VisitorSecure is a budget-friendly insurance plan when you have relatives visiting the United States or for travel abroad. VisitorSecure provides protection while immigrating or 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
After purchasing coverage, how can I trust the company to be there if I need them?
Tokio Marine HCC - MIS Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide. Tokio Marine HCC - MIS Group is a subsidiary of Tokio Marine HCC, a leading specialty insurance group with a financial strength rating* of AA- for Standard & Poor's and Fitch Ratings and A++ (Superior) by A.M. Best Company.
*At the time of printing. For more information on these ratings, please visit: www.standardandpoors.com, www.fitchratings.com, and www.ambest.com.
You may file a claim by submitting a Claimant's Statement and Authorization form. This form may be found online. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the Claimant's Statement and Authorization form.
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 Tokio Marine HCC - MIS Group 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||$0, $50, or $100||N/A|
|Ages 70 - 79||$100 or $200||N/A|
|Ages 80 & 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|
|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|
|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 & 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|
|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|
|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
|*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|
All eligible expenses are subject to deductible, overall policy maximum, and are per injury or illness unless specifically indicated otherwise.
*The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, or complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.
**A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you
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 details about claim filing and downloading forms
- View claims status
Log In to MyAccount here.
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.
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.
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 us. 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|
|14 Days to 17 Yrs||$1.20||$1.49||$1.77||$2.81|
|18 to 29||$1.20||$1.49||$1.71||$2.22|
|30 to 39||$1.35||$1.60||$1.82||$2.39|
|40 to 49||$1.40||$1.72||$1.90||$2.55|
|50 to 59||$1.93||$2.27||$2.65||$3.41|
|60 to 69||$2.29||$2.62||$2.98||-|
|$50 Deductible per Injury or Illness|
|Maximum Limit||PLAN A|
|14 Days to 17 Yrs||$1.02||$1.24||$1.45||$2.32|
|18 to 29||$1.02||$1.24||$1.41||$1.83|
|30 to 39||$1.13||$1.33||$1.52||$1.97|
|40 to 49||$1.19||$1.41||$1.60||$2.09|
|50 to 59||$1.65||$1.93||$2.21||$2.86|
|60 to 69||$1.89||$2.19||$2.51||-|
|$100 Deductible per Injury or Illness|
|Maximum Limit||PLAN A|
|14 Days to 17 Yrs||$0.92||$1.13||$1.34||$2.17|
|18 to 29||$0.92||$1.12||$1.31||$1.71|
|30 to 39||$1.03||$1.23||$1.42||$1.79|
|40 to 49||$1.08||$1.30||$1.50||$1.98|
|50 to 59||$1.50||$1.84||$2.07||$2.76|
|60 to 69||$1.74||$2.08||$2.40||-|
|70 to 79||$3.05||$4.42||-||-|
|80+ ($10k Limit)||$7.02||-||-||-|
|$200 Deductible per Injury or Illness|
|Maximum Limit||PLAN A*|
|70 to 79||$2.71||$3.69|
|80+* ($10k limit)||$5.86||-|
These VisitorSecure rates are effective 07/15/2020 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
AdministratorTokio Marine HCC - MIS Group
251 North Illinois Street, Suite 600
Indianapolis, IN 46204
FOR ADDITIONAL INFORMATIONInsubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093
+1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470
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.
VisitorSecure is underwritten by Lloyd's. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.