Visitors Care®

Travel medical insurance for non-U.S. citizens traveling to the United States

5 Days to 2 Years

How Visitors Care Insurance Works - Reviews

First

The deductible is met once per year, 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. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email.

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/ServicesUp to $50 per visit, 10 visits per annual periodUp to $60 per visit, 10 visits per annual periodUp to $85 per visit, 10 visits per annual period
Urgent Care CenterUp to $50 per visit, 10 visits per annual periodUp to $60 per visit, 10 visits per annual periodUp to $85 per visit, 10 visits per annual period
PrescriptionsUp to $250 per annual period, maximum of 90 days per prescriptionUp to $250 per annual period, maximum of 90 days per prescriptionUp 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 $400Up to $250 per incident, maximum of $450Up to $500 per incident, maximum of $500
Hospitalization/Room & BoardUp to $825 per day, 30 days maximum per annual periodUp to $1,400 per day, 30 days maximum per annual periodUp to $2,000 per day, 30 days maximum per annual period
Intensive CareUp to $1,225 per day, 8 days maximum per annual periodUp to $2,060 per day, 8 days maximum per annual periodUp to $2,850 per day, 8 days maximum per annual period
SurgeryUp to $2,000 per surgical sessionUp to $3,300 per surgical sessionUp to $5,500 per surgical session
Emergency Local AmbulanceUp 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

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 are not 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.

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