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Beacon America vs VisitorSecure - $100,000 Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Beacon America vs VisitorSecure - $100,000 Insurance.

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Beacon America
Comprehensive
Within PPO Network: After deductible, plan pays 100% to policy maximum. Outside PPO Network: After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.
VisitorSecure - $100,000
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.

Medical - Outpatient

To policy maximum
To policy maximum
Excluded
US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies.
US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies.
To policy maximum Extra $350 deductible for illness or injury visit that does not result in hospitalization.
To policy maximum Extra $350 deductible for illness or injury visit that does not result in hospitalization.
To policy maximum, 90 day supply per prescription.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
Up to $100 per visit, 10 visits maximum
Up to $100 per visit, 10 visits maximum
Included
Up to $100 per visit, 10 visits maximum
Up to $100 per visit, 10 visits maximum
$600 per injury/illness No coverage if not admitted to hospital, unless for injury.
$600 per injury/illness No coverage if not admitted to hospital, unless for injury.
Up to $250 per injury/illness, maximum of 60 days per prescription
Up to $250 per injury/illness, maximum of 60 days per prescription
Up to $600, Additional $500 One CAT scan, PET scan or MRI, per injury/illness
Up to $600, Additional $500 One CAT scan, PET scan or MRI, per injury/illness
Up to $5,500 per session
Up to $5,500 per session
Up to $1,375 per injury/illness
Up to $1,375 per injury/illness
Up to $1,200 per injury/illness

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Up to $2,000 per day, 30 days maximum
Up to $2,000 per day, 30 days maximum
Up to $3,000 per day, 8 days maximum
Up to $3,000 per day, 8 days maximum
Up to $6,000 per session
Up to $6,000 per session
Up to $1,375 per injury/illness
Up to $1,375 per injury/illness
Up to $1,375 per injury/illness
Up to $1,375 per injury/illness
Up to $90 per visit, 30 visits maximum
Up to $90 per visit, 30 visits maximum
Up to $500 per injury/illness
Up to $500 per injury/illness
Up to $1,100 per injury/illness
Up to $1,100 per injury/illness

Medical - Other Treatment And Services

180 days
180 days
Same as any other eligible medical expense
Standard hospital bed and/or standard basic wheelchair
Standard hospital bed and/or standard basic wheelchair
$100 (plan deductible waived)
$100 (plan deductible waived)
Recreational: Included. Optional: Extreme Sports.
Recreational: Included. Optional: Extreme Sports.
To policy maximum when illness or injury results in hospitalization as inpatient.
To policy maximum when illness or injury results in hospitalization as inpatient.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
-
-
$60 per visit, 1 visit per day, 15 visits maximum. Must be ordered in advance by physician.
$60 per visit, 1 visit per day, 15 visits maximum. Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
-
-
Included, up to $100,000 or policy maximum; whichever is lower.
-
-
Same as any other eligible medical expense
Up to $1,300 for standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
Up to $1,300 for standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
-
-
Included
Included
Up to $500 per injury/illness No coverage if not admitted to hospital.
Up to $500 per injury/illness No coverage if not admitted to hospital.
-
-
Same as any other eligible medical expense
Same as any other eligible medical expense
Up to $40 per visit, 1 per visit per day, 12 visits maximum

Must be ordered in advance by physician.
Up to $40 per visit, 1 per visit per day, 12 visits maximum

Must be ordered in advance by physician.
None
None
None
Acute onset only, for persons under 70: Medical up to policy maximum; Medical evacuation up to $25,000.
Acute onset only, for persons under 70: Medical up to policy maximum; Medical evacuation up to $25,000.
Included

Dental

$500, minimum initial purchase of 90 days.
$1,000, minimum initial purchase of 180 days.
-
Up to $550 per injury/illness

Travel

-
$10,000
$10,000
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary
$100 per item, $500 maximum
$100 per item, $500 maximum
$50,000
$50,000
$100,000, maximum of 15 days
$100,000, maximum of 15 days
To policy maximum
To policy maximum
$50,000
$50,000
$5,000
-
$500
$500
-
-
-
-
-
-
-
-
-
-
-
$50,000
$50,000
$25,000
$25,000
$5,000
-
-
-

Life

Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.
-
-
$25,000, maximum $125,000 per family or group
$25,000, maximum $125,000 per family or group

Other

Included
Incidental: 14 days, minimum initial purchase of 90 days. End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
Incidental: 14 days, minimum initial purchase of 90 days. End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
$150 per day, maximum of 7 days. Not available in U.S.
$150 per day, maximum of 7 days. Not available in U.S.
-
$500 per day, 5 day maximum
$50,000 Eligible medical expenses only
$50,000 Eligible medical expenses only
Included
Included
-
-
-
-
-
-
-
-
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee, as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Political Evacuation: $100,000. Bedside Visit: $1,000 after 5 days hospitalization. Not available in U.S. Third Party Liability: $500. Emergency Pet Return Home: $500 after 36 hours of hospitalization. Rental Car Deductible Reimbursement: $500.
Email
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$12,000 Age 80+
$25,000 Up to 79
$50,000 70-79
$60,000 Up to 69
$75,000 Up to 69
$110,000 Up to 69
$200,000 Up to 69
$550,000 Up to 69
$1,100,000 Up to 69
Azimuth Risk Solutions
Lloyd's
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 day minimum to 364 days maximum
$0
$0
-
Email
Postal Mail
Courier
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 99
$200 70-99
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$75,000 Up to 79
$100,000 Up to 69
$130,000 Up to 59
WorldTrips
Lloyd's
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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