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Visitors Care vs. Visitor Secure: A Detailed Comparison 

Visitors Care vs. Visitor Secure: A Detailed Comparison

When planning a trip to a foreign country, it is essential to prioritize your health and safety. One way to do so is by purchasing travel insurance. For visitors traveling to the US, two popular options are Visitors Care and Visitor Secure. Both plans have scheduled benefits and offer essential coverage, but understanding their differences is crucial in making the right decision for your travel needs. In this blog, you learn about the key features of these two plans so that you can choose the most suitable one for your trip. 

Visitors Care 

Visitors Care, offered by International Medical Group (IMG), is a budget-friendly travel insurance plan designed for individuals visiting the US. It provides basic medical expenses resulting from new medical conditions or unexpected accidents and injuries that occur during the trip. It includes hospitalization, doctor visits, prescription medications, emergency room visits, etc., providing essential medical benefits for travelers during their short stay. The plan highlights: 

  • The plan offers limited coverage for medical expenses to non-US citizens. 
  • Coverage for minimum 5 days to maximum up to 2 years. 
  • For ages 14 days (about 2 weeks) to 99 years. 
  • The coverage limit ranges from $25,000 to $100,000 per illness/injury. 
  • The choices of deductibles are $0, $50, and $100. 
  • Covers acute onset of non-chronic pre-existing conditions. 
  • $25,000 to $50,000 emergency medical evacuation. 
  • COVID-19 is covered and considered as any other illness or injury. 
  • Renewable for up to 24 months (about 2 years). 

The provider: International Medical Group -IMG 

IMG offers a diverse range of plans to safeguard visitors traveling to the US. With IMG’s travel insurance plans, you can rest assured that you have the necessary coverage in case of illness or injury, regardless of the purpose of your trip, be it for business or pleasure. This makes it an ideal choice for a wide spectrum of travelers, including vacation seekers, business travelers, students, overseas relatives, and international adventurers. Visitors Care is an IMG plan. 

Visitor Secure 

Visitor Secure, provided by WorldTrips is a fixed-benefit travel insurance plan for international visitors coming to the US. The plan offers eligible medical expenses, ambulance, hospitalization, medical evacuation, acute onset of pre-existing conditions, urgent care, and more with certain sub-limits. Travelers traveling outside their home country looking for an economical insurance plan to cover them during the trip, Visitor Secure is one of them. 

The plan highlights: 

  • The plan offers limited coverage for medical expenses to non-US citizens. 
  • Coverage for minimum 5 days to maximum up to 364 days (about 12 months). 
  • For ages 14 days (about 2 weeks) to 89 years. 
  • COVID-19 is covered and considered as any other illness or injury. 
  • Covers acute onset of pre-existing conditions. 
  • The coverage limit ranges from $50,000 to $130,000. 
  • $50,000 for emergency medical evacuation. 
  • Deductible options range from $0 to $200. 

The provider- WorldTrips 

WorldTrips, established in 1998, holds the distinction of being the pioneering insurance company to offer its plans and services online. As a proud member of Tokio Marine HCC group of companies, it provides a wide array of travel, medical, and trip cancellation insurance policies tailored to meet the needs of individuals, groups, families, and companies globally. Visitor Secure is a part of WorldTrips plan. 

