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Visitor USA HealthCare - Visitor Medical Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.


All the 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.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Visit USA-Healthcare
Co-insurance
After deductible, you pay 10% of the first $10,000 in covered expenses, rest covered at 100% up to selected policy maximum. Coinsurance waived if expenses are incurred within PPO provider bills directly to Underwriter.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits U.S. Urgent Care: $50 copay and not subject to deductible. Otherwise, to policy maximum
Hospital emergency room (all expenses incurred therein) To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) that does not result in direct hospital admission.
Prescription drugs To policy maximum, maximum supply of 60 days per prescription
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum, average semi-private room
Intensive care unit To policy maximum
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon 20% of primary surgeon charge. No standby availability coverage.
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense
Local ambulance
To policy maximum when covered illness or injury results in hospitalization as inpatient
-
-
$5,000
Only the complications of pregancy, during first 26 weeks of pregnancy
To policy maximum
Acute onset only. Persons 0-64 $10,000, 65+ $2,500
-
Yes. First Health PPO
None
Optional
Benefit period for continued treatment following termination date of policy
90 days
DENTAL
$100*
$1,000
TRAVEL
$250,000
$50,000
-
$15,000
$50,000
-
$5,000
$100/bag, $500 max
LIFE
Under 18: $5,000; 18-70: $50,000; 70-74: $20,000; $75+: $10,000
Under 18: $5,000; 18-70: $50,000; 70-74: $20,000; $75+: $10,000
OTHER
Incidental, 30 days maximum
$50,000
-
-
$100/day, 5 day maximum
-
PLAN FEATURES
Renewable No
Cancellation policy Before effective date, full refund. After effective date, pro-rated minus $25 cancellation fee as long as no claims have been filed since the effective date.
Multiples of days (min 5 days)-max 364 days
$5
$0
Help Help Help
Available deductibles
By Age
Per Policy Period
$0
$250
$500
$1,000
Policy maximum options
By Age
lifetime maximum
$10,000 Age 80+
$50,000 Up to 79
$100,000 Up to 69
Claims administrator Tokio Marine HCC Medical Insurance Services Group
Insurance company / Carrier / Underwriter Lloyds
A.M. Best rating A "Excellent"
  • Not renewable

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.