Visitor Guard® health insurance for travelers

Visitor Guard® offers dependable and trustworthy travel health insurance for parents from foreign countries and tourists visiting USA. Plans pay for a range of health benefits including hospitalization, doctor visits, prescription drugs and acute on of pre-existing conditions. Choose from Fixed benefit or Comprehensive plans.


Hospitalization

After deductible is met, plan provides benefits up to your chosen policy maximum for a Comprehensive policy or up to the pre-defined limit in case of a Fixed benefit plan.

Doctor Visits

Covered up to chosen policy maximum in case of a comprehensive policy or up to the pre-defined limit in case of a Fixed Benefit plan after the deductible is met.

Dental

Certain plans offer dental benefits in case of an accidental injury to sound natural teeth or for a sudden pain to natural teeth.

Diagnostics

Policies offer benefits for blood work, x-rays, MRIs and other diagnostic procedures for covered illnesses and injuries if prescribed by a doctor.

Prescriptions

Prescription benefits as per the Schedule of Benefits for a new prescription after the effective date of the policy.

Pre-Ex

An acute onset of a pre-existing condition for ages below 70 can be covered as per the schedule of benefits.


Service & Claim Teams in the US

When non US citizens visiting the US are insured by a visitor insurance plan, the plan steps in and pays for treatment costs that occur when the visitor falls sick and or is injured. It could be a minor illness such as a cold or something more major such as a fracture or even a heart attack. Different aspects of treatment including ambulance, hospitalization, physician visits and prescription drugs are taken care of.

The premium depends on the age of the visitor, the length of coverage, medical maximum, deductible and type of plan. The medical maximum ranges from $10,000 to $2million. The benefits can be per incident or for the life of the plan. A range of deductibles from $0 to $2500 are. The plan could offer fixed benefits or be comprehensive. When the benefits are limited, it means that for each service the amount covered is fixed, whereas with the comprehensive plans, the medical maximum is the limit.

You can reach and talk to a licensed agent in the event you need any clarifications. Licensed agents are based in the US. Claims Administrators are also based in the US and process the claims in conjunction with the providers’ offices.

Visitor travel Insurance

Benefits from the time you leave your country for hospitalization, ambulance, evacuation prescription drugs and acute onset of a pre-existing condition. No medical examinations required; Confirmations including ID Cards received immediately. Easy online application.

Visitor Medical Insurance

Visitor medical insurance, sometimes referred to as visitor health insurance is a short-term travel insurance policy that protects visitors during their stay in a host country. The coverage is for business or personal travel plans and covers accidental injury or illness that may occur during a visit to a foreign country. These plans frequently include medical evacuation and repatriation benefits as part of the coverage.

Medical care in the United States is expensive, so if you are going to travel, you must ask yourself if you are likely to require medical services during your trip and if you can pay for it should the need arise. Travel insurance is intended to be used by non-US citizens, parents, families, business travelers, tourists, non-immigrant visa holders, immigrant visa holders, K visa holders, or missionary travelers. The majority of schools do not provide insurance for students on optional practical training (OPT) and the ones that do tend to be costly, so visitor medical insurance is indeed an option for students as well.

Using Your Visitor Medical Insurance

If you have a visitor medical insurance plan, the process using it is straightforward. Check to find a PPO provider included in your plan.  At the hospital, you will present your ID card and submit the information required by the staff. Although providers typically bill your insurance company directly, you may be asked to make a payment as your co-payment or deductible. Be prepared to answer medical questions and have a copy of your medical history on hand. After you receive your treatment, request an itemized copy of your bill. Typically, a provider can send this directly to your insurance company or you. Download the appropriate claim form from your insurance company website. Typical documents required for filing a claim include:

  • Completed claim form
  • Copy of passport
  • Copy of I-94 if visiting the USA
  • All receipts
  • Copies of medical bills and itemized services

If the insurance company denies the claim, it could be because it is not covered or lacks the supporting documentation. Your request may be considered an exclusion from the plan, submitted too late, or it may be because you purchased your plan too late. Once you understand the reason for the denial, file an appeal. This formal request for reconsideration should include copies of the supporting documents, an outline of the reasons for the motion, and if possible, a letter from the physician stating why the care was needed. If you are ultimately responsible for paying the charges associated with the medical treatment, inquire with the treating provider to possibly have the charges reduced or work out a payment installment plan.

