Visit USA-HealthCare Visitor Health Insurance for USA
Visit USA Insurance is a comprehensive health care plan for visitors to the USA, non-renewable coverage for up to 365 days.
COVID-19 / SARS-CoV-2 / Coronavirus Visit USA HealthCare plan includes coverage for testing/treatment of COVID-19 after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.
Visit USA Insurance is a temporary visitor medical insurance for tourists and visitors to the United States. Visit USA Insurance is comprehensive coverage plan and is also suitable for tourists and visitors to the U.S. who come for pleasure, business or study. Visit USA Travel Insurance is ideal coverage for relatives or parents visiting USA.
Visit USA-HealthCare plan is available in three plan options:
- Visit USA-HealthCare – Superior Plan – Comprehensive coverage with higher maximums, pays 100% up to maximum selected, wide PPO network, not renewable.
- Visit USA-HealthCare – Standard Plan – Comprehensive coverage, pays 100% up to maximum selected, wide PPO network, not renewable.
- Visit USA-HealthCare – Budget Plan – Basic fixed benefit coverage, pays fixed amounts as in brochure, Any Doctor/ Hospital , No PPO, not renewable.
Visit USA HealthCare Insurance provides insurance coverage for Accident/Sickness Medical, Emergency Medical Evacuation and Assistance coverage in the United States. VisitUSA visitors insurance offers optional high limit Accidental Death & Dismemberment coverage, with incidental travel to Mexico, Canada for up to 14 days, and Emergency Travellers Assistance also included in coverage. Visit USA Visitors Insurance coverage is available from a minimum of 15 days to a maximum period of up to 12 months, and benefits are available per incident/illness, and the policy can begin as early as the next day.
- Quote and Buy Visit USA Insurance online, instant ID cards and proof of coverage.
- Review the Visit USA Insurance Brochure for plan summary of benefits.
Visit USA Visitor Insurance plan is offered by USI Travel Insurance Services, the policy is administered by WorldTrips (formerly Tokio Marine HCC – MIS Group), and coverage is underwritten by Lloyd’s of London, rated A “Excellent” by A.M. Best.
Notes: Older healthcare plan for visitors or tourists to America, comprehensive and fixed options. Non-renewable, purchase for exact duration needed.
Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only. The plan is available for both foreign nationals and expat US citizens visiting the U.S.
Coverage Duration: Minimum of 15 days to maximum of 1 year (365 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.
Renew or Extend: Not renewable, purchase exact days of coverage necessary.
Other Highlights
- Foreign nationals visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Quote & purchase online for single trip
- Child alone without adult purchase allowed
- Optional hazardous sports activity riders
Visit USA Insurance Policy Information
Visit USA America Insurance is high-end first-class travel medical and visitor health coverage specially designed for the discerning tourist visiting America, relatives/parents visiting USA, or international travelers going abroad to any foreign destination country.
Visit USA travel health insurance comes in two available Economys: Visit USA America for the foreign nationals visiting USA and traveling to any other foreign country, and Atlas International for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S.
- Visit USA America is for foreign nationals visiting USA or traveling outside their home country of residence.
- Visit USA International is for non-US or US citizens traveling abroad to any overseas destination.
Visit USA Insurance - Plan Overview
Visit USA Insurance plan review and highlights of coverage. Visit USA Visitor Insurance policy highlights are as follows:
- Eligiblity: 14 days old up to 99 years old visiting USA, benefit period up to 12 months.
- Choice of Medical Maximum selections based on plan selected.
- Emergency medical evacuation and repatriation of remains.
- Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits.
- Common Carrier Accidental Benefit and Accidental Death and Dismemberment (AD&D).
- Immediate coverage available, print virtual ID cards instantly after purchase.
- Non-Renewable: Cannot renew or extend policy coverage dates.
- Plan offered by USI Travel Insurance Services.
