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Visitors Insurance Reviews, Features, and Benefits
Visitor insurance plans are intended for international travelers seeking coverage for travel and medical emergencies. If you are looking for travel insurance plans that provide excellent health coverage, you have come to the right place.
Visitor Guard® will match you with the insurance plan that best fits your health needs and travel plans. The following benefit overviews and visitor insurance reviews should help you find the coverage option that makes the most sense for you. Read on to get an experience-based view of the best health insurance for visitors to the USA.
Visitors Insurance Reviews
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Nisha Visweswaran
I was having some queries and difficulties regarding the health insurance I wanted to purchase for my parents traveling from India to the US. Pallavi helped me out to resolve those queries and difficulties, and I was able to get the insurance purchased as needed.
Glenn Pierre
I give Trawick an A+ as far as customer service. My agent was patient and informative on the details of all of the plans. He helped me immensely in choosing what I needed. I definitely will use Trawick again.
Aashish Jain
I highly recommend Visitor Guard. The web experience is easy to use and there is lots of useful information for insurance newbies like me. I was able to get personalized advice on which policy has specific COVID coverage which made the process of shopping for insurance for my mom super easy. Very thankful to the team for an outstanding experience.
Anand Annamalai
I just bought insurance from visitorguard and the experience has been amazing. The website is intuitive, has a lot of articles that explain the nuances of visitor insurance, simple to use navigation that walks you through the process and within a few clicks I could buy the insurance. It allows to choose for the right coverage and deductible that suits your need and I highly recommend it.
Anupama V Sarma
Have bought visitor insurance for my family’ trips to the US. The VisitorGaurd website makes it easy to compare various plans – their costs & benefits. The agents are patient, polite, and know the pros and cons of the plans. We have bought Atlas as well Liaison in the past.
Definitely recommend them for all your travel insurance needs!
Mangirish Rajadhyaksha
I have used Visitorguard for purchasing insurance for my parents visiting the US, twice now.
I am impressed with the choice of plans offered and the courteousness of the assisting agents. I bought the Safe Travels USA comprehensive plan which covered both my parents as well as my grandmother. The application process was very easy and straightforward.
I would definitely recommend Visitorguard for purchasing insurance
Hema Havaldar
A wide range of plan choices. Very courteous and knowledgeable. I bought the Atlas America plan. We especially liked the acute on-set of preexisting benefit and the 100% coverage after deductible if you go to a doctor in the network. The application process was easy. I received the confirmation right away and was able to download and print the documents including the ID Cards.
Anita Rao
Fair, and reachable. Very efficient in claims payment and processing claims – I highly recommend them.
Madura
I already recommended this insurance to my other family members and also to my friends.
Dianne Dunn
This is the second year we have purchased the Visitors Insurance. Luckily, we have not had to use it. However, if we did have a medical emergency we would probably have to return to Canada as early as possible due to our limited coverage and the cost of medical care in the U.S.
Features to look for in Visitor Insurance
| Feature | What does it mean? | Advantages to Insured | Disadvantages to Insured | Plan Name | |
|---|---|---|---|---|---|
| Type Of Plan | Fixed/Limited Benefits | Benefits for hospitalization, intensive care, surgery, prescription drugs etc. have defined sub-limits | Lower premium for Basic coverage | In the event you must use the policy, the Out of pocket is unknown till you get the bills | Visitors Care, Safe Travel USA Limited Benefits |
| Comprehensive | Benefits have no sub-limits and are paid up till your policy maximum for hospitalization, intensive care, surgery as well as prescription drugs | Good coverage- Plan pays up to the chosen policy maximum once the insured meets the deductible and coinsurance | Premium is usually higher | Safe Travel USA Comprehensive, Atlas Travel, Patriot America Plus, Diplomat Series | |
| PPO Network | PPO Network is a group of medical providers, such as hospitals and doctors for a health plan. | Providers in the network can bill the insurance company directly. You also can get negotiated rates for services. Some plans also waive your deductible and/or coinsurance if you stay in network. | If you go to a provider out of network, they might not be able to bill direct thereby you will have to pay upfront and submit a claim. You are typically billed the URC and not the negotiated rates. Some plans also will not waive your deductible and co-insurance | First Health Network; United Health Care | |
| Plan Renewability | If your plans change and you need coverage for a longer duration, can you extend/ renew the policy? | You can stay on the same policy without break in coverage. | If you do need coverage for a longer duration than you initially bought it for you will have to buy a new policy if the plan cannot be extended. This would mean new pre-existing condition exclusions. Also deductibles and co-insurance will have to be paid again. | Diplomat America cannot be extended or renewed. Safe Travel USA Comprehensive can be extended and renewed up to 2 years. | |
| Type of Coverage | Per Life of Plan | The benefit amount applies to all claims you make throughout the policy period. They all get added towards the policy maximum amount. | Patriot America Plus; Safe Travel USA Comprehensive | ||
| Per Injury Sickness | Also known as Per incident; the benefit amounts apply to each individual sickness or injury. | For every new incident you get a new coverage. The overall limit still remains. | Visitor Care | ||
Visitor Health Insurance: Key Benefits
Before we dive into visitor insurance reviews, let’s take a look at the best-in-class benefits that the best visitor insurance companies provide. Be sure that you can check most or all of these boxes before purchasing; these benefits should be included in your plan if you hope to feel safe and secure. First, you will want to look for policies that cover extensive medical care and emergency transportation.
The cost of medical care and ambulance transportation is astronomical in the United States. Look for a plan with $50,000 or more in emergency medical coverage. The best insurance will cover both, which protects you from having to pay for surgeries and medical transportation out of pocket in the event of an emergency. The best travel insurance plans cover a minimum of $100,000 for emergency transportation. Also, look for plans that cover the sudden onset of a pre-existing condition. Additionally, you will want to consider a plan that provides evacuation insurance and repatriation of remains.