When Your Plan Does Not Work

All insurance plans have exclusions. Typical exclusions by most visitor medical insurance plans include:

  • Losses due to pre-existing medical conditions
  • Travel costs when the purpose of the trip is to obtain medical services outside of your home country
  • Extreme high-risk sports including sky-diving, scuba diving, and bungee jumping.
  • Loses due to war
  • Venereal disease, AIDS virus, pregnancy, or abortion
  • Mental, psychological, or nervous disorders
  • Intentional bodily harm including suicide
  • Treatment due to alcohol intoxication or under the influence of drugs

Sample Plans

Two of the most popular and highly regarded visitor medical insurance options available today are the Patriot America Plus plan and the Visitors Care plan.

Patriot America Plus, administered by International Medical Group (IMG), offers comprehensive travel insurance for all non-US citizens visiting the United States. Sirius International, the company that underwrites Patriot America Plus, maintains an A rating by A.M. Best. Policies are available with maximums from $50,000 to $500,000 and deductibles from $0 to $2,500. Patriot America Plus can be purchased online here, or by telephone. A policy is good for five days to two years. Patriot America Plus covers medical expenses, evacuation, and repatriation and is renewable up to 24 months. It does offer coverage for acute onset of a non chronic pre-existing medical condition for those under 70 years of age with certain policies. A full listing of PPO network providers is available.

Visitors care, a fixed benefits plan, is also underwritten by Sirius International, which has an A.M. Best rating of A. This plan offers benefit maximums of $25,000, $50,000, or $100,00. There is also a choice of deductibles of $0, $50, or $100 and the plan is renewable up to 24 months. Visitors Care insurance can be purchased online, or you can print a paper application. Policies are available starting at five days in duration. Visitors Care covers medical expenses, emergency evacuation, and repatriation costs. The company will not cover any condition that existed within the three years before the effective date of the insurance. However, the company does offer an optional rider to cover hospitalization due to a myocardial infarction or a cerebrovascular accident if related to a pre-existing condition. Providers within the PPO network for Visitors Care are listed at the company’s site online.

Paying for your Patriot America or Visitors Care policy is typically done with a credit card, check, money order, or an e-check, and you can expect your identification card, declaration of insurance, and a certificate of insurance once the company approves your application. The applications require some personal information and selection of which policy is best for you. The forms are available online, or you can print a paper application. Although the plans do not require previous medical records, it is always prudent to keep your medical records with you especially if you have a chronic condition. Although you can purchase a policy up until the day you depart, the ideal time to buy one of these plans is as soon as you make your trip deposit.

General Guidelines

There are two general types of benefit plans. A scheduled benefit plan has benefit limits for each type of medical expense or service, and typically, it is essential to pay an initial deductible. These plans have the lowest premiums, but the benefits are limited in comparison with comprehensive plans. A comprehensive benefits plan does not have benefit limits based on the medical expense. The expenses are based on the reasonable and customary charges and are covered up to the policy maximum less the deductible and co-insurance.

You can purchase a plan in your home country rather than purchasing one from the USA. However, there are numerous advantages associated with buying a plan in the USA:

  • The insurance industry in the USA is heavily regulated
  • Better customer support service
  • Claims processed faster
  • Multiple plans to choose from
  • Support for the companies by the Better Business Bureau (BBB)

Insurance plans that offer a renewable option extend coverage for 6 to 36 months. Not all policies are renewable which is relevant if there may be a chance you continue your stay. A significant advantage of a renewable plan is that you pay the deductible only once during the policy period instead of paying it each time you purchase a new policy. The majority of plans provide coverage for persons up to age 69. However, some plans extend up to age 80+. If you are buying a policy for two people, the benefits, and the costs do not differ between buying individually and buying combined. Separate policies have flexibility if the two travel agendas differ. You can purchase a policy online from virtually anywhere with no medical exam required. If you have dual citizenship with the United States, you must use your US citizenship to review insurance plans.

If travel plans change, the insurance plan can also be cancelled as required. Some plans will offer a refund while others will not. Those plans that do offer a refund maintain specific guidelines for returns so check with your provider.

These visitor insurance plans provide medical protection when international travelers are outside their home countries. In countries such as the United States, Canada, and Europe, healthcare is costly, so in some countries in Europe especially, travelers are required to purchase insurance before they are allowed a visa. So research the available plans to find the best option for your travel needs.