- COVID-19/SARS-CoV-2: Includes coverage for testing/treatment of Coronavirus
- Administrator: Policy claims are administered by Tokio Marine HCC – Medical Insurance Services.
- Underwriter: Well backed plan underwritten by Lloyd’s.
Visit USA Insurance Plan Details
Visit USA Insurance is available for non-U.S. citizens/residents who are visiting the United States. Coverage is suitable both for business or leisure travelers to the U.S., international exchange students, individuals or family who are tourists on a holiday to America, or missionary travelers on church missions in the US.
| Visit USA | |
| Quote & Buy Online | Buy Visit USA Insurance |
| Renew Coverage Online | Visit USA HealthCare plan is not renewable |
| Review Plan Brochure | Visit USA Visitor Insurance Brochure |
| Coverage Period or Duration | Coverage period minimum length of 5 days to maximum of 364 days (12 months) |
| Benefit Period | 180 days (amount of time you have from the date of your injury/illness to receive treatment). |
| Surgical Treatment | Budget Option: $50,00 maximum: $3,300 $150,000 maximum: $7,150Superior/Standard Plans: In-network: plan pays 100% up to policy maximum after deductible. Out of network: Reasonable & customary up to plan maximum, after deductible. |
| Doctor / Physician Visit | Budget policy: $50,00 maximum: $75/10 visits maximum $150,000 maximum: $125/10 visits maximumSuperior/Standard Plans: In-network: plan pays 100% up to plan maximum after deductible. Out of network: Reasonable & customary up to plan maximum, after deductible. |
| Labs and Diagnostics | Budget Plan: $50,00 policy max selected: $500, plus $400 for one CAT Scan, MRI or PET $150,000 policy max selected: $750, plus $650 for one CAT Scan, MRI or PETStandard Plan or Superior Plan: In-network: after deductible plan pays 100% up to policy maximum. Out of network: After deductible, reasonable & customary up to plan maximum. |
| Prescription Drugs / Medicines | Budget policy: $50,00 policy max selected: $150 $150,000 policy max selected: $300Standard-Superior Plans: In-network: plan pays 100% up to policy maximum after deductible. Out of network: After deductible, reasonable & customary up to plan maximum. |
| Physical Therapy | Budget Plan: $50 per visit, 1 visit per day, maximum 12 visitsStandard-Superior Plans: Must be ordered by attending physician. Usual Reasonable and Customary. |
| Prescription Drugs / Medicines | Budget Option: $50,00 maximum: $1,500 per day, 30 days maximum $150,000 maximum: $2,750 per day, 30 days maximumStandard-Superior Plans: Must be ordered by attending physician. Usual Reasonable and Customary. |
| Surgical Treatment | Budget policy: $50,00 maximum: $4,000 $150,000 maximum: $8,000Standard Plan / Superior Plan: Must be ordered by attending physician. Usual Customary and Reasonable. |
| Ambulance Charges/Expenses | Budget Plan: $500 for both plan maximum optionsStandard-Superior Plans: Usual Reasonable and Customary. For injury or illness that does lead to inpatient hospitalization. |
| Emergency Room (ER) | Budget Option: $50,00 policy maximum: $375 $150,000 policy maximum: $785Standard-Superior Plans: Usual Reasonable and Customary. Additional $250 co-pay applies for illness that does not lead to inpatient hospitalization. |
| In-Patient Hospital Room | Budget policy: $50,00 policy max selected: $150 $150,000 policy max selected: $300Superior/Standard Plans: In-network: after deductible plan pays 100% up to policy max Out of network: After deductible, reasonable & customary up to policy maximum. |
| Hospital Intensive Care Unit | Budget Option: $50,00 plan maximum: $2,500 per day, 8 days maximum $150,000 policy maximum: $4,000 per day, 8 days maximumStandard Plan / Superior Plan: Must be ordered by attending physician. Usual Customary and Reasonable. |
| Sudden Dental Pain (Acute, spontaneous and unexpected) | Budget Plan: Not coveredSuperior/Standard Plans: $100 |
| Accidental emergency | Budget policy: Not coveredSuperior Plan / Standard Plan: $1,000 |
| Travel (Emergency Medical Evacuation / Repatriation) | Budget Plan: Both plan maximum options: Overall maximum limitSuperior/Standard Plans: $100,000 lifetime maximum, except as provided under acute onset of pre-existing conditions. Up to $500,000 lifetime maximum, not subject to deductible. |
