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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

  • Eligibility:People traveling outside home country (excluding continental US, Alaska, Hawaii, Puerto Rico, & US Virgin Islands).
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online:Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Only available for under age 70 ( Plan A: 50,000; Plan B: 75,000; Plan C: 100,000; Plan D: 100,000)
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan pays fixed amount per incident up to the policy maximum

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+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility:Non US citizen age  at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $20,000 & Age (65 to 99):-$2,500.
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan Pays Fixed amount up to policy maximum.

Safe Travels Elite

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

  • Eligibility:Non US citizen age 0-89 traveling to the USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: - Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date.
  • Acute Onset of Pre-existing Condition: Under age 70 :Up to overall maximum limit ; Age (70-79) : Up to $25,000 ; Age (80-89) : Up to $15,000.
  • Acute Onset Related to Cardiac Conditions: Under age 70: Up to $25,000 ; Age (70-89) : Up to $15,000.
  • PPO Network: Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.

Comprehensive Coverage Plans

Atlas America

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

  • Eligibility:Non US citizen age at least 14 days to 99 years 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:100% of eligible expenses after the deductible up to the overall maximum limit.
  • PPO Network :United Heathcare.
  • ID Card & Visa Letter comes in email instantly.

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 Platinum America

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: Non-US Citizens Only Under Age 70: Up to $1,000,000.
  • Co-Insurance: In Network USA: After deductible, plan pays 100 % up to policy
    maximum. Out-of-Network USA: After the deductible, plan pays 90%.
  • PPO Network: Provides United Healthcare PPO Network.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels USA

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

  • Eligibility:Non US citizen age 0-89 who reside outside USA & traveling outside home country (must travel to USA).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the first $1,000 of Covered Expenses.
  • Renew Online: Minimum 5 days renewal.
  • Co-Insurance:90% of the first $2,750  then 100% up to the Policy Maximum
  • PPO Network:First Health network
  • ID Card & Visa Letter comes in email instantly.

Diplomat America

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

  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 3 months up to max 364 days.
  • Renew Online:Policy can be renewed up to 1 year to a maximum of 3 years.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000 ; Age 65 and older :Up to $2,500.
  • Co-Insurance:After the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • PPO Network: No PPO Network Available, Visit any doctor/hospital.
  • ID Card & Visa Letter comes in email instantly.

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

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 3 months up to max 36 months.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000; Age (65 to 99):-Up to $2,500.
  • Co-Insurance:
    After the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.

Beacon America

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

  • Eligibility: Non-US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days to 728 days
  • Renew Online:  Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: $150,000 Sub-Limit for Maximum Limits purchased for $550,000, $1,100,000 or $2,000,000; All other Maximum Limits purchased will have a $50,000 Sub-Limit, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70.
  • Co-Insurance:
    In Network: After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if Eligible Medical Expenses are incurred within the Preferred Provider Organization Network
  • PPO Network: United healthcare PPO Network
  • ID Card & Visa Letter comes in email instantly.

Safe Travels USA Cost Saver

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

  • Eligibility:Non-US citizens who reside outside USA & traveling outside home country (must travel to USA).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition:Up to the first $1,000 of Covered Expenses.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date.
  • Co-InsuranceIn Network -80% of the first $5,000 then 100% up to the Policy Maximum
  • PPO Network: You are free to use any doctor or hospital. We still feature the First Health network and strongly suggest that your clients utilize it
  • ID Card & Visa Letter comes in email instantly.

WorldMed - Inbound

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

  • Eligibility:Non US citizen age 0-69 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing Condition: Under Age 60 :- Up to $200,000 ; Age 60-69 :Up to $20,000.
  • Co-Insurance:
    In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After deductible is paid by insured, plan pays as per URC 100% up to policy maximum
  • PPO Network: Provides First Health Network.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels USA Comprehensive

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

  • Coverage Area: Non-US citizens (age 0 to 89) who reside outside the US and are traveling outside of Their Home Country to visit solely the US, or to visit a combination of US and other countries worldwide
  • Coverage Length: Min 5 days to 364 days.
  • Renew Online: Renewable up to max of 364 days. $5 Renewal fees apply
  • Acute Onset of Pre-existing Condition: Age 0- 69 up to policy max. except Cardiac Conditions or Stroke limited to $25,000. Age 70 or above, no coverage
  • Provider Network: First Health Network
  • ID card: Link comes in email to download.

Atlas Premium America

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

  • Eligibility: Non US citizen age at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the overall maximum limit. $25,000 lifetime maximum for Emergency Medical Evacuation
  • Co-Insurance:100% of eligible expenses after the deductible up to the overall maximum limit
  • PPO Network :United Heathcare
  • ID Card & Visa Letter: comes in email instantly

Atlas Essential America

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

  • Eligibility:Non US citizen age at least 14 days to 99 years traveling outside home country
  • Coverage Length: Min 5 days up to max 364 days.
  • In Network: Within the PPO: 75% of eligible expenses after the deductible to the overall maximum limit.
  • PPO Network:.United Healthcare
  • ID Card & Visa Letter:  Comes in email instantly.

Visit USA HealthCare - Standard

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

  • Eligibility:Non US citizen age  at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $20,000 & Age (65 to 99):-$2,500.
  • Co-Insurance:
    In-Network: After Deductible, Plan pays 100% up to policy maximum
    Out-of-Network: After Deductible, Plan pays as per URC up to policy Maximum.
  • PPO Network: Provides First Health Network.
  • ID Card & Visa Letter comes in email instantly.

Visit USA HealthCare - Superior

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

  • Eligibility:Non US citizen age  at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $25,000 & Age (65 to 99):-$2,500.
  • Co-Insurance:
    In-Network: After Deductible, Plan pays 100% up to policy maximum
    Out-of-Network: After Deductible, Plan pays as per URC up to policy Maximum.
  • PPO Network: Provides First Health Network.
  • ID Card & Visa Letter comes in email instantly.

Visitors Protect

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

  • Eligibility: Non-US citizens traveling to United States, Canada & Mexico.
  • Coverage Length: 90 days up to 12 months
  • Pre-existing conditions: Under Age 70: Up to $25,000 & Age (70 and older): $20,000
  • Coinsurance (In-Network): Plan pays 75% Insured pays 25%
  • PPO Network: United Healthcare PPO Network
  • ID card & Visa Letter link comes in email instantly.

Note: This plan must be purchased prior to departing the Country of Residence, including any future repurchases.

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