VisitorSecure is a budget-friendly, fixed-benefit travel medical insurance plan designed for non-U.S. citizens visiting the United States or traveling internationally. It provides coverage for medical expenses, emergency medical evacuation, and other travel-related benefits.
VisitorSecure
VisitorSecure
VisitorSecure is a fixed-benefit limited coverage renewable travel medical insurance plan designed for visitors traveling anywhere outside of their home country including the USA or for traveling outside America, It is a fixed-dollar-based limited coverage plan, paying a pre-defined fixed dollar amount for every service or treatment. 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. VisitorSecure is a budget-friendly plan. Offering low-cost, affordable value with quoted premium rates, and is ideal for tourists, visitors, and business travelers. The plan is extendable and renewable for up to 364 days and is suitable for individuals below age 69, ages 70 to 79, and ages 80 and above. The plan is available from 5 days up to 364 days. The minimum age for coverage is 14 days old. The plan offers deductible options ranging from $0 to $200. VisitorSecure offers coverage for Acute Onset of Pre-Existing Conditions for individuals below 70 years of age. The plan provides coverage for inpatient and outpatient hospital medical expenses, emergency medical evacuation, common carrier accidental death and dismemberment and other travel benefits. VisitorSecure covers Covid-19 like any other covered medical condition. VisitorSecure is underwritten by Lloyd's of London, the oldest and largest insurance market in the world. The plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).
Key Highlights
- Coverage for Acute Onset of Pre-Existing Conditions
- Overall Maximum Limit Up to $130,000
- Emergency Medical Evacuation Up to $50,000
- Repatriation Of Remains Up to $25,000
- Local Burial and Cremation Up to $5,000
- Common Carrier Accidental Death & Dismemberment Up to $25,000
- COVID-19 coverage included
Note:
Please review VisitorSecure policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | WorldTrips |
| Plan Underwriter | Lloyd's of London |
| Plan Category | Travel Medical Insurance |
| Plan Type | Limited Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | Up to $70 per visit. 10 visits max. |
| Urgent Care | Up to $70 per visit. 10 visits max. |
| Surgical Treatment | Up to $3,300 |
| Prescription Drugs / Medicines | Up to $150 |
| Lab & X-rays | Up to $500, $400 PET, CAT, MRI |
| Physical Therapy | Plan pays as follows: $40 maximum per visit, maximum 12 visits |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | Up to $1,450, 30 days maximum |
| Surgical Treatment | Up to $3,600 |
| Hospital Intensive Care Unit | Plan pays as follows: Plan A ($50,000 limit): $2,110 per day, maximum 8 days Plan B ($75,000 limit): $2,480 per day, maximum 8 days Plan C ($100,000 limit): $2,850 per day, maximum 8 days Plan D ($130,000 limit): $3,690 per day, maximum 8 days |
| Dr. / Physician Visit | Up to $60 per visit. 30 visits max. |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | Up to $500 |
| Emergency Room | Up to $375 |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Not Covered |
| Accidental emergency | Plan pays as follows: $550 per incident |
| Dental Emergency | Up to $550 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $50,000, available for those under age 70 |
| Return of mortal remains | Plan pays as follows: Up to $7,500 |
| Emergency Reunion | Not covered |
| Return of minor child(ren) | Not covered |
| Trip Interruption | No Coverage |
| Loss of checked baggage | Not covered |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | Up to $25,000 |
| Trip Delay | No coverage |
| Lost Luggage | No coverage |
| Terrorism | No coverage |
| Personal Liability | No coverage |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | Not covered |
| Common Carrier Accidental Death | Plan pays as follows: Up to $25,000 |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan covers COVID-19 like any other covered medical condition. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| Pre-Existing Conditions | Plan pays as follows: Acute Onset of a Pre-existing Condition coverage for age under 70 years Plan A ($50,000 limit): $50,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation Plan B ($75,000 limit): $75,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation Plan C ($100,000 limit): $100,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation Plan D ($130,000 limit): $100,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation |
| Maternity | Not covered |
| General Physical full Checkup | Not covered |
| Terrorism Coverage | Not covered |
| Brochure | VisitorSecure Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network Not Available Out-Network Limited travel medical plans pay a pre-defined fixed limit per treatment & services |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition , or ailment that, with reasonable medical certainty , existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, related, or disclosed to us prior to the effective date , and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
| Acute onset Pre-Existing Condition | Up to $50,000 An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; c) You must be under seventy (70) years of age; d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; f) You must be traveling outside your home country Please Note: Coverage for acute onset of a pre-existing condition is excluded when the pre-existing condition is a congenital or chronic condition. |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | Not Available |
| COVID-19 Quarantine Coverage | No Coverage |
VisitorSecure FAQS
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What is VisitorSecure insurance?
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Who is eligible for VisitorSecure insurance?
VisitorSecure is available to international travelers visiting the U.S. or traveling outside their home country. Coverage is available for individuals aged 14 days and older. However, residents of Maryland, New York, and Washington are not eligible to purchase this plan.
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What are the coverage options for VisitorSecure insurance?
VisitorSecure offers four plan options (Plan A, Plan B, Plan C, and Plan D) with varying policy maximums and deductible choices:
Policy Maximums:Plan A: $50,000
Plan B: $75,000
Plan C: $100,000
Plan D: $130,000
Deductible Options:
Ages 14 days to 69 years: $0, $50, or $100 per incident
Ages 70 to 79 years: $100 or $200 per incident
Ages 80 years and above: $100 or $200 per incident
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Does VisitorSecure cover COVID-19?
Yes, VisitorSecure provides coverage for COVID-19 as any other eligible medical condition if contracted after the policy effective date.
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Does VisitorSecure cover pre-existing conditions?
VisitorSecure offers coverage for the acute onset of pre-existing conditions for travelers under 70 years old.
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What additional benefits does VisitorSecure provide?
Beyond standard medical coverage, VisitorSecure includes benefits such as:
Emergency medical evacuation up to $50,000Repatriation of remains up to $25,000
Common carrier accidental death and dismemberment up to $25,000
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How long can I purchase VisitorSecure coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 364 days. The plan is renewable, allowing travelers to extend their coverage as needed, up to the maximum duration
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How do I file a claim with VisitorSecure?
To file a claim, complete the Claimant's Statement and Authorization form and submit it along with supporting documents such as itemized bills and medical records. Claims can be submitted via the Member Portal or by contacting WorldTrips directly.