VisitorSecure is a budget-friendly insurance plan when you have relatives visiting the United States or for travel abroad. VisitorSecure provides coverage while traveling to the U.S. and internationally.
Why Choose VisitorSecure?
Whether you are looking for coverage for yourself, one individual or a group of friends or family members, VisitorSecure may have the features you need. Each plan includes coverage for medical expenses, emergency medical evacuation, and common carrier accidental death and dismemberment. In addition, the plan offers a choice of deductibles and coverage options to help the plan meet almost any budget.
Do I need VisitorSecure insurance?
Traditional domestic plans are available to permanent residents of the U.S., but family and friends who visit these individuals often need health insurance that provides coverage while they are in the U.S. VisitorSecure provides international visitors with inpatient and outpatient hospital benefits for eligible medical expenses, valuable emergency travel benefits, and travel assistance services in case the unexpected occurs abroad.
Enrollment & Filing a Claim
Enrollment
You may access the online quoting and purchasing system or call us.
After purchasing coverage, how can I trust the company to be there if I need them?
The administrator, headquartered in the United States in Carmel, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide.
Claim Filing
You may file a claim by completing and submitting a Claimant’s Statement and Authorization form along with proof of claim (itemized bills, payment receipts, etc.).
You may complete and submit the form and necessary attachments online OR you may download the claim form and submit it alongside proof of claim via postal mail to the address on the form.
We must receive proof of claim within 60 days of the last day of your certificate period (or for claims incurred during a benefit period, 60 days from the date the claim is incurred).
The description of coverage in these pages is for informational purposes only. Actual coverage will vary based on the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.
Benefits of VisitorSecure®
| Deductible | Plan A | Plan B | Plan C | Plan D |
|---|---|---|---|---|
| Ages 14 Days - 59 Years | $0, $50, or $100 | |||
| Ages 60 - 69 Years | $0, $50, or $100 | N/A | ||
| Ages 70 - 79 Years | $100 or $200 | N/A | ||
| Ages 80 and Above | $100 or $200 | N/A | ||
| Overall Policy Maximum | ||||
| Ages 14 Days - 59 Years | $50,000 | $75,000 | $100,000 | $130,000 | Ages 60 - 69 | $50,000 | $75,000 | $100,000 | N/A |
| Ages 70 - 79 | $50,000 | $75,000 | N/A | N/A |
| Ages 80 & Above | $10,000 | N/A | N/A | N/A |
| Inpatient Treatment | ||||
| Hospital Rroom & 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 | $3,600 per session | $4,800 per session | $6,000 per session | $7,800 per session |
| Consultant Physician | $450 maximum | $475 maximum | $500 maximum | $650 maximum |
| Private Duty Nurse | $550 maximum | $550 maximum | $550 maximum | $700 maximum |
| Physician Visits | $60 maximum per visit, 30 visits maximum | $75 maximum per visit, 30 visits maximum | $90 maximum per visit, 30 visits maximum | $115 maximum per visit, 30 visits maximum |
| Outpatient Treatment | ||||
| Surgery | $3,300 per session | $4,400 per session | $5,500 per session | $7,150 per session |
| Outpatient Surgical Facility | $1,100 maximum | $1,150 maximum | $1,200 maximum | $1,500 maximum |
| Pre-Admission Testing | $1,100 maximum | $1,100 maximum | $1,100 maximum | $1,450 maximum |
| Diagnostic X-Rays and 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 |
| Emergency room (All Expenses Incurred Therein) | $375 maximum | $485 maximum | $600 maximum | $785 maximum |
| Observation Room Services | $355 maximum | $465 maximum | $575 maximum | $750 maximum |
| Outpatient Prescription Drugs | $150 maximum | $200 maximum | $250 maximum | $300 maximum |
| Office Visits, Including Urgent Care | $70 allowable per visit, 10 visits max. | $85 allowable per visit, 10 visits max. | $100 allowable per visit, 10 visits max. | $130 allowable per visit, 10 visits max. |
| Miscellaneous Inpatient & Outpatient Treatment | ||||
| Anesthesiologist | $825 | $1,110 | $1,375 | $1,775 |
| Assistant Surgeon | $825 | $1,110 | $1,375 | $1,775 |
| Local Ambulance*** | $500 maximum | |||
| Dental Accident | $550 maximum | |||
| Physical Therapy | $40 maximum per visit, 1 visit per day, maximum 12 visits | |||
| Mental & Nervous Disorder & Substance Abuse | Same as any illness | |||
| Durable Medical Equipment | $1,100 maximum | $1,200 maximum | $1,300 maximum | $1,700 maximum |
| *Acute onset of **pre-existing condition (only available to members under age 70) | $50,000 lifetime maximum for eligible expenses | $75,000 lifetime maximum for eligible expenses | $100,000 lifetime maximum for eligible expenses | |
| $25,000 lifetime maximum for emergency medical evacuation | ||||
| Other Benefits (not subject to deductible or overall policy maximum) | ||||
| Emergency Medical Evacuation | $50,000 lifetime maximum, except as provided under *acute onset of **pre-existing condition. Available only to members under age 70. | |||
| Repatriation of Remains | $25,000 per member | |||
| Local Burial & Cremation | $5,000 per member | |||
| Common Carrier Accidental Death & Dismemberment | $25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum | |||
All eligible expenses are subject to deductible, overall policy maximum, and are per injury or illness unless specifically indicated otherwise.
