Insubuy Insurance

8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun


How Visitors Care® Insurance Works - Reviews

FIRST
You pay the deductible per period of coverage, even for Dr. visits.
THEN
Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

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. 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. FAQ on pre-existing conditions


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.


Visitors Care® 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 $100) per period of coverage 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
 
$25,000 maximum benefit per life of plan
$50,000 maximum benefit per life of plan
$100,000 maximum benefit per life of plan
Outpatient Physician visits
$50 allowable charge per visit, 10 visits per period of coverage
$55 allowable charge per visit, 10 visits per period of coverage
$85 allowable charge per visit, 10 visits per period of coverage
Prescription drugs
$150 per period of coverage
$250 per period of coverage
$250 per period of coverage
Hospital emergency room
75% of URC to $200
75% of URC to $330
75% of URC to $550
Diagnostic x-ray & lab
$650 per period of coverage, ($325 allowable charge per procedure)
$800 per period of coverage, ($400 allowable charge per procedure)
$950 per period of coverage, ($475 allowable charge per procedure)
Hospital room & board
Up to $825 per day, 30 day maximum per period of coverage
Up to $1,400 per day, 30 day maximum per period of coverage
Up to $1,950 per day, 30 day maximum per period of coverage
Intensive Care
Additional $400 per day, 8 day maximum per period of coverage
Additional $660 per day, 8 day maximum per period of coverage
Additional $850 per day, 8 day maximum per period of coverage
Surgery
$2,000 per surgical session
$3,300 per surgical session
$5,500 per surgical session
Ambulance
$250 per period of coverage
$450 per period of coverage
$450 per period of coverage
The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin. A new deductible will apply at each renewal.
Complete Schedule of Benefits

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 $55. You have $50 towards the unsatisfied deductible. The plan pays $5 ($55 - $50).
    Visit 2: As you have satisfied your deductible, the plan pays $55.

    For all subsequent visits, up to all covered number of visits, it will continue to pay $55/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.


Disclaimer:

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.