| Return of Mortal Remains | Budget Plan: Both policy maximum options: $50,000Superior/Standard Plans: Up to the overall maximum limit, not subject to deductible or coinsurance |
| Emergency Reunion | All Plan Options: $15,000, subject to a maximum of 15 days, not subject to deductible. |
| Return of minor Child(ren) | Budget policy: Not CoveredSuperior/Standard Plan: $50,000 |
| Trip Interruption | Budget Plan: Not Covered Standard/Superior Plans: $5,000 not subject to deductible or co-insurance |
| Loss of Checked-in Baggage | All Plan Options: $250/Article, $500 Max |
| Accidental Death and Dismemberment (AD&D) | All Plan Options: Under 18: $5,000; 18-69: $50,000; 70-74: $20,000; 75 and above: $10,000. Additional AD&D available ( not available for those 70 and above) |
| Common Carrier Accidental Death Benefit | Budget Plan: Not Covered Standard/Superior Plans: $50,000 |
| Pre-Existing Conditions | All Plan Options: Ages 65 and above: $2,500 All others: $20,000 ($25,000 for Superior) |
| Maternity | All Plan Options: Not Covered |
| General Physical or Health Checkup | All Plan Options: Not Covered |
| Terrorism Coverage | Budget policy: $25,000 for eligible medical coverage. Standard/Superior Plans: Up to $50,000 lifetime maximum, eligible medical expenses only |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan certificate for details |
| Pre-certification Requirements | See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $25, if no claims filed under the policy already Note: A written (email) request is required |
| Worldwide Assistance | 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card. |
| Plan Administrator | Travel Insurance Services handles all policy administration services |
| Claims Administrator | WorldTrips handles all claims administration services |
| Insurance Underwriter | Underwritten by Lloyd’s of London, the oldest underwriter in the world |
| Ratings of Insurance Company | A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong) |
| Quote & Buy Online | Visit USA Insurance Quote |
Disclaimer: The information provided on this page is only a summary of the Visit-USA HealthCare plan, be sure to read Visit USA-HealthCare plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.
Visit USA Insurance Plan Brochure
Visit USA Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.
- Review the Visit USA Visitor Insurance Brochure which is common for all the plan types, includes policy information, coverage features and plan summary of benefits.
Visit USA Insurance Certificate
Visit USA Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.
- Certificate of Insurance: Review all the policy details available in the Visit USA America Insurance Certificate which is the detailed sample document of the master policy document.
Visit USA Insurance PPO Network
Visit USA plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.
- Provider Network: Search for providers within the PPO network to save on co-insurance charges using Visit USA Insurance Provider Network.
Visit USA Insurance - Quote/Buy Online or Apply
Quote, apply and buy the Visit USA HealthCare policy securely and instantly online. Alternatively, print/ and complete the paper application to send along with the requisite premium amount payment to the address on application.
- Quote/Buy Online: Get instant quote & Buy Visit USA Insurance coverage online.
- Application Form: Complete, mail/fax the Visit USA Insurance Paper Application along with the required premium payment.
Visit USA Insurance - Renew/Extend Coverage
Visit USA visitor insurance coverage duration cannot be extended or renewed.
- Renew Policy: Not renewable or cannot extend the Visit USA insurance policy coverage dates.
Visit USA Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Visit USA Insurance Plan FAQ
Below are some of the questions frequently asked with the Visit USA Insurance plan gathered over many years:
What are the common terms used in the Visit USA Insurance plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.