Category Visitors Care Visitor Secure
Plan type Fixed Fixed
Plan benefits Covers inpatient and outpatient services, acute onset of non-chronic pre-existing conditions, urgent care, intensive care unit, specialist consultation, doctor’s visit, medical evacuation, repatriation, COVID-19, and more. Covers inpatient and outpatient services, acute onset of non-chronic pre-existing conditions, urgent care, intensive care unit, specialist consultation, doctor’s visit, medical evacuation, repatriation, COVID-19, and more.
Underwriter Sirius Point Specialty Insurance Corporation Lloyds of London
PPO First Health Network No PPO
Policy maximum $25,000 (Lite), $50,000 (Plus), and $100,000 (Platinum) Ages 14 days (about 2 weeks) – 59 years: $50,000 $75,000 $100,000 $130,000 Ages 60 – 69 years: $50,000 $75,000 $100,000 Ages 70 – 79 years: $50,000 $75,000 Ages 80 and above: $10,000
Deductible $0, $50, and $100 for three categories of plans. Ages 14 days (about 2 weeks) – 59 years: $0, $50, or $100 Ages 60 – 69 years: $0, $50, or $100 Ages 70 – 79 years: $100 or $200 Ages 80 and above: $100 or $200
Coverage days 5 days to 2 years 5 days to 364 days (about 12 months)
Provider IMG WorldTrips
Ratings A.M. Best Rating: A – A.M. Best Rating: A Excellent
BrochureViewView
Plan page View Plan Page View Plan Page
Plan features
Hospital room and board Lite- Up to $825 max per day Plus- Up to $1,400 max per day Platinum- Up to $2,000 max per day 30-day max per period of coverage. Plan A- $1,450 per day Plan B- $1,725 per day Plan C- $2,000 per day Plan D- $2,585 per day 30-day max per period of coverage.
Intensive care unit Lite- Up to an additional $400 max per day; Plus- Up to an additional $660 max per day; Platinum- Up to an additional $850 max per day. 8-day max per period. Plan A- $2,200 per day; Plan B- $2,600 per day; Plan C- $3,000 per day; Plan D- $3,800 per day. 8-day max per period.
Physician visit Lite- $40 max per visit; Plus- $60 max per visit; Platinum- $85 max per visit. 30 max visits per period of coverage for all plans. Plan A- $60 maximum per visit; Plan B- $75 maximum per visit; Plan C- $90 maximum per visit; Plan D- $115 maximum per visit. 30 visits max for all plans.
Surgery Lite- Up to $2,000, Plus- Up to $3,300, Platinum- Up to $5,500 Plan A- Up to $3,300, Plan B- Up to $4,400, Plan C- Up to $5,500, Plan C- Up to $7,150
Local ambulance Lite- Up to $250 max per period of coverage, Plus- Up to $450 max per period of coverage, Platinum- Up to $475 max per period of coverage $500 maximum
Acute Onset of Pre-Existing Condition Lite- $25,000 max per coverage period Plus- $50,000 max per coverage period Platinum- $100,000 max per coverage period. $25,000 max per period of coverage for emergency medical evacuation related to acute onset. Plan A- $50,000 lifetime maximum for eligible expenses; Plan B- $75,000 lifetime maximum for eligible expenses; Plan C & D- $100,000 lifetime maximum for eligible expenses. All plans are available to members under age 70.
Dental accident $550 maximum $550 maximum
COVID-19 CoveredCovered
Mental and nervous disorder Not covered Covered
Emergency medical evacuation Lite- Up to $25,000 max, Plus- Up to $50,000 max, Platinum- Up to $50,000 max $50,000 lifetime maximum for ages under 70 years
Repatriation of remains $25,000 max; $5,000 max for cremation /burial $25,000 per member $5,000 max for cremation/burial
Terrorism Lite- $50,000 max, Plus- $50,000 max, Platinum- $50,000 max per period of coverage Not covered
Common Carrier Accidental Death $25,000 max $25,000 lifetime maximum principal sum per member Death or loss of two limbs – principal sum Loss of one limb – one-half the principal sum Subject to a maximum of $125,000 any one family or group
Incidental trip 14 days maximum Not covered

Trip Cancellation Insurance FAQ

Trip Cancellation Insurance is a pre departure benefit that can cover trip cost if you have to cancel the trip for a covered reason.  It applies when a person books a trip within the policy period and for some reason has to cancel the trip before departure.  

Exact reasons vary by specific insurance plans. Hence it is a good idea to read the certificate wordings to understand is defined as a covered reason. The most common reasons which typically are seen with most plans are you, your travelling companion or a close family member unexpectedly become sick or are injured before the trip jury duty, weather related cancellation such as hurricanes or natural disasters.

Trip cancellation policies can cover pre-paid and non-refundable trip cost. You can include this non-refundable amount in your trip cost when you sign up for the insurance.

It varies per policy. If the policy is bought within the stipulated time, it can cover. Check the certificate wordings for more information.

This would be possible only if the policy has the option to add Cancel for any reason. If there is no option to upgrade then cancellation is possible only for covered reasons.

Cancel for Any Reason is an optional travel insurance benefit available on some plans. With such optional coverage you must insure 100% of your pre-paid, non-refundable trip cost.

Visitors Secure FAQs

Visitor Secure plan does not participate in any PPO network. Members can visit any doctors, hospitals, or clinics they prefer. 

Visitor Secure offers emergency medical evacuation/repatriation and return of mortal remains. Review the policy’s document for detailed information. 

Visitor Secure does not cover pre-existing conditions, pregnancy, maternity, all sexually transmitted diseases, cancers, self-inflicted injury or attempted suicide, dental and vision treatment, etc. Review the brochure and certificate to know more. 

Yes, you can extend the plan up to 364 days (about 12 months). It is recommended to extend the policy before its expiration  date. 

If cancelled before the effective date, a $0 cancellation fee is applicable. You can get a full refund if the cancellation is done before the coverage begins. If cancelled after the effective date, a $25 cancellation fee is applicable. 

Conclusion 

Both Visitors Care and Visitor Secure are reputable travel insurance plans catering to international visitors traveling to the US. When choosing between the two plans, it is essential to consider your individual needs, travel duration, and health conditions. You can carefully review the policies or call us to get an expert opinion on the topic. 

Contact Visitor Guard® at +1 (804) 325-1385 or contact@visitorguard.com

Pallavi Sadekar

Pallavi Sadekar

Travel Insurance Expert

Pallavi Sadekar is a seasoned insurance professional with over 17 years of experience in the industry. As the Head of Operations at Visitor Guard®, she brings a wealth of expertise to the field. With a profound understanding of insurance, Pallavi has consistently demonstrated her commitment to helping clients make informed decisions about their coverage.

Pallavi’s insights and advice has earned her recognition in esteemed publications, including Forbes, USA Today, and various online platforms. Her contributions to these outlets have solidified her reputation as a trusted authority in the insurance domain. Whether it’s navigating the complexities of visitor insurance, finding the right coverage for clients, or understanding the intricacies of visitor health insurance, Pallavi’s in-depth knowledge allows her to offer practical and informed guidance to her clients.

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