Visit USA Vs. Visit USA Budget: A Detailed Comparison

When planning a trip to the United States, securing the right travel insurance is crucial to ensure a smooth and safe journey. Here is a detailed comparison of Visit USA Vs. Visit USA Budget. Both offer coverage designed to protect travelers from unexpected medical emergencies, trip disruptions, and other travel-related issues.

However, they differ in terms of coverage limits, benefits, and pricing, making it important for travelers to choose the one that best suits their needs. This detailed comparison will explore the key features of both plans to help you make an informed decision.

Table of Contents:

• Visit USA- Standard and Superior Plan Highlights
• Visit USA Budget – Plan Highlights
• About the Provider
• Comparison between Visit USA Vs Visit USA Budget
• FAQs
• Conclusion

Visit USA- Standard and Superior Plan Highlights

Visit USA is a comprehensive plan available to non-US citizens  visiting the US. The plan offers comprehensive-benefits  for medical expenses related to injuries and illnesses, including hospitalization, surgery, doctor visits, prescriptions, medical evacuation, repatriation, accidental death, and more. The plan offers coverage within the United States.

Plan highlights:

• Choose from two options of comprehensive benefits:  options –  Standard, and Superior.
•  Includes coverage for acute onset of pre-existing conditions  up to $20,000 when treatment is obtained within 24 hrs. for acute onset of non-chronic pre-existing conditions for under 65yrs and $2500 above 65 yrs.Deductible options from $0 to $1,000.
• A range of coverage options from $50,000 to $250,000 for the policy maximums.
• $50 co-pay for Urgent Care for Standard and Superior plans.
• Emergency Medical Evacuation coverage limits of   $250,000, on the Standard plan and $500,000 on the Superior plan. $2,500 coverage for Trip Interruption on the Standard plan and $5,000 on the Superior Plan.
• $25,000 to $50,000 coverage for Political Evacuation for Standard and Superior Plans.

Visit USA Budget- Plan Highlights

Visit USA Budget is  a fixed benefit plan made for non-US residents and citizens, providing coverage within the US. This plan is offered at a lower cost, and comes with a per incident deductible, has fewer benefits and lower coverage limits than the Standard and Superior plans.

Plan highlights:

• The maximum policy is $50,000 up to 80 years, and $20,000 for 80+ years.
• $100,000 coverage for Emergency Medical Evacuation.
• COVID-19 coverage is included.
• Includes coverage for acute onset of pre-existing conditions up to $20,000 when treatment is obtained within 24 hrs. for acute onset of non-chronic pre-existing conditions for under 65yrs and $2500 above 65 yrs.
• $25,000 coverage for Repatriation of Remains.
• 24/7 Worldwide Assistance available.

About the Provider- Travel Insurance Services

Since 1973, USI Affinity Travel Insurance Services (TIS) has been providing travel insurance solutions for all types of travelers. Whether you are moving abroad, going on a business trip, pursuing studies, or vacationing, TIS offers tailored coverage to meet your needs. Based in Philadelphia, PA, TIS serves individuals, groups, students, businesses, and more with comprehensive travel insurance plans. A part of USI Holdings Corporation, the third largest privately held insurance agency in the US, TIS provides coverage for accident, sickness, trip cancellations, emergency evacuation, lost belongings, and more, offering reliable protection at affordable premiums.

