VisitorSecure
Limited | A++ (Superior) | WorldTrips
Travel Insurance with a Difference
Limited | A++ (Superior) | WorldTrips
After the deductible, plan pays Pre-Fixed Limited Coverage
For international travelers traveling anywhere outside their home country including the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 364 days
Extendable for up to 364 days
Plan can be purchased after arrival at the destination
Residents & Citizens of UK may purchase coverage for a maximum of 119 days
For individuals coming to the US who are over age 65, coverage must begin within 30 days of arrival
Plan cannot be purchased more than 3 months in advance
Not available to residents of: Cuba, Iran, North Korea
Not available for following home countries: Cuba, Iran, Myanmar, North Korea, Syria, Ukraine
Not available for citizens of: Cuba, Iran, Myanmar, North Korea, Ukraine
Not Available for the following Destination Countries:: Belarus, Congo, The Democratic Republic of, Cuba, Iran, Israel, Lebanon, North Korea, Palestinian Terr., Russia, South Sudan, Uganda, Ukraine
Not available to individuals who are physically located in the country of: Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, United Kingdom
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
In-Network
| Not Available | Not Available | Not Available | Not Available |
| Not Available | Not Available | ||
| Not Available |
Out-Network
| Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services |
| Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services | ||
| Limited travel medical plans pay a pre-defined fixed limit per treatment & services |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Pre-Existing Conditions
|
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
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Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. | ||
|
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Please review your policy document for any other limits or exclusions. |
Acute onset Pre-Existing Condition
| Up to $50,000 | Up to $75,000 | Up to $100,000 | Up to $100,000 |
| Up to $50,000 | Up to $75,000 | ||
| No Coverage |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Dr. / Physician Visit
| Up to $70 per visit. 10 visits max. | Up to $85 per visit. 10 visits max. | Up to $100 per visit. 10 visits max. | Up to $130 per visit. 10 visits max. |
| Up to $70 per visit. 10 visits max. | Up to $85 per visit. 10 visits max. | ||
| Up to $70 per visit. 10 visits max. |
Urgent Care
| Up to $70 per visit. 10 visits max. | Up to $85 per visit. 10 visits max. | Up to $100 per visit. 10 visits max. | Up to $130 per visit. 10 visits max. |
| Up to $70 per visit. 10 visits max. | Up to $85 per visit. 10 visits max. | ||
| Up to $70 per visit. 10 visits max. |
Surgical Treatment
| Up to $3,300 | Up to $4,400 | Up to $5,500 | Up to $7,150 |
| Up to $3,300 | Up to $4,400 | ||
| Up to $3,300 |
Prescription Drugs / Medicines
| Up to $150 | Up to $200 | Up to $250 | Up to $300 |
| Up to $150 | Up to $200 | ||
| Up to $150 |
Lab & X-rays
| Up to $500, $400 PET, CAT, MRI | Up to $550, $450 PET, CAT, MRI | Up to $600, $500 PET, CAT, MRI | Up to $750, $650 PET, CAT, MRI |
| Up to $500, $400 PET, CAT, MRI | Up to $550, $450 PET, CAT, MRI | ||
| Up to $500, $400 PET, CAT, MRI |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Hospital Room and Board
| Up to $1,450, 30 days maximum | Up to $1,725, 30 days maximum | Up to $2,000, 30 days maximum | Up to $2,585, 30 days maximum |
| Up to $1,450, 30 days maximum | Up to $1,725, 30 days maximum | ||
| Up to $1,450, 30 days maximum |
Dr. / Physician Visit
| Up to $60 per visit. 30 visits max. | Up to $75 per visit. 30 visits max. | Up to $90 per visit. 30 visits max. | Up to $115 per visit. 30 visits max. |
| Up to $60 per visit. 30 visits max. | Up to $75 per visit. 30 visits max. | ||
| Up to $60 per visit. 30 visits max. |
Surgical Treatment
| Up to $3,600 | Up to $4,800 | Up to $6,000 | Up to $7,800 |
| Up to $3,600 | Up to $4,800 | ||
| Up to $3,600 |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Ambulance Expenses
| Up to $500 | Up to $500 | Up to $500 | Up to $500 |
| Up to $500 | Up to $500 | ||
| Up to $500 |
Emergency Room
| Up to $375 | Up to $485 | Up to $600 | Up to $785 |
| Up to $375 | Up to $485 | ||
| Up to $375 |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Dental Emergency
| Up to $550 | Up to $550 | Up to $550 | Up to $550 |
| Up to $550 | Up to $550 | ||
| Up to $550 |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
US Border Entry Protection
| Not covered | Not covered | Not covered | Not covered |
| Not covered | Not covered | ||
| - |
Emergency Medical Evacuation / Repatriation
| Up to $50,000, available for those under age 70 | Up to $50,000, available for those under age 70 | Up to $50,000, available for those under age 70 | Up to $50,000, available for those under age 70 |
| Up to $50,000, available for those under age 70 | Up to $50,000, available for those under age 70 | ||
| No Coverage |
Return of Mortal Remains
| Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 |
| Up to $25,000 | Up to $25,000 | ||
| Up to $25,000 |
Trip Interruption
| No Coverage | No Coverage | No Coverage | No Coverage |
| No Coverage | No Coverage | ||
| No Coverage |
Trip Delay
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Lost Luggage
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Terrorism
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Personal Liability
