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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.
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. FAQ on pre-existing conditions
Prescription drugs are covered according to the schedule of benefits for covered medical
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.
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.
|Overall policy maximum|
|Ages 14 days - 69 years||$50,000||$75,000||$100,000||$130,000|
|Ages 80 and above||$10,000 lifetime||N/A||N/A||N/A|
|Office visits, including urgent care||$60 allowable per visit, 10 visits maximum||$75 allowable per visit, 10 visits maximum||$90 allowable per visit, 10 visits maximum||$115 allowable per visit, 10 visits maximum|
|Outpatient prescription drugs||$100 maximum||$125 maximum||$150 maximum||$200 maximum|
|Emergency room (all expenses incurred therein)||$355 maximum||$465 maximum||$575 maximum||$750 maximum|
|Diagnostic x-ray and labs||$450 maximum, plus $250 for one CAT Scan, MRI or PET||$475 maximum, plus $375 for one CAT Scan, MRI or PET||$500 maximum, plus $500 for one CAT Scan, MRI or PET||$650 maximum, plus $600 for one CAT Scan, MRI or PET|
|Hospital room and 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||$2,110 per day, maximum 8 days||$2,480 per day, maximum 8 days||$2,850 per day, maximum 8 days||$3,690 per day, maximum 8 days|
|Surgery||$3,300 per session||$4,400 per session||$5,500 per session||$7,150 per session|
|Local ambulance||$475 maximum|
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 $355. After $50 deductible
(if not already satisfied), it will pay $305 and you will pay
- 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.
This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.