Visitor Secure® is a fixed coverage plan for non-U.S. citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years.
Prescription drugs are covered according to the schedule of benefits for covered medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.
Visitor Secure® provides coverage anywhere outside of your home country including travel time as well.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
You will have to pay a deductible (varies from $0 to $200, depending upon the age group) per incident (sickness or injury) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.
After that, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay all the difference yourself beyond that, there is no out of pocket maximum.
Schedule of Benefits
|Overall Policy Maximum|
|Ages 14 Days - 69 Years||$50,000||$75,000||$100,000||$130,000|
|Ages 80 & Above||$10,000 lifetime||N/A||N/A||N/A|
|Office Visits, Including Urgent Care||$70 allowable per visit, 10 visits maximum||$85 allowable per visit, 10 visits maximum||$100 allowable per visit, 10 visits maximum||$130 allowable per visit, 10 visits maximum|
|Outpatient Prescription Drugs||$150 maximum||$200 maximum||$250 maximum||$300 maximum|
|Emergency Room (All Expenses Incurred Therein)||$375 maximum||$485 maximum||$600 maximum||$785 maximum|
|Diagnostic X-Rays & Labs||$500 maximum, plus $400 for one CAT Scan, MRI or PET||$550 maximum, plus $450 for one CAT Scan, MRI or PET||$600 maximum, plus $500 for one CAT Scan, MRI or PET||$750 maximum, plus $650 for one CAT Scan, MRI or PET|
|Hospital Room & Board, Including Miscellaneous||$1,450 per day, maximum 30 days||$1,725 per day, maximum 30 days||$2,000 per day, maximum 30 days||$2,585 per day, maximum 30 days|
|Intensive Care Unit, Including Miscellaneous||$2,200 per day, maximum 8 days||$2,600 per day, maximum 8 days||$3,000 per day, maximum 8 days||$3,800 per day, maximum 8 days|
|Surgery||$3,300 per session||$4,400 per session||$5,500 per session||$7,150 per session|
|Local Ambulance||$500 maximum|
Lets assume that you have taken $50,000 policy maximum with $50 deductible.
Lets assume that the doctor charges $140/visit.
Visit 1: Insurance company covers $60. You have $50 towards the unsatisfied deductible. The plan pays $10 ($60 - $50).
Visit 2: As you have satisfied your deductible, the plan pays $60.
For all subsequent visits, up to all covered number of visits, it will continue to pay $60/visit.
You need to go to an emergency room visit which costs you $2,400. The insurance company covers $375. After $50 deductible (if not already satisfied), it will pay $325 and you will pay $2,075.
Let's assume that you were in an accident and are hospitalized for 3 days and needed one surgery and the total bill is $40,000. The insurance company will pay $1,450/day for hospital room/board and $3,300 for surgery for a total of $1,450 x 3 + $3,300 = $7,650, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,350.