*An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under seventy (70) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
**Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
***Illness must result in hospitalization as inpatient.
Outstanding Customer Service
MyAccount and World Service Center
MyAccount is an online account management and resource tool available to:
- Extend coverage and reprint ID cards
- Obtain claim forms and information about filing
- View claims status
If you prefer to speak to a professional service representative, contact us by calling toll-free from various countries. We can provide service in different languages.
Worldwide Travel and Medical Assistance
VisitorSecure includes valuable travel and medical assistance services, which are available globally through our customer service representatives. Contact the administrator to access any of these services.
Medical Monitoring
Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.
Provider Referrals
Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.
Travel Document Replacement
Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.
Lost Luggage Assistance
Tracking service to assist in locating luggage or other items lost in transit.
Other Travel Assistance Services*
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card / Traveler's Check Replacement
* For a complete list of available assistance services or for more information, please contact the administrator. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.
VisitorSecure - Traveling Outside of Home Country
| $0 Deductible per Injury or Illness | ||||
| Maximum Limit | PLAN A $50,000 | PLAN B $75,000 | PLAN C $100,000 | PLAN D $130,000 |
| Age | Daily | Daily | Daily | Daily |
| 14 Days to 17 Yrs | $1.22 | $1.52 | $1.80 | $2.86 |
| 18 to 29 | $1.22 | $1.52 | $1.74 | $2.26 |
| 30 to 39 | $1.37 | $1.63 | $1.85 | $2.43 |
| 40 to 49 | $1.42 | $1.75 | $1.93 | $2.59 |
| 50 to 59 | $1.96 | $2.31 | $2.70 | $3.47 |
| 60 to 69 | $2.33 | $2.66 | $3.03 | - |
| Dependent Child** | $1.12 | $1.35 | $1.59 | $2.73 |
| $50 Deductible per Injury or Illness | ||||
| Maximum Limit | PLAN A $50,000 | PLAN B $75,000 | PLAN C $100,000 | PLAN D $130,000 |
| Age | Daily | Daily | Daily | Daily |
| 14 Days to 17 Yrs | $1.04 | $1.26 | $1.47 | $2.36 |
| 18 to 29 | $1.04 | $1.26 | $1.43 | $1.86 |
| 30 to 39 | $1.15 | $1.35 | $1.55 | $2.00 |
| 40 to 49 | $1.21 | $1.43 | $1.63 | $2.13 |
| 50 to 59 | $1.68 | $1.96 | $2.25 | $2.91 |
| 60 to 69 | $1.92 | $2.23 | $2.55 | - |
| Dependent Child** | $0.94 | $1.14 | $1.33 | $2.25 |
| $100 Deductible per Injury or Illness | ||||
| Maximum Limit | PLAN A $50,000 | PLAN B $75,000 | PLAN C $100,000 | PLAN D $130,000 |
| Age | Daily | Daily | Daily | Daily |
| 14 Days to 17 Yrs | $0.94 | $1.15 | $1.36 | $2.21 |
| 18 to 29 | $0.94 | $1.14 | $1.33 | $1.74 |
| 30 to 39 | $1.05 | $1.25 | $1.44 | $1.82 |
| 40 to 49 | $1.10 | $1.32 | $1.53 | $2.01 |
| 50 to 59 | $1.53 | $1.87 | $2.11 | $2.81 |
| 60 to 69 | $1.77 | $2.12 | $2.44 | - |
| 70 to 79 | $3.10 | $4.50 | - | - |
| 80+ ($10k Limit) | $7.14 | - | - | - |
| Dependent Child** | $0.82 | $1.03 | $1.22 | $2.11 |
| $200 Deductible per Injury or Illness | ||
| Maximum Limit | PLAN A* $50,000* | PLAN B $75,000 |
| Age | Daily | Daily |
| 70 to 79 | $2.76 | $3.75 |
| 80+* ($10k limit) | $5.96 | - |
These VisitorSecure rates are effective 02/01/2023 and subject to change.
* $10,000 Maximum Limit for age 80 and over
** Dependent Child rate (14 days through 17 years) is applicable when at least one parent will also be covered by VisitorSecure
Administrator
WorldTrips4 Carter Green, Suite 400
Carmel, IN 46032
FOR ADDITIONAL INFORMATION
Insubuy®, LLC.P.O. Box 260649
Plano, TX 75026
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
Patient Protection and Affordable Care Act ("PPACA"): This insurance is not subject to, and does not provide certain insurance benefits required by the United States' Patient Protection and Affordable Care Act ("PPACA"). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or "minimum essential coverage". PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.
The administrator is a service company and a member of the Tokio Marine HCC group of companies. VisitorSecure is underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC). No. 94030) in its capacity as trustee of the TMHCC(CI) – Travel Trust, a Cayman Islands law governed trust.
Version:
KHE2FFFYH6SP-971744701-1423
05/29/2025