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VisitorSecure Insurance summary, VisitorSecure Insurance Review

Visitor Secure Insurance
VisitorSecure Underwriter

Underwritten by Lloyds, London.

VisitorSecure Insurance Rating

AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Insurance Provider

Tokio Marine HCC

emergency-care   Coinsurance?

No Coinsurance

What is the eligibility to buy VisitorSecure insurance
VisitorSecure insurance eligibility
  • 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.

Visitors Secure Links

  • Brochures
  • Details
  • Application
  • Fixed benefit plan
  • ID card
  • Claims
  • Renewal
  • Provider Network

Visitors Secure travel insurance, Cheap visitors insurance

  • Cheap travel insurance for USA and affordable plan.
  • Offers Coverage from $50,000 to $130,000.
  • Offers coverage for acute onset of pre-existing conditions up to the age of 70 years
  • Advantages
  • Disadvantages

Visitors Secure 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.
  • $50,000 & $75,000 Maximum coverage for 70-79 travelers.
  • No Co-insurance.
  • Good provider network.
  • Deductible per injury/illness.

Visitors Secure Insurance Disadvantages

  • It is a fixed benefit plan.
  • Only $10,000 coverage for 80+ travelers.
  • Any medical expenses should be pre-certified to avoid 50% reduction in the benefits.

A working example of using Visitor Secure travel insurance (Offered by Tokio Marine HCC) *

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Total medical expenses is $25,000
The Visitors Secure plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50,000). 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$16,850. This is the difference between the fixed amount the insurance pays and the actual billed amount.

Visitor Secure Insurance

Visitor Secure Insurance

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 (3,000 * 3 for 3 days) $4,350 (1,450 * 3 for 3 days) $4,650
Surgery $15,000 $3,300 $11,700
X Ray $1,000 $500 $500
Total $25,000 $8,150 $16,850
* 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.

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What are some insurance terms important in Visitor Secure Insurance reviews?

Review Visitor Secure Insurance to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Visitor Secure travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Visitor Secure insurance offers maximum coverage up to $130,000. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10,000; Age 70 to 79 - $50,000, $75,000.
  • What is a deductible in Visitor Secure 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. Visitor Secure insurance offer a set of deductible options for the travelers to choose from. Visitor Secure insurance has a range of deductible option from $0, $50 and $100.
  • What is a provider network of Visitor Secure 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 Visitor Secure Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Visitor Secure Insurance can be renewed for 364 days.
  • Eligibility to buy Visitor Secure 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.
  • Visitor Secure Pre-existing conditions Visitors Insurance for international travelers
    Visitor Secure insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions..

Visitor secure travel insurance coverage for Coronavirus

On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country.
If you are an Visitor secure policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
All travel health insurance plans in the Visitor secure contain the following exclusion:

Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:

  1. The warning has been in effect within the 6 months immediately prior to your date of arrival, or
  2. You fail to depart the country or location within 10 days following the date the warning is issued
If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling:

Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.

Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location:

You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.

What This Exclusion Means for Visitor secure Insurance Policyholders

The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.
The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.
  • If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Visitor secure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Visitor secure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.
The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.

Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.

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