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 TokioMarine HCC visitor insurance comparison

Start Date
End Date
Coverage Region
Visitors Care 
Plan Maximum
Visitor Secure 
Plan Maximum
Brochure & Details links
Coronavirus coverage
Not Available Not Available
Visitors Care Insurance Underwriter
Sirius International
Visitor Secure Insurance Underwriter
Certain Underwriters at Lloyd's of London
Visitors Care Insurance Rating
AM Rating : A (Excellent)
Visitor Secure Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
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).
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
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
Unique Advantages
Visitor care Insurance 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)
Visitor Secure Insurance Advantages:
  • 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.

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 TokioMarine HCC Medical Insurance Services and has ratings of A++ (Superior) by AM Best Rating and AA- by Standard & Poor’s Rating.

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

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
  • 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.

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