plan for visitors to USA. VisitorSecure US health insurance is ideal for parents and older travelers traveling to the US. VisitorSecure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Read more »

List of best visitors insurance companies in USA

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

List of best visitors insurance companies in USA


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