VisitorSecure vs Travel Medical USA Visitor Basic Insurance Reviews
Compare travel insurance benefits offered by VisitorSecure Insurance and Travel Medical USA Visitor Basic 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.Here the visitor can compare US visitor insurance cost of VisitorSecure insurance and Travel Medical USA Visitor Basic insurance plans by reviewing their unique Visitors medical insurance benefits.
Travelling to USA can be a great experience but an emergency situation like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance. The visitors to the US should compare different travel insurance plans. There are fixed benefits insurance plans offering limited coverage and are quite affordable namely VisitorSecure Insurance and Travel Medical USA Visitor Basic insurance. VisitorSecure is offered by WorldTrips and has ratings of A++ (Superior) by AM Best Rating and AA- by Standard & Poor’s Rating. Travel Medical USA Visitor Basic is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating.
Factors for comparing WorldTrips vs Seven Corners travel insurance
Following are some of the insurance aspects that an international tourist needs to focus on while comparing among VisitorSecure insurance and Travel Medical USA Visitor Basic Insurance:
01. Compare medical maximum coverage
This the maximum coverage that the plan would offer for the medical expenses. Travel Medical USA Visitor Basic Insurance offer maximum coverage up to 150K and VisitorSecure insurance offer 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. Travel Medical USA Visitor Basic Insurance offer deductible options of $0 to $200 while VisitorSecure insurance offer deductible options of $0 to $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 and Travel Medical USA Visitor Basic Insurance both can be renewed up to 364 days.
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
VisitorSecure Acute on set of pre-existing condition travel insurance- Covers up to 70 years.
- Covers up to 70 years.
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | VisitorSecure | Travel Medical USA |
|---|---|---|
| What is a Pre-Existing Condition definition? |
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. |
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. |
| 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. | 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
- VisitorSecure
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- $0 to $100
- A++ Standard & Poor’s : AA-
- Yes
- Lloyds, London
- WorldTrips
- 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
Key Highlights
Visitors care vs VisitorSecure Travel Insurance - FAQs
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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.
What is VisitorSecure travel medical Insurance?VisitorSecure U.S. Visitor Health Insurance is budget friendly visitor insurance plan for visitors traveling outside their home country. It provides coverage for medical expenses and other unforeseen health or accident related events during the visit. This plan also covers acute on set of pre-Existing Conditions up to 70 years.
What Does VisitorSecure Insurance Cover?VisitorSecure insurance coverage includes emergency medical expenses, hospitalization, prescription drugs, emergency medical evacuation, trip interruption and other benefits depending on the specific policy.
How much does VisitorSecure cost in USA?The Worldtrips VisitorSecure fixed benefit insurance cost will vary depending on the age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $75k, $100k, $130K depending on the age of traveler.
Why Visitorsecure plan is cheaper than other insurance plans?VisitorSecure is a fixed benefit plan and this plan have specific benefit limits for different covered medical expenses. The individual fixed limits are clearly mentioned in the policy brochure. This plan is a scheduled Benefit or limited coverage Insurance Plan. Typically this plan is a cheaper but have limited benefits when compared to other Insurance Plans.
Can VisitorSecure Insurance Be Renewed?VisitorSecure can be renewed before the initial coverage period expires. It is important to check the specific terms and conditions of the policy.
How Do I File a Claim with VisitorSecure Insurance?You will need to contact the WorldTrips claims department and provide necessary documentation, such as medical records and receipts, to file your claim.
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.
Who is Eligible for VisitorSecure Insurance?International travelers visiting a foreign country for a short duration, such as tourists, business travellers or family visitors, are eligible for VisitorSecure Insurance.
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. -
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.
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