Visitors Care Insurance vs Visitor Secure Insurance

Compare travel insurance benefits offered by Visitors Care Insurance and Visitor Secure 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 comparison

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Visitors Care
  Visitor Secure 
Visitors Care 
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Visitor Secure 
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Logos IMG world-trips
Covid19 Coverage Not Covered Covered
Acute onset of pre-exiting condition Only available to members under age 70
Plan A: $25,000 max per coverage period
Plan B: $50,000 max per coverage period
Plan C: $100,000 max per coverage period
Only available to members under age 70
Covered upto chosen plan maximum
Dental Treatment Treatment for accident to Sound Natural Teeth:
Plan A: Up to $550 per period of coverage
Plan B: Up to $550 per period of coverage
Plan C: Up to $550 per period of coverage
Treatment due to Accident - $550 maximum
Emergency Medical Evacuation Plan A: Up to $25,000
Plan B: Up to $50,000
Plan C: Up to $50,000
$50,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance).
Evacuation, Repatriation & AD&D Benefits for Pre-existing conditions - $25,000 lifetime maximum for emergency medical evacuation
Refund Policy Yes; Written notice before start date; Pro-Rated Refund with $25 fee. None
Minimum Plan Life 5 days 5 days
Maximum Plan life 24 months 364 days
Plan Renewals $5 for renewals online or by fax or mail. Renewable up to 364 days
Common Carrier Accidental Death Plan A: $25,000
Plan B: $25,000
Plan C: $25,000
$25,000 lifetime maximum principal sum per member
Not subject to deductible
Death or loss of two limbs - principal sum
Loss of one limb - one-half the principal sum
Unique Advantages
  • Cheaper Plan.
  • 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.
  • 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)
  • 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 Visitors Care Insurance Underwriter
Sirius International
Visitor Secure Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating Visitors Care Insurance Rating
AM Rating : A (Excellent)
Visitor Secure Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Brochure and Details

Visitor Secure travel insurance coverage for Covid19

Visitor Secure insurance plan offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30 days and must show proof of quarantine mandated by a physician or governmental authority. This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.

Compare Visitors Care Insurance and Visitors Secure Insurance

It is important for tourists and travellers visiting USA to buy visitors medical 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.

There are many affordable visitor 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. Visitor Secure is offered by World Trips 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 Visitor Secure Insurance

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What are the factors to consider while comparing Visitors Care insurance and Visitor Secure Insurance?

  • Compare visitor medical insurance maximum coverage between Visitors Care insurance and Visitor Secure Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers coverage up to $100,000 while Visitor Secure insurance offers maximum coverage up to $130,000. The coverage may be reduced for older travelers.
  • Compare visitors health insurance deductible options between Visitors Care insurance and Visitor Secure Insurance:
    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.
  • Contrast the travel health Insurance renewability options for Visitors Care insurance and Visitor Secure Insurance:
    Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Visitor Secure insurance can be renewed up to 364 days while Visitors Care Insurance can be renewed up to a total of 2 years.
  • Compare eligibility options of US visitors travel insurance for Visitors Care insurance and Visitor Secure Insurance:
    Both these US visitor fixed benefit medical insurance plans offer coverage to Non US citizens visiting US for a short period.
  • Compare visitors insurance Pre-existing conditions coverage for Visitors Care insurance and Visitor Secure Insurance:
    They offer coverage for acute onset of pre-existing conditions for visitors under 70 years of age.

Visitors Care Insurance - FAQs

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.

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

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.

Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

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