Visitors Care
Limited | A- (Excellent) | IMG
Travel Insurance with a Difference
Limited | A- (Excellent) | IMG
After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days
Extendable for up to 365 days
Plan can be purchased after arrival at the destination
Not Available for the following Destination Countries:: Congo, The Democratic Republic of, South Sudan, Uganda
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
In-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 |
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 |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 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. |
Acute onset Pre-Existing Condition
| Up to $25,000 | Up to $50,000 | Up to $100,000 |
| No Coverage |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
Dr. / Physician Visit
| Up to $50 per visit. 10 visits max. | Up to $80 per visit. 10 visits max. | Up to $100 per visit. 10 visits max. |
| Up to $50 per visit. 10 visits max. |
Urgent Care
| Up to $40 per visit. 10 visits max. | Up to $100 per visit. 10 visits max. | Up to $100 per visit. 10 visits max. |
| Up to $40 per visit. 10 visits max. |
Surgical Treatment
| Up to $2,000 | Up to $3,300 | Up to $5,500 |
| Up to $2,000 |
Prescription Drugs / Medicines
| Up to $250 | Up to $150 | Up to $250 |
| Up to $250 |
Lab & X-rays
| Up to $400 | Up to $450 | Up to $500 |
| Up to $400 |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
Hospital Room and Board
| Up to $825, 30 days maximum | Up to $1,450, 30 days maximum | Up to $2,000, 30 days maximum |
| Up to $825, 30 days maximum |
Dr. / Physician Visit
| Up to $40 per visit. 30 visits max. | Up to $60 per visit. 30 visits max. | Up to $85 per visit. 30 visits max. |
| Up to $40 per visit. 30 visits max. |
Surgical Treatment
| Up to $2,000 | Up to $3,300 | Up to $5,500 |
| Up to $2,000 |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
Ambulance Expenses
| Up to $250 | Up to $450 | Up to $475 |
| Up to $250 |
Emergency Room
| Up to $200 | Up to $375 | Up to $600 |
| Up to $200 |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
Dental Emergency
| Up to $550 | Up to $550 | Up to $550 |
| Up to $550 |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
US Border Entry Protection
| Not covered | Not covered | Not covered |
| - |
Emergency Medical Evacuation / Repatriation
| Up to $25,000 | Up to $50,000 | Up to $50,000 |
| Up to $25,000 |
Return of Mortal Remains
| 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 |
Trip Delay
| No coverage | No coverage | No coverage |
| No coverage |
Lost Luggage
| No coverage | No coverage | No coverage |
| No coverage |
Terrorism
| Up to $50,000 | Up to $50,000 | Up to $50,000 |
| Up to $50,000 |
Personal Liability
| No coverage | No coverage | No coverage |
| No coverage |
Identity Theft
| No coverage | No coverage | No coverage |
| No coverage |
Legal Fees
| No coverage | No coverage | No coverage |
| No coverage |
Lost or Stolen Passport
| No coverage | No coverage | No coverage |
| No coverage |
Missed Connection
| No coverage | No coverage | No coverage |
| No coverage |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 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. |
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 |
COVID-19 Vaccine/Booster
| Not Available | Not Available | Not Available |
| Not Available |
COVID-19 Quarantine Coverage
| No Coverage | No Coverage | No Coverage |
| No Coverage |
| $25,000 Policy Maximum | $50,000 Policy Maximum | $100,000 Policy Maximum | $10,000 Policy Maximum |
Doctor Wellness Visit
| No Coverage | No Coverage | No Coverage |
| No Coverage |
Preferred Rates
| Not Available | Not Available | Not Available |
| Not Available |
IMG
SiriusPoint Speciality Insurance Corporation
A- (Excellent)
| Q1: Am I eligible for the Visitors Care plan? Visitors Care is available for non-U.S. residents and non-U.S. citizens traveling to the U.S., for individuals aged 14 days to 99 years. |
| Q2: Which doctor or hospital can I go to with Visitors Care? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Visitors Care, which is the FirstHealth PPO Network. You can search for doctors or hospitals in the Provider Directory. |
| Q3: Does Visitors Care cover pre-existing conditions? The Visitors Care policy does not cover pre-existing conditions. The plan however does offer coverage for acute onset of pre-existing conditions which is the sudden and unexpected recurrence of pre-existing conditions, for travelers under the age of 70. |
| Q4: What does "Lite', 'Plus" and "Platinum" mean on the Visitors Care plan brochure? The Visitors Care Lite, Plus, and Platinum are based on the policy maximums. |