Medical Benefits of a Visitor Insurance Policy
Hospitalization
Once your deductible is met, your plan will provide benefits up to your policy maximum for comprehensive policies or up to a pre-defined limit for a fixed benefit plan.
Doctor Visits
Your insurance will cover up to a chosen policy maximum for a comprehensive policy or a pre-defined limit for a fixed benefit plan.
Dental
Some insurance plans offer dental coverage, so you’ll be protected in case of an injury or pain in your teeth.
Diagnostics
Certain plans offer coverage for diagnostic tests such as blood work, x-rays, MRIs and other procedures
Prescriptions
Prescription benefits will cover a new prescription as long as it is purchased during the dates the policy is effective.
Pre-Existing Conditions
If you have an acute onset of a pre-existing condition, some visitor insurance can cover you if you are under 70 years.
A Look at Visitor Insurance Popular Plans
Which plan makes the most sense for you? You don’t have to take our word for it. Let’s take a look at the top plans and see what people are saying about the coverages, features, benefits, and overall customer experience.
Patriot America Plus Traveler’s Insurance
Patriot America Plus is an affordable and comprehensive travel medical insurance plan that provides coverage to people traveling to the USA from their country of residence. After a low deductible, and within the plan’s PPO network, Patriot pays 100% up to the policy maximum. It’s also renewable and cancellable (full refunds are offered before the coverage date begins).
Highlights:
- Participates in PPO Network, which connects you with thousands of reputable doctors, hospitals, and medical experts throughout the USA
- All claims handled in the United States
Limitations
- Low policy maximums for those over 80
- Maximum of 24 months’ coverage
- No acute onset of pre-existing conditions coverage for certain ages
Visitors Care Insurance
Visitors Care Insurance offers basic coverage for those traveling outside of their home county. This low-cost, fixed benefit plan provides medical benefits such as out-patient and in-patient treatments, ambulance transportation, emergency evacuation, and more. If you choose Visitors Care, you can be covered for as little as 5 days and as many as 364.
The Highlights:
- Low price and affordable premiums
- Renewable
- Optional add-on coverage of acute onset of pre-existing conditions
Limitations
- Coverage and benefits may be inadequate for some travelers
- Maximum 12 months coverage
- $25,000 policy max for travelers 80 and older
Visitors Care
$$31 / mo For a 45-year-old with $50,000 plan maximum- Maximum limits ranging from $25,000 to $100,000
- Deductible options from $0 to $100
- Hospitalization, ER, Dr. Office Visits, Prescription Drugs
- Coverage for Acute Onset of Pre-existing Conditions
- Coverage from 5 days to 2 years
- Brochure
Atlas America Insurance
Atlas America Insurance is a comprehensive visitor insurance plan designed to provide medical coverage for individuals and families traveling to the United States from other countries. This insurance covers the acute onset of pre-existing conditions within predefined limits. Within the PPO network, and after the deductible, Atlas covers 100% up to the policy max for injuries or illness covered in the plan.
The Highlights:
- Cancelable and refundable
- Covers acute onset of pre-existing conditions for up to 2,000,000 for those under 70 years of age
- Claims handled in the USA
Limitations
- Low policy maximums for those over 80
- Coverage limited to 364 days; however, the policy is renewable
- Emergency room coverage has limitations
- Pre-existing condition coverage is limited to the acute onset and must be treated
Additional Ratings
- Rated A+ by Standard & Poor’s
- Great customer feedback online
Safe Travel USA Comprehensive
Safe Travel USA Comprehensive Insurance is a comprehensive visitor insurance plan designed to provide medical coverage for individuals and families traveling to the United States from other countries. This insurance covers one acute onset of pre-existing conditions within predefined limits. Within the PPO network, Safe Travel USA Comprehensive covers 100% up to the policy max for injuries or illness covered in the plan.
The Highlights:
- $75 Doctor Wellness Visit Benefit
- Cancelable and refundable
- Covers one acute onset of pre-existing conditions upto policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under. Covers upto $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y
- Claims handled in the USA
- Athletic Sports coverage is available.
Limitations
- Low policy maximums for those over 80
- Coverage limited to 364 days; however, the policy is renewable
- Pre-existing condition coverage is limited to one acute onset
Additional Ratings
- Rated A(Excellent) by AM Best
Listed Here the Visitor Health Insurance USA Cost
Visitor Age |
Plan Medical Limit | Price* |
|---|---|---|
55-59 |
Safe Travel Comprehensive
|
$110 per month |
55-59 |
Safe Travel Comprehensive
|
$136 per month |
How Much Does Visitor Health Insurance Cost?
There is no one-size-fits-all cost for visitor health insurance plans. It differs for limited and comprehensive plans. The details like your age, the number of days you need coverage for, the deductible, and the policy maximum, determine the amount of your premium.
The premium for Visitor Health Insurance USA Cost varies from $52-$136 (or more depending on the age) per month. The limited benefit plans are all cheaper than the comprehensive plans.
Many of these plans offer an extension or an upgrade like sports injuries. You can opt for them according to your special needs.
The quick procedure lets you start the coverage plan from the next day of application and confirmation. You can also choose a future date to initiate coverage while applying.
Medical emergencies are expensive in the USA, even for a minor injury. It can easily disrupt your whole budget for traveling. But opting for health insurance can go a long way to bring you peace of mind.
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.
Ready to purchase your visitor insurance? Find out more about visitors health insurance for USA travel. Or give us a call at 1-804-325-1385. We look forward to giving you peace of mind while on your next great American adventure!
