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Visit USA-HealthCare® for Visitors to USA
- Who: Available to Non-US citizens who are at least 14 days traveling outside their home country. Business and leisure travelers, new immigrants, tourists and holiday travelers, Church or missionary travelers to the US, and parents of students studying in the US can all consider this visitors insurance. You can get coverage for yourself, entire family, including spouse and children or children traveling alone.
- What: Provides insurance for in-patient ad out-patient medical accidents and illness, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death, and dismemberment.
- Where: Provides coverage in the United States.
Why is Visit USA-HealthCare Insurance Good for Visitors?
With Visit USA-HealthCare® health insurance, foreigners traveling to the US can build their plan by choosing the policy maximum and deductible providing flexible coverage.
Plan Benefits: You can choose from three options- Budget, Standard, and Superior. All options provide visitor medical coverage for illnesses and injuries for in-patient and out-patient treatment as well as Urgent Care. Additional benefits include coverage for Covid-19, Acute onset of a pre-existing condition as well as AD&D, Trip Interruption, Lost Checked luggage, Repatriation, and more based on the plan you choose. Choose Deductible options from $0 to $1,000.
You can review the complete benefits in the Brochure.
Pre-existing: Pre-existing conditions are excluded from coverage. However, acute onset of a pre-existing condition that is not chronic and congenital in nature can be covered up to $20,000 for member below 65 years and up to $2,500 for members ages 65 and above
PPO Hospital Network: If you are GDPR residents you can search for providers in the First Health Network; All others can search for providers in the United Healthcare Network.
Special Feature 1: Includes medical coverage for eligible expenses related to COVID-19 for visitors to the US.
Special Feature 2: Choice of three options: Budget, Standard, Superior to suit your requirements
Special Feature 3: Optional upgrade for AD&D coverage on the Standard and Superior plans.
Coverage Offered by Visit USA-HealthCare
Visit USA-HealthCare Visitor Insurance has a choice of Budget, Standard, and Superior visitor health insurance providing medical insurance for visitors to the US. The policy covers unexpected injury and illness while you are traveling outside of your home country. It can be bought from 5 days to a maximum of 364 days after which you can re-apply for the plan. You can choose from a range of coverage options from $50,000 to $250,000 for the policy maximums, and deductible choices of $0, $50, $100 up till $1,000.
You can review the complete benefits in the Brochure
Coverage Highlights:
- Insurance for hospitalization. Emergency Room, Office Visits, and Prescription Drugs for accidents and illnesses, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, personal liability, and AD&D.
- COVID-19 is covered and treated as any other sickness
- Coverage for an Acute Onset of a Pre-Existing Medical Condition
- In network, Co-insurance waived on the Standard and Superior Plans
- Coverage for 5 days to 364 days
- $50 co-pay for Urgent Care for Standard and Superior plans.
- Optional AD&D upgrade available on the Standard and Superior Plans
Benefits for Visit USA-HealthCare Standard Plan
| Benefit | Plan A (14 days to 80+yrs.) | Plan B (14 days to 69 yrs.) |
|---|---|---|
| In-patient Hospital | $75,000 (Age 80+, $20,000) | $200,000 (Age 65-69, $100,000) |
| Out-patient Clinic | $75,000 (Age 80+, $20,000) | $200,000 (Age 65-69, $100,000) |
| Doctor Visit | $75,000 (Age 80+, $20,000) | $200,000 (Age 65-69, $100,000) |
| Prescription Drugs | $75,000 (Age 80+, $20,000) | $200,000 (Age 65-69, $100,000) |
What is the Price or Cost of Visit USA Travel Insurance?
The pricing is dependent on the following factors: The higher the plan limit, age, or coverage days, the higher will be the premium. If you add any optional coverage the premium will increase. Your premium reduces if you opt for a higher deductible.
Plan Limit: With the Visit USA visitors insurance, foreigners traveling to the USA can opt for Budget, Standard, or Superior coverage. The Budget and Standard plan have two options -A and B while Superior has only one option. The options Budget Plan A provides coverage of $50,000 while Plan B provides $150,000, Standard Plan A provides $75,000 while Plan B provides $200,000. The Superior provides coverage of $250,000. Plans limits change per age. Review Brochure for details.
