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Visitor Medical Insurance (coming to USA)

Fixed Coverage Plans

VisitorSecure

Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Coverage Area: US & Non-US citizens (age 0 to 99) traveling outside home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition under age 70: Plan A $50,000, Plan B $75,000, Plan C & D $100,000. $25,000 for emergency medical evacuation.
  • No Network: Visit any doctor/hospital.
  • ID Card: Link comes in email to download.
  • Note: Individuals coming to USA who are over age 65, coverage must be effective within 30 days of arrival.

Visitors Care

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling USA.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under age 70 (Plan Lite $25,000), (Plan Plus $50,000), (Plan Platinum $100,000).
  • No Network: Visit any doctor/hospital.
  • ID card: Link comes in email to download.

Complete details are given in certificate of insurance.

Visit USA HealthCare - Budget

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizen ( age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $20,000 & Age (65 to 99):-$2,500.
  • Renewable: No
  • Cancel: Yes only prior to effective date.
  • ID Card: Comes in email to download.

Safe Travels Elite

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior’

  • Coverage Area: Non-US citizens (age 0-89) who reside outside USA & traveling outside their home country to visit solely USA , or to visit a combination of US & other countries Worldwide (certain countries may be restricted at different times).
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Renewable up to max 364 days.
  • Acute Onset of Pre-existing Condition: (Age 0-69: Up to medical maximum), (Age 70-79: up to $25,000) & (Age 80-89: $15,000). Coverage related to Cardiac Conditions or Stroke are limited to (Age 0-69: $25,000) & (Age 70-89: $15,000).
  • PPO Network: Provides First Health PPO Network.
  • ID Card: Link comes in email to download.

Safe Travels Advantage

Plan Administrator: Trawick International | Underwriter: Crum and Forster, SPC | AM Best Rating: A ‘Excellent’

  • Coverage Area: Non-US citizens reside outside USA and traveling outside Home Country to visit solely USA, or to visit a combination of USA and other countries Worldwide (certain countries may be restricted at different times).
  • Coverage Length: Min 5 days up to max 364 days.
  • Coinsurance & OOP: 80% coinsurance and $5,000 Out-of-Pocket Maximum in addition to the scheduled limit.
  • Renew Online: Renewable up to max 364 days.
  • Acute Onset of Pre-existing Condition: For ages up to 79, up to Medical Maximum/Coverage related to Cardiac Conditions or Stroke are limited to $25,000 per Period of Insurance. For ages 80 and above, up to $15,000 per Period of Insurance/Coverage related to Cardiac Conditions or Stroke are limited to $15,000 per Period of Insurance.
  • ID card: Link comes in email to download.

Comprehensive Coverage Plans

Atlas America

Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Coverage Area: Non-US citizens (age 0 to 99) traveling outside home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Co-Insurance: After deductible, plan will pay 100% of eligible expenses up to policy max.
  • PPO Network: United Heathcare Network.
  • ID Card: Link comes in email to download. 

Patriot America Lite

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: No Coverage
  • Coinsurance:  In Network USA: After deductible, plan pays 100 % up to policy maximum.
    Out-of-Network USA: After the deductible, plan pays 80%.
  • PPO Network: Provides United Healthcare PPO Network
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

Patriot America Plus

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation.
  • Coinsurance: In-Network-US: After deductible, plan pays 100 % up to policy max.
  • Out-Network-US: After deductible, plan pays 80% of $5,000 then 100% up to policy max.
  • PPO Network: United Healthcare Network & First Health Network.
  • ID card: Link comes in email to download.

Complete details are given in certificate of insurance.

Patriot America Platinum

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 36 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under age 70 years, $1,000,000 limit. Emergency Medical Evacuation $25,000.
  • Coinsurance:  In-Network-US: After deductible, plan pays 100 % up to policy max. Out-Network-US: After deductible, plan pays 90% of $5,000 then 100% up to policy max
  • PPO Network: United Healthcare Network & First Health Network.
  • ID card: Link comes in email to download.

Safe Travels USA

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior’

  • Coverage Area: Non-US citizens reside outside US & are traveling outside Home Country to visit solely US, or visit combination of US & other countries Worldwide (certain countries may be restricted at different times). Insured must arrive in the USA before traveling to other countries.
  • Coverage Length: Minimum 5 days up to 364 days
  • Acute Onset of Pre-existing Condition: $1,000 per Policy Period for unexpected recurrence of a pre-existing condition.
  • Co-Insurance: 90% of the first $2,500 then 100% up to the Policy Maximum
  • PPO Network: First Health Network.
  • ID Card: Link comes in email to download.

Diplomat America

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Coverage Area: Non-US citizen (age 0-99) traveling outside home country to USA.
  • Coverage Length: Minimum 15 days to maximum 365 days.
  • Acute Onset of Pre-existing Condition under age 70: $10,000.
  • Co-Insurance: After deductible, plan pays 80% up to $5,000 then 100% up to policy maximum.
  • Renew: Not Renewable
  • No PPO Network: Visit any doctor/hospital.
  • ID Card: Comes in email to download.

Diplomat Long Term - Including USA

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Coverage Area: People (age 0-99) traveling outside home country.
  • Coverage Length: 90 days to 365 days.
  • Acute Onset of Pre-existing Condition: For US Citizens up to $20,000 for age under 65 years and $2,500 for age 65 to 99 years. For Non-US citizens age below 70 years up to $10,000 medical maximum.
  • Co-Insurance: After you pay deductible, plan pays 80% up to $5,000 of eligible costs, then plan pays 100% up to medical maximum.
  • Renew: Renewal coverage may be purchased for up to 365 days at a time, to a maximum of 3 years.
  • Cancel: Prior to effective date of policy & $25 fee deducted.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card: Comes in email to download.

