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Visitors Care Platinum vs Visit USA-HealthCare Superior Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Visitors Care Platinum vs Visit USA-HealthCare Superior 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

Visitors Care Platinum
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
Visit USA-HealthCare Superior
Comprehensive
Within PPO Network: After deductible, plan pays 100% to policy maximum. Outside PPO Network: After deductible, plan pays Usual, reasonable, and customary to policy maximum.

Medical - Outpatient

Up to $85 per visit, 10 visits per annual period
Up to $85 per visit, 10 visits per annual period
Excluded
Up to $85 per visit, 10 visits per annual period
Up to $85 per visit, 10 visits per annual period
$550 per visit No coverage if not admitted to hospital, unless for injury.
$550 per visit No coverage if not admitted to hospital, unless for injury.
Up to $250 per annual period, maximum of 90 days per prescription
Up to $250 per annual period, maximum of 90 days per prescription
Up to $500 per incident, maximum of $500
Up to $5,500 per surgical session
To policy maximum
To policy maximum
Included
US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible. Coinsurance still applies.
US-Urgent Care: Deductible waived, $50 copay; unless $0 deductible. Coinsurance still applies.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum

Medical - Inpatient

Up to $2,000 per day, 30 days maximum per annual period
Up to $2,850 per day, 8 days maximum per annual period
Up to $5,500 per surgical session
Up to $1,375 per surgical session
Up to $1,375 per surgical session
Up to $85 per visit, 30 visits per annual period
Up to $500 per annual period
Up to $1,100 per annual period
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
Up to $1,300 per annual period for a standard basic hospital bed, standard basic wheelchair or the initial orthopedic prosthetic
-
-
Up to $475 per annual period No coverage if not admitted to hospital, unless for injury.
-
-
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
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
-
Optional: Hazardous Activities or Intercollegiate / Interscholastic Sports
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
$5,000
To policy 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 65: Up to $25,000; 65+ $2,500.
Acute onset only. For persons under 65: Up to $25,000; 65+ $2,500.
-
Included

Dental

-
Up to $550 per annual period
$100 - Not subject to deductible or coinsurance
$1,000

Life

-
$25,000
Under 18: $5,000, Ages 18-69: $50,000, Ages 70-74: $20,000, Ages 75+: $10,000; Maximum $250,000 per family or group. (Optional add-on $100,000 age 18-69)
Under 18: $5,000, Ages 18-69: $50,000, Ages 70-74: $20,000, Ages 75+: $10,000; Maximum $250,000 per family or group. (Optional add-on $100,000 age 18-69)

Other

-
Incidental: 14 days after 30 days continuous coverage
-
-
-
$50,000
Included
Included
Incidental: 30 days after 3 months continuous coverage.
$100 per day, maximum of 5 days
-
Replacement Accommodations: $100 per day, maximum of 5 days.
$50,000
Included

Plan Features

Yes, extendable in daily increments with 5 day minimum
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 to 2 years maximum
$0
$0
Private Duty Nursing: $550
Email
Annual
$0 Up to 69
$50 Up to 79
$100 Up to 79
Per Incident
$100,000 Up to 79
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
Yes, extendable in daily increments with 5 day minimum
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
$5
$0
Crisis Response: $10,000. Bedside Visit: $1,500. Pet Return: $1,000. Political Evacuation: $50,000. Personal Liability: $10,000 (sub-limit $2,500 for related third person property).
Email
Per Policy Period
$0 Up to 105
$250 Up to 105
$500 Up to 105
$1,000 Up to 105
Lifetime Maximum
$20,000 80-105
$100,000 65-79
$250,000 Up to 64
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.

Learn More