Visitors Care Insurance is an affordable fixed-benefit Plan meaning it offers fixed benefits as part of insurance coverage.
This is a very popular American visitors’ insurance plan offering medical coverage to international travelers visiting the United States.
Visitors Care travel medical insurance is one of the best-selling fixed-benefit travel insurance plans for parents visiting the USA.
Considering international travel medical insurance for your upcoming trip? Remember that domestic insurance may not provide coverage to the insured outside their home country.
Here are some features, Costs, and Benefits of Visitors’ Care Insurance for foreign nationals visiting the USA.
You can also consider Visitor Secure another very popular fixed-benefit travel insurance plan.
Visitors Care Insurance is a Travel Medical Insurance plan for non-U.S. residents and non-US citizens visiting the USA.
Visitors Care Insurance offers fixed benefit medical coverage for unexpected illnesses & accidents up to the policy’s maximum coverage.
In the United States, the travel insurance company pays up to the stated amount in the policy document for each covered treatment or service (eligible medical expenses) after the deductible is satisfactorily met.
Know the difference between a comprehensive coverage plan and a fixed benefit plan.
Visitors Care Insurance is a low-cost, affordable fixed benefit plan that provides medical benefits and coverage such as:
Features:
Costs:
Benefits (limits may apply):
What is Visitors’ Insurance?
Travel Insurance is known as visitor insurance. It is also referred to as travel medical insurance and trip insurance. However, there are differences between travel medical insurance and trip insurance.
If you or your family members are traveling to the USA then you should consider a travel medical insurance plan as healthcare in the USA is very expensive. Travel Insurance can help save a serious financial impact in case of a medical emergency.
Medical emergencies can happen anytime to anyone at any time. It is always good to be prepared when traveling internationally and have travel insurance to cover any eventuality. Our visitors’ insurance guide can help you understand the visitors’ insurance for the USA more in-depth.
Visitors Care Insurance
Visitors Care Travel Insurance is a low-cost, fixed-benefit visitors insurance plan for international travelers to the USA. that provides medical benefits such as Inpatient and Outpatient Treatments, Emergency Evacuation, Ambulance transportation, and more
| A.M.Best Rating | A |
| Plan Administrator | International Medical Group (IMG) |
| Underwriter | SiriusPoint Speciality Insurance Corporation |
| Coverage Type | Fixed Benefit/Limited Coverage Plan |
| Type of Insurance | International Travel Medical Insurance Plan |
| Eligibility | Non-U.S. Residents and Non-U.S. Citizens visiting the USA |
| Medical Benefit Option | Policy Maximum Options of $25,000, $50,000 or $100,000 |
| Country of Coverage | United States |
| Period of Coverage | From 5 days up to 12 Months |
| Renewable/Extendable | Yes, Up to 24 Months |
| Period of Coverage per Injury or Illness | Ages 14 days to 79 years: $25,000 |
| Ages 80 years and Older: $10,000 | |
| Plan Cancelable | Yes |
| Pre-Existing Medical Conditions | Excluded |
| Acute Onset of Pre-Existing Conditions | Included |
| Terrorism Coverage | Covered up to a maximum limit of $50,000 |
| COVID-19 | Covered (Same as any other Illness) |
| Deductible Options | $0 to $100 |
| Coinsurance | 100% of Scheduled Benefit Plan |
| Policy Maximum Limits: | |
| Visitors Care Insurance Plan – Lite | $25,000 |
| Visitors Care Insurance Plan – Plus | $50,000 |
| Visitors Care Insurance Plan – Platinum | $100,000 |
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Visitors Care Insurance Eligibility
This travel medical insurance plan can be bought by non-US residents and non-US citizens visiting the USA from a foreign country. It is short-term travel medical insurance with maximum coverage benefits for 12 continuous months.

Visitors Care Insurance Highlights

Visitors Care Insurance Summary

Visitors’ care insurance offers a broad package of scheduled benefits for Non-U.S. residents traveling and/or temporarily residing outside of their home country.
Visitors Care offers coverage for a minimum of 5 days.
Visitors Care Plan Details

The area of coverage is United States for non-U.S. residents traveling to the U.S.
The period of coverage is from a minimum of 5 days up to 2 years
Visitors Care Insurance offers policy maximums per illness per injury:
The policy maximum is the maximum amount that the insurance company will cover for the policyholder as per the purchased plan
Unlike many other fixed coverage plans, the policy maximum is for the lifetime of the plan, instead of per incident
Deductible options are
Pre-Existing Condition Coverage Benefits

The insurance plan offers pre-existing condition coverage for the Acute onset of pre-existing conditions:
Acute Onset of Pre-Existing Condition
The age of the insured person must be under 70 years. The maximum limit is $25,000.
If you are looking for pre-existing condition coverage details then this plan is not suitable and you can consider alternative plans.
Emergency Medical Evacuation
Emergency medical evacuation resulting due to covered acute onset of a pre-existing condition.
The age of the insured person must be under 70 years. The maximum limit is $25,000 per period of coverage
Visitors Care Insurance Additional Benefits

