VisitorSecure Insurance

VisitorSecure® provides protection for those immigrating or traveling to the U.S. and internationally. VisitorSecure® is a limited benefit plan designed for international visitors who live and work outside their home country and traveling for a minimum of five days.  It protects visitors who experience an illness or injury while in the United States. VisitorSecure® Insurance is a low-cost visitor insurance plan providing both outpatient and inpatient hospital benefits, as well as many other valuable services and benefits. While covered under a VisitorSecure® plan, policyholders can travel freely and without the worry of the financial hardship that so often results from emergency medical treatment in the U.S.

Medical treatment is expensive in the United States. And don’t assume your home insurance will provide coverage. Many hospitals and healthcare providers won’t accept foreign insurance. And even if they do, you could be left waiting for care at a critical time if there is an issue. Thanks to its flexible coverage duration and widespread emergency medical coverage, VisitorSecure® Insurance is a popular option for those looking to secure safe and carefree travel for their loved ones. Keep your family and friends secure with an affordable, limited benefit plan.

About the Policy

The policy offers coverage for covered medical expenses including hospitalization, surgery, physician visits, and prescriptions. VisitorSecure® is a cost-effective insurance policy that you can consider while traveling to the U.S. VisitorSecure® is underwritten by Llyods and is rated A++ (superior) by AM Best. The plan is administered by Tokio Marine HCC – MIS Group.

VisitorSecure® can be bought for a minimum of 5 days up to a maximum of 364 days. The plan can be renewed before the end date of the policy and can be extended up to 2 years.

You are free to go to any doctor, hospital, or urgent care in the area. Being a scheduled/fixed benefit policy, after the deductible has been met, the policy will pay the predefined limits and you will pay the difference between the scheduled and the actual limits.brochure

VisitorSecure® Insurance Benefits and Coverage

VisitorSecure® insurance offers a range of coverage and has choices of $10,000 (for ages 80+), $50,000, through $130,000 for the policy maximum and deductible choices of $0, $50, $100 and $200 based on the age.  The policy includes the acute onset of preexisting conditions for people below 70 years of age.


Range of Coverage

The policy provides insurance for medical accidents and sickness, emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trips. Based on the age, the plan offers coverage options from $10,000 to $130,000 and has choices of deductibles from $0 to $200.

Instant ID Card

Your ID card and insurance documents will be emailed to you as soon as your purchase has been completed.

Pre-existing Coverage

The policy provides coverage for acute onset of preexisting conditions. Lifetime maximum limit ranging from $50,000 to $100,000 per coverage period.

Urgent Care

A maximum of 10 visits can be covered. Predefined limits on the amount of coverage per the chosen plan.

Repatriation

Repatriation of Mortal Remains up to $25,000 upon the death of the insured.

Renewable

If the plans are bought for a minimum of 5 days the plan can be renewed up to 364 days.


VisitorSecure® medical insurance provides benefit maximums of US$10,000 for ages 80+, US$50,000 US$75,000 US$100,000 US$130,000 for the life of the plan.

  1. US$0, US$50, or US$100 applied per period of coverage or $100 or $200 for ages above 70 years.

Plan Pays: 100% of the scheduled benefit limit. The insured is responsible for charges that are not considered eligible medical expenses and exceed the maximum limits stated in the inpatient services, outpatient services, emergency services, and other services sections of this benefits summary.

Four plan options are available with different plan maximums: $50K, $75K, $100K and $130K. You may initially enroll in VisitorSecure® Insurance for as little as 5 days and up to a maximum of 364 days.

VisitorSecure® health insurance can be purchased for 5 days up to 364 days and can be renewed without a break in coverage up to a maximum total of 364 days.

VisitorSecure® medical insurance is underwritten by Llyods.

VisitorSecure® medical Insurance is administered by Tokio Marine HCC MIS Group ®. 

How it works?

Eligibility

  1. Only individuals traveling outside of their Home Country who are at least 14 days of age are eligible for coverage under this plan. U.S. citizens must be traveling outside of the continental U.S., Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands in order to be eligible.  For individuals coming to the U.S. who are over age 65, coverage must be effective within 30 days of arrival.
  2. Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan.

          B. Certificate Effective Date – Insurance hereunder is effective for a Member on the later of:

  • the moment Underwriters receive Application and correct premium if Application and payment is made online or by facsimile; or
  • 12:01a.m. U.S. Eastern Time on the date Underwriters receive Application and correct premium if Application and payment is made by mail; or
  • the moment the Member departs from his or her Home Country; or 4. 12:01 a.m. U.S. Eastern Time on the date requested on the Application.

          C. Certificate Termination Date – Insurance hereunder terminates for a Member on the earlier of:

  • 11:59 p.m. U.S. Eastern Time on the last day of the period for which premium has been paid; or
  • 11:59 p.m. U.S. Eastern Time on the date requested on the Application; or
  • the moment of the Member’s arrival upon return to his or her Home Country. Notwithstanding the foregoing, coverage under all Plans shall terminate on the date Underwriters, at their sole option, elect to cancel all Members of the same sex, age, class or geographic location, provided Underwriters give no less than 30 days advance written notice by mail to the Member’s last known address.
No, preexisting conditions are not covered under the VisitorSecure® policy. However, for ages under 70 years, acute onset of a pre-existing condition can be covered up to the chosen policy maximum as per the schedule of benefits in the brochure.

Acute Onset of a Pre-Existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which

1) Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive and requires urgent care.

2) Must occur after the effective date of the policy and

3) Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

No, adventure sports are excluded from coverage.

You are free to go to any doctor, hospital, or urgent care in the area. Being a scheduled/fixed benefit policy, once you meet your deductible the policy will pay the predefined limits and you will pay the difference between the scheduled and the actual limits.

The application will need the name, date of birth, visitor’s home country address 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.

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.

As long as your initial purchase was a minimum of 5 days, you can renew the policy. VisitorSecure® insurance plans can be purchased for up to 364 days. Renewals are available in daily increments and may be completed online. For each renewal, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 364 days coverage period.

Before the effective date of the policy:  Full cancellation and refund will only be considered if the written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

  1. a) If any claims have been filed, the Premium is fully earned and is non-refundable.
  2. b) If no claims have been filed with the Company, then a pro-rated refund is possible with a cancellation fee of US $25.

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:

  1. 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 90 days after seeing the provider
  5. Follow up on your Claim by calling 1-800-605-2282emailing service@hccmis.com

Claims filing address and email:
HCC Medical Insurance Services
Attn: Claims Dept.
Box No. 2005
Farmington Hills, MI 48333-2005

Claims Number: 1-800-605-2282
Email: service@hccmis.com.   

Emergency Travel Assistance
For emergency assistance, you can call:
Toll-free: 1-800-605-2282
Collect Calls Only: +1 (317) 262-2132