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Identity Theft
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Legal Fees
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Lost or Stolen Passport
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
Missed Connection
| No coverage | No coverage | No coverage | No coverage |
| No coverage | No coverage | ||
| No coverage |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
COVID-19 Medical Coverage
| This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. | ||
| This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
COVID-19 Testing
| Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | ||
| Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
COVID-19 Vaccine/Booster
| Not Available | Not Available | Not Available | Not Available |
| Not Available | Not Available | ||
| Not Available |
COVID-19 Quarantine Coverage
| No Coverage | No Coverage | No Coverage | No Coverage |
| No Coverage | No Coverage | ||
| No Coverage |
| $50,000 Policy Maximum | $75,000 Policy Maximum | $100,000 Policy Maximum | $130,000 Policy Maximum | $50,000 Policy Maximum | $75,000 Policy Maximum | $10,000 Policy Maximum |
Doctor Wellness Visit
| No Coverage | No Coverage | No Coverage | No Coverage |
| No Coverage | No Coverage | ||
| No Coverage |
Preferred Rates
| Not Available | Not Available | Not Available | Not Available |
| Not Available | Not Available | ||
| Not Available |
WorldTrips
TMHCC Insurance SPC Ltd and Houston Casualty Company
A++ (Superior)
| Q1: Am I eligible for the VisitorSecure plan? If you are a non-United States citizen traveling to the U.S. for business, or pleasure, or you are a U.S resident traveling abroad, you are eligible for VisitorSecure. Green card holders visiting the U.S are ineligible for this plan. Your plan must become effective within 3 months of your arrival in the United States. The minimum coverage period is 5 days and the maximum coverage period is 364 days. For individuals coming to the U.S. who are over age 65, coverage must be effective within 30 days of arrival. |
| Q2: Does VisitorSecure cover pre-existing conditions? VisitorSecure does not cover pre-existing conditions. It, however, does cover for an acute onset of pre-existing conditions for people up to age 70, up to the policy maximum that you choose. The acute onset of pre-existing condition coverage once in a policy period. Also, all the limited benefits amounts for each service and treatment for the VisitorSecure policy would apply to an acute onset of pre-existing condition situation. Acute onset of a pre-existing condition is defined as: An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition that 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. 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 before the Effective Date of coverage. Please Note: Coverage for acute onset of a pre-existing condition is excluded when the pre-existing condition is a congenital or chronic condition. For more details & exclusions regarding the pre-existing conditions, please check the VisitorSecure plan brochure. |
| Q3: Which doctor or hospital can I go to with VisitorSecure? VisitorSecure Insurance is a limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice. |
| Q4: What does the VisitorSecure plan cover, and why is it significantly cheaper compared to comprehensive plans? The VisitorSecure plan covers unexpected sickness or injury that starts after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The VisitorSecure plan is a limited coverage plan. It pays a predefined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the Plan Brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans because the plan offers very limited or restricted benefits. Benefits may not be adequate in case of any major medical problem. |
| Q5: VisitorSecure says that the deductible is per incident, injury, or sickness. Does this mean I have to pay the deductible each time I visit a doctor or hospital? You do not have to pay the deductible each time you go to a doctor with VisitorSecure. Per incident,sickness, or injury means that the deductible would apply separately to each different sickness or injury. But for each sickness or injury, the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow-up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts. |
| Q6: How do I file a claim for VisitorSecure? Please refer to the following article concerning the claim process for VisitorSecure: |
| Q7: How much does VisitorSecure cost? The cost of VisitorSecure varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, and selected coverage benefit limits. Typically, VisitorSecure can cost $2 a day for the duration of the trip for a person 50 years of age selecting International travel coverage area that does not include USA . For coverage including the USA, the cost can be higher. |
| Q8: When will I receive my VisitorSecure ID card? The VisitorSecure plan is an online insurance policy. Once you purchase the policy online you will receive a printable ID card and policy documents in your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to a doctor or hospital. |
| Q9: How do I use VisitorSecure? Please refer to the following article about VisitorSecure policy usage: how to use Visitor Insurance? |
| Q10: Why are there state restrictions for VisitorSecure, and how will it affect me if I visit those states? Each insurance company may have state-specific regulations on where their plans can be sold, affecting only residents of those states. However, if you are traveling to the United States with VisitorSecure, you will be covered in all 50 states during your active policy period |
