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(866) INSUBUY 467-8289 Mon-Fri: 8 AM - 9 PM CST Sat-Sun: 8 AM - 5 PM CST

Visitors Care®

Travel medical insurance for non-U.S. citizens traveling outside of their home country

5 Days to 2 Years

How Visitors Care® Insurance Works - Reviews

First

You pay the deductible per period of coverage, even for doctor 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.

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 Lifetime Maximum Limit $50,000 Lifetime Maximum Limit $100,000 Lifetime Maximum Limit
Outpatient Physician Visits Up to $50 per visit, 10 visits per period of coverage Up to $55 per visit, 10 visits per period of coverage Up to $85 per visit, 10 visits per period of coverage
Prescription Drugs Up to $150 per period of coverage Up to $250 per period of coverage Up to $250 per period of coverage
Hospital Emergency Room Up to $200 per visit Up to $330 per visit Up to $550 per visit
Diagnostic X-Rays & Labs Up to $650 per period of coverage Up to $800 per period of coverage Up to $950 per period of coverage
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 Up to an additional $400 per day, 8 day maximum per period of coverage Up to an additional $660 per day, 8 day maximum per period of coverage Up to an additional $850 per day, 8 day maximum per period of coverage
Surgery Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Ambulance Up to $250 per period of coverage Up to $450 per period of coverage Up to $450 per period of coverage

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 the 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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More