Visitor Secure Insurance Reviews, WorldTrips insurance Reviews, Popular Visitor Secure Insurance unique plan highlights

VisitorSecure Insurance summary, VisitorSecure Insurance Reviews

Deductible options
$0 $100 $250 $500 $1K $2.5K

Insurance provider
WorldTrips

VisitorSecure rating
A++ (Superior) Standard & Poor’s Rating: AA-

VisitorSecure insurance underwriter
Underwritten by Lloyds, London.

What is the eligibility to buy VisitorSecure insurance

Travelers traveling outside their home country and who are over 14 days of age.
US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.
For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.

VisitorSecure Insurance For US Visitors

WorldTrips has designed VisitorSecure insurance as an affordable scheduled benefit plan for visitors to USA. VisitorSecure US health insurance is ideal for parents and older travelers traveling to the US. VisitorSecure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

VisitorSecure Visitor Insurance Links

Brochure
Details
Application
Advantages
Disadvantages
Claims
Renewal
Provider network
Fixed benefit plans
Fixed benefit plan
Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable.
Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

VisitorSecure travel Insurance - Key Highlights

VisitorSecure is available for people traveling to the US and abroad.
VisitorSecure plan has four types of plans namely Plan A, Plan B, Plan C and Plan D.
The plan has the following deductible options and overall policy maximum options for people of different age groups:

Deductible options	Plan A	Plan B	Plan C	Plan D
Age 14 days to 59 years	$0, $50, $100	$0, $50, $100	$0, $50, $100	$0, $50, $100
Age 60 to 69 years	$0, $50, $100	$0, $50, $100	$0, $50, $100	NA
Age 70 to 79 years	$100 or $200	$100 or $200	NA	NA
Age 80 and above	$100 or $200	NA	NA	NA

Overall policy maximum options	Plan A	Plan B	Plan C	Plan D
Age 14 days to 59 years	$50K	$75K	$100K	$130K
Age 60 to 69 years	$50K	$75K	$100K	NA
Age 70 to 79 years	$50K	$75K	NA	NA
Age 80 and above	$10K	NA	NA	NA

VisitorSecure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
The plan covers Inpatient Intensive Care Unit, Private Duty Nurse, Physician visits, Consultant physician, Surgery and price varies between the types of plans.
Outpatient treatment facilities such as surgical facility, pre admission testing, diagnostic x-ray and labs,prescription drugs, Urgent Care are covered with this plan.
This Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
Emergency medical evacuation available for up to $50K lifetime maximum for age below 70.
Repatriation of remains is covered upt o $25K per member.
Emergency Quarantine Indemnity for Covid-19 is available with this plan with $50 a day for up to 10 days.

Customer Reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.

| Steve E

Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.

| Joan

I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.

| Kelli M

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Advantages and Disadvantages of VisitorSecure insurance

VisitorSecure Insurance Advantages
- Cheap travel insurance USA plan with limited coverage.
- Covers acute onset of pre-existing conditions for travelers under 70 years.
- This plan is suitable for international travelers going to US and US travelers traveling outside of US.
- $50K & $75K Maximum coverage for 70-79 travelers.
- No Co-insurance.
- Good provider network.
- Deductible per injury/illness.
VisitorSecure Insurance Disadvantages
- It is a fixed benefit plan.
- Only $10K coverage for 80+ travelers.
- Any medical expenses should be pre-certified to avoid 50% reduction in the benefits.

Key benefits of VisitorSecure Insurance

Acute onset of a pre-existing condition

Fixed Benefit plan

Budget-friendly travel insurance

Renewability

PPO network

Emergency medical evacuation

An Overview of IMG Visitors Care

Plan Maximum coverage of travel insurance

This the maximum coverage that the plan would offer for the medical expenses. insurance offers maximum coverage up to $130K. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10K; Age 70 to 79 - $50K, $75K.

What is a deductible in visitors insurance?

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. insurance offer a set of deductible options for the travelers to choose from. insurance has a range of deductible option from $0, $50 and $100.

Pre-existing conditions Visitors Insurance for international travelers

Insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions.

What is a provider network of Medical Insurance?

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Renewability of Travel health insurance

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Insurance can be renewed for 364 days.

Eligibility to buy Insurance Online

Travelers traveling outside their home country and who are over 14 days of age.US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.

A working example of using VisitorSecure insurance*

Let us take an example of Plan-A: The medical bill is $25K; Deductible is $100 and choosen Policy Maximum is $50K

Insurance coverage is $50K
Deductible is $100 per certificate period
Total medical expenses is $25,100

The VisitorSecure plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50K). The insured must pay the deductible ($100). After that, the insurance plan pays fixed amount as defined in the policy for specific treatment. In this hypothetical example described in the table, the insured has to pay$16,950. This is the difference between the fixed amount the insurance pays and the actual billed amount.

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Hospital Room Rent	$9K (3K * 3 for 3 days)	$4,350 (1,450 * 3 for 3 days)	$4,650
Surgery	$15K	$3.3K	$11,700
X Ray	$1K	$500	$500
Total	$25,100	$8,150	$16,950

* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of VisitorSecure insurance

Click here to read more »

Visitors Care Travel Insurance - FAQ's

VisitorSecure U.S. Visitor Health Insurance is budget friendly visitor insurance plan for visitors traveling outside their home country. It provides coverage for medical expenses and other unforeseen health or accident related events during the visit. This plan also covers acute on set of pre-Existing Conditions up to 70 years.

International travelers visiting a foreign country for a short duration, such as tourists, business travellers or family visitors, are eligible for VisitorSecure Insurance.

VisitorSecure insurance coverage includes emergency medical expenses, hospitalization, prescription drugs, emergency medical evacuation, trip interruption and other benefits depending on the specific policy.

The Worldtrips VisitorSecure fixed benefit insurance cost will vary depending on the age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $75k, $100k, $130K depending on the age of traveler.

Yes.VisitorSecure insurance offers coverage for acute onset of pre-existing conditions up to 70 years and $25,000 lifetime maximum for emergency medical evacuation

VisitorSecure is a fixed benefit plan and this plan have specific benefit limits for different covered medical expenses. The individual fixed limits are clearly mentioned in the policy brochure. This plan is a scheduled Benefit or limited coverage Insurance Plan. Typically this plan is a cheaper but have limited benefits when compared to other Insurance Plans.

Yes, you can buy the VisitorSecure insurance for visiting family members. Check with American Visitor Insurance agents at (877)-340-7910 or read the brochure to understand the eligibility and coverage for family members.

VisitorSecure Insurance plans may offer coverage for a short period, such as a few days to several months. The duration of coverage can vary, you can get this information on American Visitor Insurance.

In case of a medical emergency, policyholders usually need to contact the insurance provider, WorldTrips as soon as possible. The contact information is provided in the policy documents, and they will provide instructions on seeking medical care and filing a claim.

VisitorSecure can be renewed before the initial coverage period expires. It is important to check the specific terms and conditions of the policy.

You will need to contact the WorldTrips claims department and provide necessary documentation, such as medical records and receipts, to file your claim.

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

Worldtrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system. The company offers several travel insurance plans for travelers with financial support, access to the best healthcare support and 24/7 emergency travel assistance.

Worldtrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. Worldtrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products. Worldtrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. Worldtrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Atlas America - PPO network

Atlas America - Provider network and how to find hospital or doctor? WorldTrips maintains a wide network of health care providers.
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network