| Q11: Can I extend the VisitorSecure plan? Yes, you can extend VisitorSecure for a minimum of 5 days and up to 364 days. We recommend extending the plan at least two days before the policy expiration date. Once the policy has expired, it can no longer be extended. There will be a $5 extension fee applied everytime you extend. |
| Q12: Can I cancel the VisitorSecure plan? You can cancel VisitorSecure before the original expiration date. A written request is required for cancellation. If you request a cancellation before the effective start date, you will receive a full refund back. After the start date of the policy, a refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. A $25 cancellation fee would apply. No refund is available if you visit a doctor or provider during the coverage period. |
| Q13: Can I cancel only one person from the VisitorSecure policy? You cannot remove one person from the VisitorSecure policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms. |
| Q14: What information do I need to purchase VisitorSecure? To purchase VisitorSecure, you will need full name(s), coverage duration, date(s) of birth, home country address, and a valid credit card. |
| Q15: If I travel to multiple countries with VisitorSecure, will I be covered? Coverage with VisitorSecure will be provided in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates. Note: If any part of your trip includes the United States, please select it as your destination country. |
| Q16: Does VisitorSecure cover coronavirus? VisitorSecure can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The VisitorSecure plan does not cover for the COVID-19 vaccine/booster. VisitorSecure will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered. |
| Q17: Is there a waiting period for coverage to begin on my VisitorSecure plan? Coverage with VisitorSecure begins on the selected date once the policyholder leaves their home country and only covers conditions occurring after this date. |
| Q18: Why do my VisitorSecure policy documents only list one destination country? Only the primary destination will be listed on the VisitorSecure policy documents, but all eligible countries will still be covered during the policy period. |
| Q19: When does my coverage start and end on my VisitorSecure plan? The VisitorSecure plan starts coverage on the coverage start date selected on the application (12:01 am EST) and once the traveler leaves their home country. Coverage applies worldwide outside the home country as long as the policy is active. Coverage ends immediately upon re-entry into the home country and at 11:59 pm EST on the last coverage date. |
| Q20: Will my VisitorSecure plan be extended/renewed automatically? The VisitorSecure plan does not renew automatically. If you need additional coverage days, please log into your account to request an extension or renewal before the policy expiration date. Not all plans can be extended or renewed, so please check your policy terms and conditions for eligibility. |
| Q21: Does the VisitorSecure plan provide quarantine coverage? The VisitorSecure plan does not offer a quarantine indemnity. Please review the policy documents for limits and exclusions. |
| Q22: I want to purchase VisitorSecure for multiple visitors. Should I purchase separate policies for each traveler, or can I include everyone on one policy? The benefits and costs do not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations. |
| Q23: How does the Deductible work for VisitorSecure? For the VisitorSecure plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. The limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor’s charge. For example: You choose a $50,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of Benefits that the insurance would pay $60 for a doctor’s visit. Now the deductible of $50 would apply to the fixed benefit amounts. So, in this case, the plan would pay ($60-$50) = $10 towards your doctor’s visit. Whatever amount the doctor might charge, the insurance would pay only $10. If you go back again for the same situation for another consultation, then the plan would pay $60. |
| Q24: Do I have to pay upfront with VisitorSecure, or are the doctors going to bill the insurance company directly? The billing process for VisitorSecure is at the discretion of the providers. Depending on the billing practice of the service provider, they may directly bill the insurance company or may ask you to pay up front and get reimbursed from the insurance company. Claim process would be mandatory, whether you have to pay upfront, or the providers directly bill the insurance company. |
| Q25: Why do corrections for VisitorSecure take 3-5 business days? The insurance provider for VisitorSecure recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically takes 3-5 business days for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing. |
| Q26: Who is the plan administrator for VisitorSecure? VisitorSecure is administrated by WorldTrips. Visit WorldTrips's plan provider page for more information. |
| Q27: My credit card expired how do I receive my refund for VisitorSecure? If your original payment method for VisitorSecure is invalid, please contact the insurance administrator at 800-605-2282 to update your account details. |
| Q28: Where can I find answers to other questions I have? Learn more from informative articles at Visitor Insurance Information section. |