VisitorSecure Insurance by WorldTrips

Cheap visitor insurance designed for international travelers visiting the US or for travel abroad

VisitorSecure Insurance

WorldTrips has designed 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.

How much does visitors health insurance USA cost?

VisitorSecure Insurance for US visitors between 14 days to 99 years in age

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Age
Spouse
Start Date
End Date
Destination
Citizenship
VisitorSecure Plan A
Plan Maximum
$50,000
Deductible
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VisitorSecure Plan B
Plan Maximum
$75,000
Deductible
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VisitorSecure Plan C
Plan Maximum
$100,000
Deductible
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VisitorSecure Plan D
Plan Maximum
$130,000
Deductible
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  Covid19 coverage
Covered Covered Covered Covered
  Plan maximum per injury/sickness
$50,000 $75,000 $100,000 $130,000
  Inpatient
Hospital room and board
$1,450 per day, maximum 30 days $1,725 per day, maximum 30 days Up to $2,000/day, 30 day max Up to $2,585/day, 30 day max
Intensive care unit
$2,200 per day, maximum 8 days $2,600 per day, maximum 8 days $3,000 per day, maximum 8 days $3,800 per day, maximum 8 days
Surgery
$3,600 per session $4,800 per session $6,000 per session $7,800 per session
Consultant physician
$450 maximum $475 maximum $500 maximum $650 maximum
Private duty nurse
$550 maximum $550 maximum $550 maximum $700 maximum
Physician visits
$60 maximum per visit, 30 visits max. $75 maximum per visit, 30 visits max. $90 maximum per visit, 30 visits max. $115 maximum per visit, 30 visits max.
  Outpatient
Surgical
$3,300 per session $4,400 per session Up to $5,500 per session Up to $7,150 per session
Outpatient surgical facility
$1,100 maximum $1,150 maximum $1,200 maximum $1,500 maximum
Pre-admission testing
$1,100 maximum $1,100 maximum $1,100 maximum $1,450 maximum
Diagnostic x-ray and labs
$500 maximum, plus $400 for one CAT Scan, MRI or PET $550 maximum, plus $450 for one CAT Scan, MRI or PET $600 maximum, plus $500 for one CAT Scan, MRI or PET $750 maximum, plus $650 for one CAT Scan, MRI or PET
Emergency room (all expenses incurred therein)
$375 maximum $485 maximum $600 maximum $785 maximum
Optional Benefts
$355 maximum $465 maximum $575 maximum $750 maximum
Prescription Drugs and Medications
$150 maximum $200 maximum $250 maximum $300 maximum
Office visits, including urgent care
$70 allowable per visit, 10 visits max. $85 allowable per visit, 10 visits max. $100 allowable per visit, 10 visits max $130 allowable per visit, 10 visits max
Other
Anesthesiologist
$825 $1,110 $1,375 $1,775
Assistant surgeon
$825 $1,110 $1,375 $1,775
  Emergency Services
Emergency local ambulance
$500 maximum
  Dental
Dental Treatment due to Alleviate pain
$500 maximum
  Pre-Existing Condition
Acute Onset of Pre-Existing Condition (only available to members under age 70)
$25,000 lifetime maximum for emergency medical evacuation
$50,000 lifetime maximum for eligible expenses $75,000 lifetime maximum for eligible expenses $100,000 lifetime maximum for eligible expenses
  Life
Common carrier accidental death & dismemberment
$25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum
  Evacuation
Emergency medical evacuation
$50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70.
Emergency reunion
Up to $1,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $5,000, maximum of 15 days
Return of mortal remains or cremation/burial
$25,000 per member
Local burial & cremation
$5,000 per member
Physical therapy
$40 maximum per visit, 1 visit per day, maximum 12 visits
Mental & nervous disorder & substance abuse
Same as any illness
Durable medical equipment
$1,100 maximum $1,200 maximum $1,300 maximum $1,700 maximum

Key benefits of VisitorSecure Insurance

Acute onset of a pre-existing condition

Fixed Benefit plan

Budget-friendly travel insurance

Renewability

PPO network

Emergency medical evacuation Coverage

VisitorSecure Travel Insurance Review

Insurance provider
WorldTrips
VisitorSecure insurance rating
AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
VisitorSecure insurance underwriter
Underwritten by Lloyds, London.
Coinsurance
No Coinsurance
VisitorSecure insurance eligibility
  • Travelers traveling outside their home country and who are over 14 days of age.
  • US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.
  • For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.