Deductible Amount: You can choose from $0 $50, $100, $250 per-incident deductible on the Budget plan while the Standard and Superior plans have options of $0, $250 $500, or $1,000 per certificate.
Age: Plan is available for ages 14 days to above 80 years.
Coverage Days: This plan can be bought for a minimum of 5 days up to a maximum of 364 days.
Optional Coverage Benefits Riders: Optional riders include the following:
- Optional Accidental Death & Dismemberment Rider: The plans include up to $50,000 Accidental Death & Dismemberment coverage (no benefits on the Budget Plan). For an additional premium, the Standard and Superior plans allow you to add up to $100,000 in additional coverage.
- Optional Coverage for Sports: The Superior plan offers optional coverage for Intercollegiate sports and Hazardous sports.
Visit USA Insurance Price Table
| Age | Budget Plan Policy Max Limit $50,000 | Standard Plan Policy Max Limit $75,000 |
|---|---|---|
| From 50 to 59 years | $43.13 | $113.19 |
| From 60 to 64 years | $49.02 | $131.48 |
| From 65 to 69 years | $49.02 | $147.60 |
| From 70 to 79 years | $83.74 | $210.53 |
FAQ: How does Visit USA Insurance Plan work?
Non-U.S. Citizens who are at least 14 days of age that are traveling outside of their home countries.
Budget Plan: Individuals ages 70 and above must select Plan A. Individuals age 69 and under may select Plan A or Plan B.
Standard Plan: Individuals age 65 to 69 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 70 to 79 as of the certificate effective date are subject to a $75,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $20,000 overall maximum limit.
Superior Plan: Individuals ages 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $20,000 overall maximum limit.
No. However, the plan offers some coverage for an acute onset of a pre-existing condition.
A Pre-Existing Condition is defined by the policy as, “Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 18 months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 18 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 18 months immediately preceding the Certificate Effective Date.”
YOU ARE COVERED:
1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s)
which:
a. Occurs spontaneously and without advance warning either in the form of physician
recommendations or symptoms; and
b. Is of short duration; and
c. Is rapidly progressive; and
d. Requires urgent care.
YOU ARE NOT COVERED unless you fulfill the following condition:
1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
YOU ARE NOT COVERED IF:
1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or
2. The pre-existing condition is
• a chronic or congenital condition; or
• a complication or consequence of a chronic or congenital condition; or
• a condition that gradually becomes worse over time; or
3. The charges are for known, scheduled, required, or expected medical care, drugs or treatments
existent or necessary prior to the certificate effective date; or
4. Expenses arise directly or indirectly from anything in the General Exclusions.
You may go to any licensed health care provider. However, if you use a doctor or hospital in Visit USA-HealthCare’s large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network.
GDPR residents: First Health Network
All others: UnitedHealthCare Network
Not all options have coverage for sports. The Superior Plan has Optional upgrade for Intercollegiate/Interscholastic Sports Riders and Hazardous Sports Riders
The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents. If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.
Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.
The Visit USA-HealthCare plan cannot be renewed. However, you may purchase another policy if you find you need additional coverage. Simply re-enroll in Visit USA-HealthCare prior to the expiration date of the first policy. The “Requested Effective Date” should be one day after the first policy’s expiration date.
Prior to the effective date: A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee.
After the effective date: The Insurance Company considers the premium fully earned and non-refundable.
If you have paid for the bills upfront at the provider’s office or if you have paid for prescription drugs, you can follow the steps below to submit a claim.
It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing.
- Download and complete the Claims Form/ Claimant Statement You will have to submit the Claimant statement even if you have not paid upfront to the provider
2. Attach copies of all the pages of the passport
3. Attach the itemized bills
4. Submit the above within the stipulated time of 60 days after seeing the provider
Follow up on your Claim by calling 1-800-605-2282 emailing service@hccmis.com
Claims filing address and email:
Medical Insurance Services Group
Box No. 2005
Farmington Hills, MI 48333-2005
Claims Number: 1-800-605-2282
Email: service@hccmis.com
Visit USA is underwritten by Lloyd’s of London – Syndicate 4141