Beacon America

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizens (age 0 to 99) traveling to USA (outside home country).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition (AOPC) under age 70: Policy max $550,000 or higher, sub-limit of $150,000 for AOPC. All other policy max, sub-limit $50,000 for AOPC. Emergency Medical Evacuation $25,000 Sub-Limit.
  • Co-Insurance: In-network, waive co-insurance. Out-network, 80% of next $5,000 then 100%. Deductible apply.
  • PPO Network: United Healthcare (UHCG) provider network
  • ID Card: Link comes in email to download.

Safe Travels USA Cost Saver

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior’

  • Coverage Area: Non-US citizens reside outside US & are traveling outside of  Home Country to visit solely US, or to visit combination of US & other countries worldwide (certain countries may be restricted at different times).
  • Coverage Length: 5 days to 364 days.
  • Acute Onset of Pre-existing Condition: $1,000 per Period of Insurance for age below 70 years.
  • Co-Insurance: 80% of the first $5,000 then 100% up to the Policy Maximum
  • PPO Network: First Health Network.
  • ID Card: Link comes in email to download.

WorldMed - Inbound

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizens (age 0-64) traveling outside their home country.
  • Coverage Length: Min 5 days to max 364 days.
  • Acute Onset of Pre-existing Condition: $200,000 for under age 60. $20,000 for age 60 to 64. Excludes chronic and congenital conditions.
  • Co-Insurance: Inside US within PPO –  After ded, 100% up to policy max. Inside US but outside PPO – After ded, URC up to policy max . Outside US – After ded, 100% up to policy max.
  • PPO Network: United Healthcare
  • ID Card: Comes in email to download.

Safe Travels USA Comprehensive

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior’

  • Coverage Area: Non-US citizens reside outside US & are traveling outside Home Country to visit solely US, or visit combination of US &  other countries Worldwide (certain countries may be restricted at different times). Insured must arrive in the US before traveling to other countries.
  • Coverage Length: Min 5 days to 364 days.
  • Acute Onset of Pre-existing Condition: For age below 65, maximum $20,000 per period of insurance. For age 65 to 69, maximum $10,000. For age 70 or above, no coverage.
  • Co-Insurance: 100% up to the Medical Maximum.
  • Provider Network: First Health Network
  • ID card: Link comes in email to download.

Atlas Premium America

Plan Administrator: WorldTrips| Underwriter: Lloyd's Syndicate 4141 | AM Best Rating: A 'Excellent'

  • Coverage Area: Non-US citizens (age 0 to 99) traveling to USA and outside home country.
  • Coverage Length: Min 5 days up to max 12 months.
  • Acute Onset of Pre-existing Condition under age 80: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Co-Insurance: After deductible, plan pays 100% eligible expenses up to policy maximum.
  • PPO Network: United Healthcare Network
  • ID Card: Link comes in email to download.

Atlas Essential America

Plan Administrator: WorldTrips | Underwriters: Lloyd’s Syndicate 4141 | A M Best Rating: A ‘Excellent’

  • Coverage Area: Non-US citizens (age 0 to 99) traveling to USA (outside home country).
  • Coverage Length: Min 5 days up to max 12 months.
  • Co-Insurance:: Within the PPO - Plan pays 70% of eligible expenses after the deductible to the overall maximum limit. Outside the PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • PPO Network:United Healthcare Network
  • ID Card: Link comes in email to download.

Visit USA HealthCare - Standard

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizens (age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing Condition: $20,000 up to age 64. $2,500 for age 65 and above. Excludes chronic and congenital conditions.
  • Co-Insurance: Within PPO network in USA, after deductible plan pays 100% up to policy maximum. Outside PPO network in USA, plan pays Usual, Reasonable, and customary (URC). You will pay charges exceeding the payable amount. Outside USA, after deductible plan pays 100% up to policy maximum.
  • PPO Network: United Healthcare network.
  • ID Card: comes in email to download.

Visit USA HealthCare - Superior

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizens (age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing Condition: $20,000 up to age 64. $2,500 for age 65 and above. Excludes chronic and congenital conditions.
  • Co-Insurance: Within PPO network in USA, after deductible plan pays 100% up to policy maximum. Outside PPO network in USA, plan pays Usual, Reasonable, and customary (URC). You will pay charges exceeding the payable amount. Outside USA, after deductible plan pays 100% up to policy maximum.
  • PPO Network: United Healthcare network.
  • ID Card: comes in email to download.

Visitors Protect

Plan Administrator: International Medical Group | Underwriter: SiriusPoint Specialty Insurance Corporation | AM Best Rating: A ‘Excellent’

  • Coverage Area: Non-US citizens (age 0-99) traveling to USA, Canada or Mexico. Plan must be purchased prior to departing the Country of Residence, including any future repurchases.
  • Coverage Length: Minimum 90 days up to 12 months.
  • Pre-existing Condition: $25,000 limit for age 0 to 69. $20,000 limit for age 70 and older. $1,500  per injury or illness deductible for pre-x condition (Plan deductible waived)
  • Co-Insurance: Inside PPO network in USA: Plan pay 75%, insured pay 25%. Outside PPO network in USA: Plan pays 60%, insured pay 40%.
  • PPO Network: United Healthcare Network & First Health Network.
  • ID Card: Link comes in email to download.

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