VisitorSecure Links

  • Brochure
  • Reviews
  • Application
  • Advantages
  • Disadvantages
  • ID card
  • Fixed Benefit Plan

VisitorSecure travel Insurance - Key Highlights

  • VisitorSecure is available for people traveling to the US and abroad.
  • VisitorSecure plan has four types of plans namely Plan A, Plan B, Plan C and Plan D.
  • The plan has the following deductible options and overall policy maximum options for people of different age groups:
Deductible options Plan A Plan B Plan C Plan D
Age 14 days to 59 years $0, $50, $100 $0, $50, $100 $0, $50, $100 $0, $50, $100
Age 60 to 69 years $0, $50, $100 $0, $50, $100 $0, $50, $100 NA
Age 70 to 79 years $100 or $200 $100 or $200 NA NA
Age 80 and above $100 or $200 NA NA NA
Overall policy maximum options Plan A Plan B Plan C Plan D
Age 14 days to 59 years $50,000 $75,000 $100,000 $130,000
Age 60 to 69 years $50,000 $75,000 $100,000 NA
Age 70 to 79 years $50,000 $75,000 NA NA
Age 80 and above $10,000 NA NA NA
  • VisitorSecure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
  • The plan covers Inpatient Intensive Care Unit, Private Duty Nurse, Physician visits, Consultant physician, Surgery and price varies between the types of plans.
  • Outpatient treatment facilities such as surgical facility, pre admission testing, diagnostic x-ray and labs,prescription drugs, Urgent Care are covered with this plan.
  • This Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
  • Emergency medical evacuation available for up to $50,000 lifetime maximum for age below 70.
  • Repatriation of remains is covered upt o $25,000 per member.
  • Emergency Quarantine Indemnity for Covid-19 is available with this plan with $50 a day for up to 10 days.
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Acute Onset of Pre-Existing Condition

Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.

VisitorSecure insurance - Common Questions

01. What is VisitorSecure Insurance?

VisitorSecure Insurance is single trip short term travel insurance designed by WorldTrips for individuals visiting a foreign country. It provides coverage for medical expenses and other unforeseen health or accident related events during the visit.

02. 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.

03. 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.

04. Can I Purchase VisitorSecure Insurance for Family Members?

Yes, you can buy the VisitorSecure insurance for visiting family members. Check with American Visitor Insurance agents at (877)-340-7910 or read the brochure to understand the eligibility and coverage for family members.

05. How Long Can VisitorSecure Insurance Be Purchased For?

VisitorSecure Insurance plans may offer coverage for a short period, such as a few days to several months. The duration of coverage can vary, you can get this information on American Visitor Insurance.

06. What Happens in Case of Emergency?

In case of a medical emergency, policyholders usually need to contact the insurance provider, WorldTrips as soon as possible. The contact information is provided in the policy documents, and they will provide instructions on seeking medical care and filing a claim.

07. 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.

08. 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.

09. 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 Visitors Secure 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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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WorldTrips Pre-existing Conditions Travel Insurance

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

Atlas Travel Pre-existing conditions coverage - FAQ's

01.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

02.  Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

03.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

04.  How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  • Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.
VisitorSecure

VisitorSecure - Provider network and how to find hospital or doctor?

United Healthcare Provider Network United Healthcare Provider Network
WorldTrips maintains a wide network of health care providers.
Inside US:
  • If you have purchased the policy after July 2019 then click here »
  • If you have purchased the policy before July 2019 then click here »
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here »
Find Provider Network

WorldTrips travel insurance related links

VisitorSecure Insurance restrictions

The VisitorSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

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Resourceful links of VisitorSecure insurance

VisitorSecure insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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VisitorSecure insurance blog

Blog to compare VisitorSecure Insurance for visitors to USA.

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VisitorSecure insurance forum

Customer queries about WorldTrips VisitorSecure insurance plan.

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Travel Insurance Claims

Claims about the travel insurance.

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