| Q5: How do I file a claim with Visitors Care? Please refer to the following article for the Visitors Care claim process: Visitor Insurance Claim Process |
| Q6: What does the Visitors Care plan cover, and why is it much cheaper than the comprehensive plans? The Visitors Care plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem. |
| Q7: How much does Visitors Care cost? The cost of Visitors Care varies based on several qualifying criteria, such as the traveler's age, duration or length of the trip, and selected coverage benefit limits. Typically, it can cost about $2 a day for a person 50 years of age, when selecting the coverage area or destination of travel as the USA. |
| Q8: How do I use Visitors Care? Please refer to the following article about the Visitors Care policy usage: How to use Visitor Insurance? |
| Q9: Can I extend the Visitors Care plan? Yes, you can extend Visitors Care, before the policy expires. The policy can be extended at an increment of 5 days minimum to a maximum of 12 months at one time. You can extend the policy for a maximum of 24 months. |
| Q10: Can I cancel the Visitors Care plan? Yes, you can cancel Visitors Care. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive 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 there is a claim on file. |
| Q11: Can I cancel only one person from the Visitors Care policy? You cannot remove one person from the Visitors Care 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. |
| Q12: What information do I need to purchase Visitors Care? To purchase Visitors Care, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card. |
| Q13: When will I receive my ID card for Visitors Care? After purchasing Visitors Care, you will receive a digital copy of the ID card via email. You may print out the ID card if you would like a physical copy. |
| Q14: Does Visitors Care cover coronavirus? Visitors Care 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 Visitors Care plan does not cover for the COVID-19 vaccine/booster. Visitors Care 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. |
| Q15: When does my coverage start and end on my Visitors Care plan? Visitors Care coverage begins on the selected start date when the traveler leaves their home country. Coverage ends immediately upon the traveler's re-entry into their home country. |
| Q16: Will my Visitors Care plan be extended/renewed automatically? The Visitors Care 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. |
| Q17: Does the Visitors Care plan provide quarantine coverage? The Visitors Care plan does not offer any coverage for quarantine. |
| Q18: What is a Deductible and how often do I need to pay it for Visitors Care? Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for the Visitors Care plan is once per policy period, whether you go to the doctor for the same or different medical situations. The maximum policy period for the Visitors Care plan is 12 months. For continuous coverage, without break, for up to 12 months, the deductible would be one time. The Visitors Care Policy, however, can be renewed up to a maximum of 24 months. If you renew the plan beyond 12 months, a new deductible would apply. |
| Q19: How does the Deductible work in Visitors Care Plan? The Visitors Care Plan pays a limited fixed amount for every service and treatment. The policy maximum is just the outer limit. The deductible for limited plans is deducted from the fixed benefit amounts, and not the amount that the provider's charge. |
| Q20: I want to purchase Visitors Care for multiple visitors. Should I purchase separate policies for each or can I include everyone on the same one? The benefits and cost does not differ if you buy individually or combined Visitors Care 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. |
| Q21: Can I purchase Visitors Care after I arrive at my destination? Yes, you may purchase Visitors Care even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date. |
| Q22: Why do corrections to Visitors Care take 3-5 business days and can't be a quick fix? The insurance provider for Visitors Care 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 take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing. |
| Q23: My credit card expired how do I receive my refund for Visitors Care? If your original payment method for Visitors Care is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing. |
| Q24: Where can I find answers to other questions I have? Learn more from informative articles at Visitor Insurance Information section. |