Overview
Visitors Care 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. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation 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. Limited coverage for acute onset of pre-existing conditions is available for ages younger than 70 years. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Prescription drugs are covered according to the schedule of benefits for covered medical expenses. More information.
Dental is covered only up to $550 for emergency treatment from an accident covered under the plan. Consider a low cost plan from Careington that provides excellent dental coverage.
Visitors Care provides coverage anywhere outside of your residence 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 $100) per certificate period 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
| Visitors Care Lite $25,000 Per Illness/Injury | Visitors Care Plus $50,000 Per Illness/Injury | Visitors Care Platinum $100,000 Per Illness/Injury | |
|---|---|---|---|
| Physician Visits/Services | Up to $50 per visit, 10 visits per annual period | Up to $60 per visit, 10 visits per annual period | Up to $85 per visit, 10 visits per annual period |
| Urgent Care Center | Up to $50 per visit, 10 visits per annual period | Up to $60 per visit, 10 visits per annual period | Up to $85 per visit, 10 visits per annual period |
| Prescriptions | Up to $250 per annual period, maximum of 90 days per prescription | Up to $250 per annual period, maximum of 90 days per prescription | Up to $250 per annual period, maximum of 90 days per prescription |
| Hospital Emergency Room | $200 per visit. No coverage if not admitted to hospital, unless for injury. | $330 per visit. No coverage if not admitted to hospital, unless for injury. | $550 per visit. No coverage if not admitted to hospital, unless for injury. |
| Laboratory Radiology/X-ray | Up to $200 per procedure, maximum of $400 | Up to $250 per incident, maximum of $450 | Up to $500 per incident, maximum of $500 |
| Hospitalization/Room & Board | Up to $825 per day, 30 days maximum per annual period | Up to $1,400 per day, 30 days maximum per annual period | Up to $2,000 per day, 30 days maximum per annual period |
| Intensive Care | Up to $1,225 per day, 8 days maximum per annual period | Up to $2,060 per day, 8 days maximum per annual period | Up to $2,850 per day, 8 days maximum per annual period |
| Surgery | Up to $2,000 per surgical session | Up to $3,300 per surgical session | Up to $5,500 per surgical session |
| Emergency Local Ambulance | Up to $250 per annual period. No coverage if not admitted to hospital, unless for injury. | Up to $450 per annual period. No coverage if not admitted to hospital, unless for injury. | Up to $475 per annual period. No coverage if not admitted to hospital, unless for injury. |
Example:
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 the 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 $330. After $50 deductible (if not already satisfied), it will pay $280 and you will pay $2,120.
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 $1,400/day for hospital room/board and $3,300 for surgery for a total of $1,400 x 3 + $3,300 = $7,500, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,500.
Benefits Updated: 05/11/2022