Common Carrier Accidental Death maximum $25,000 per period of coverage
Incidental Trip maximum 14 days provided the Insured person’s country of residence is not the U.S.
What is the difference between policy maximum and per-incident maximum
Policy maximum and per-incident maximum are two different terms used in insurance policies. Here are the differences between them:
Policy Maximum:
Per-Incident Maximum:
In summary, policy maximum is the maximum amount that the insurance policy will pay for covered services or expenses, while the per-incident maximum is the maximum amount an insurer will pay for a single event/claim
Visitors Care Insurance Medical Benefits



Intensive care: Inpatient – up to additional per day, Maximum 8 days per period of coverage
Physical Therapy – Medical order or treatment plan required. Per day visit, Maximum 12 visits/period of coverage
Pre-Admission Testing – Inpatient maximum per period of coverage
Anesthesia – Up to maximum, per surgical session
Extended Care Facility – For all three plans Lite, Plus, Platinum is covered under Hospital Room and Board when directly transferred from an acute care hospital
Hospital Room& Board – These are average semi-private room rates, It Includes nursing, Miscellaneous and ancillary charges.
(Inpatient) Up to max/day, Maximum Up to 30 days/period of coverage.
Prescriptions – Dispensing limit is 90 days,
Outpatient up to maximum per period of coverage
Hospital Emergency room, (Outpatient) Maximum per visit
Emergency Local Ambulance – Up to maximum per period of coverage
Physician Visits/Services: Maximum/visit, Maximum visits 30 per period of coverage:
Assistant Surgeon – maximum per surgical session
Surgery both Inpatient and outpatient, Up to a maximum per surgical session
Outpatient Surgical/Hospital Facility
Up to maximum per surgical session/Up to max per surgical session
Radiology/X-ray – Laboratory
Outpatient: Up to maximum/period of coverage
Urgent Care – Maximum/visit, Maximum 10 visits
Chemotherapy/Radiation Therapy
Home Nursing Care – Upon direct transfer from an acute care hospital is provided by a home healthcare agency. Maximum/Period of coverage.
Durable Medical Equipment
COVID-19/SARS-Cov-2 Coverage
Visitors Care Medical Evacuation

Emergency Medical Evacuation Up to the Maximum Benefit of
The maximum Return of Mortal Remains for all three plans is $25,000, or/with a Maximum Cremation/Burial of $5,000 for all three plans.
Visitors Care Insurance Trip Protection and Crisis support

Visitors Care insurance provides the following as trip protection and crisis support
Emergency Medical Evacuation:
Return of Mortal remains (maximum) with cremation/Burial
Emergency Local Ambulance:
Terrorism:
Frequently Asked Questions (FAQs)
Which travel insurance is best for Indian parents traveling to the USA?
Several travel insurance plans are suitable for Indian parents traveling to the U.S., Here are some of the best options:
If your parents have pre-existing conditions you may want to consider the following plans:
Can I buy visitor insurance for my parents in the USA?
Yes, you can buy visitor insurance for your parents in the USA. While purchasing visitors’ insurance is not legally mandated, it is strongly advisable to get health insurance for parents visiting the USA due to the high cost of healthcare, especially for elderly parents who are more prone to sickness
Is Visitors Care travel insurance the best visitor insurance USA?
Visitors Care is amongst one of the best travel insurance plans for the USA and is very popular.
Other top visitor insurance plans for the USA include:
How Much Does Visitor Health Insurance Cost?
The cost of visitor health insurance in the USA varies depending on several factors such as the age of the traveler, the length of their trip, and their health needs
The typical cost of travel medical insurance is between $200 and $400
However, the cost of visitor health insurance can start as low as $1 a day, depending on the plan and coverage
The average cost of USA travel insurance starts from $16 per month
The cost of visitor health insurance plans can range from $5 per week for minimum coverage to over $100 per week for the best option available
The health insurance plans cost more depending on the age of the travelers
The cost of visitor health insurance will be lower if you choose a lower maximum limit for coverage
Visitors Care Insurance has gained significant popularity as a fixed-benefit health insurance option for visitors to the USA.
Fixed benefits health insurance plans like Visitors Care Insurance offer specific predetermined amounts for various medical services, providing a level of financial protection for visitors in case of unexpected medical expenses. These plans typically have lower premiums compared to comprehensive health insurance options.
However, it’s crucial to note that fixed benefits plans have certain limitations. They may not cover pre-existing conditions, or preventive care, or offer the same level of coverage as comprehensive plans. It’s essential to carefully review the policy’s terms, conditions, and exclusions to understand its coverage and limitations.
Remember, everyone’s health insurance needs may vary, so it’s essential to choose a plan that aligns with your specific requirements and budget.
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