Comparison between Visitors Care Vs Safe Travels Elite

Category	Visit USA	Visit USA Budget
Plan type	Comprehensive	Fixed
Benefits	Covers medical illnesses and accidents, medical evacuation, repatriation, COVID-19, emergency reunion, terrorism, personal liability, AD&D, Political evacuation, trip interruption, crisis response and 24/7 worldwide assistance.	Covers medical illnesses and accidents, medical evacuation, repatriation, COVID-19, emergency reunion, terrorism, personal liability, AD&D, Political evacuation, trip interruption, crisis response and 24/7 worldwide assistance.
Eligibility	Non-US residents and citizens	Non-US residents and citizens
Underwriter	Lloyds of London	Lloyds of London
PPO	First Health Network for GDPR residents. United Healthcare Network for other residents.	No PPO network. Insured individuals can choose any doctor or provider.
Policy Maximum	Standard Plan: Plan A: $75,000 (Age 80+, $20,000) Plan B: $200,000 (Age 65-69, $100,000) Superior Plan: $250,000 (Age 65-79: $100,000; Age 80+: $20,000)	Budget Plan: Plan A: $50,000 (Age 80+, $20,000) Plan B: $150,000 (Age 65-69, $100,000)
Deductible	Standard and Superior Plans: $0, $250, $500, or $1,000 per certificate	$0, $50, $100 or $250 per incident
Coverage Days	5 days to 2 years	5 days to 2 years
Provider	USI Affinity Travel Insurance Services	USI Affinity Travel Insurance Services
Ratings	A.M. Best Rating: A(Excellent)	A.M. Best Rating: A(Excellent)
Brochure	View	View
Plan page	View Plan Page	View Plan Page
Plan features
Pre-existing Conditions	Covered up to $20,000 when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions for under 65 years and $2500 above 65 years	Covered up to $20,000 when treatment is obtained within 24 hours for acute onset of non-chronic pre-existing conditions for under 65 years and $2500 above 65 years
Urgent Care	Standard and Superior Plans: Covered; Subject to $50 co-pay and coinsurance.	No benefit
COVID-19	Covered	Covered
Emergency Medical Evacuation	Standard Plan: $250,000 Superior Plan: $500,000	$100,000
Repatriation of remains	Standard Plan: $50,000 Superior Plan: Overall Maximum Limit	$25,000
Terrorism	Standard and Superior: $50,000	$25,000
Emergency Reunion	$15,000	$15,000
Political Evacuation	Standard Plan: $25,000 Superior Plan: $50,000	No benefit
Accidental Death and Dismemberment	$50,000 (Age 18-69)	No benefit
Crisis Response	$10,000 only for Superior Plan	No benefit
Trip Interruption	Standard Plan: $2,500 Superior Plan: $5,000	No benefit

FAQs

Visit USA- Standard and Superior FAQs

Who can buy the Visit USA Standard and Superior plans?

Visit US is available to non-US citizens or non-US residents who are at least 14 days old traveling outside their home country and visiting the US. The plan is not available to US Citizens, US Residents, or Green Card holders in the US.

Does the plan cover dental emergencies?

Visit USA – Standard and Superior plans include coverage for the emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covering up to $1000 or for the emergency relief of acute onset of pain covered up to $100. Review the plan’s certificate to know more.

Does the plan offer trip-related benefits?

Visit USA Standard and Superior plans offer trip interruption benefits up to $2,500 and $5,000 coverage, respectively.

Does the plan cover pregnancy?

Yes, but only covers new pregnancy complications during the first 26 weeks. Review the certificate for complete details.

Can you renew or extend the plan?

No, the Visit USA-Standard or Superior plans cannot be renewed. However, you may purchase another policy if you need additional coverage. Simply re-enroll in the Visit USA plan of choice and coverage can begin from the very next day.

Visit USA Budget- FAQs

Does Visit USA Budget cover hospitals?

The plan covers hospital bills up to $1,500 per day for 30 days max for Plan A, and it covers up to $2,750 per day for 30 days max for Plan B. If the bill exceeds more than this amount per day, it must be covered by the insured.

What other outpatient treatment does the plan offer?

Outpatient benefits included in the plans are surgery, pre-admission testing, diagnostics X-ray and labs, emergency rooms, observation room services, outpatient prescription drugs, and office visits, including Urgent Care.

Does it cover dental emergencies?

No, the plan does not cover dental emergencies or accidents.

Who can buy the Visit USA Budget plan?

Non-US Citizens who are at least 14 days of age that are traveling to the US.  are eligible to buy this plan. The Visit USA Budget has two options to choose from – Plan A ($50K) and Plan B ($150K). Individuals aged 14 days to 69 years can opt for either Plan A or B for coverage up to the policy maximum. For ages 65 to 69 years, Plan B provides $100K in coverage while individuals aged 80 years and above can opt for Plan A with $20K in coverage. Individuals between 70 to 80 years, can opt for Plan A with $50K in coverage.

What is the cancellation and refund process?

Premiums will be refunded in full if a written cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate’s effective date if a written request has been received and is subject to the following provisions:

a. A $25 cancellation fee will apply for administrative costs incurred by us; and

b. Only the unused portion of the plan cost will be refunded; and

c. You cannot have filed any claims to be eligible for a premium refund.

Can the Visit USA Budget plan be renewed?

The Visit USA-budget plan cannot be renewed. However, you may purchase another policy if you need additional coverage. Simply re-enroll in Visit USA-Budget and coverage can begin from the very next day.

Conclusion

Both Visit USA and Visit USA Budget offer valuable travel insurance options for international visitors to the US, but they cater to different needs of travelers coming to the US. If you are not sure which plan to buy and is ideal for you, give Visitor Guard® a call on (804) 325-1385.