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VisitorSecure Insurance

Eligibility to buy VisitorSecure Insurance

  • Travelers traveling outside their home country and who are at least 14 days of age
  • US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible
  • For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival
VisitorSecure Plan offers pre-existing conditions coverage
WorldTrips
Administrator
WorldTrips
Best suitable for
Non US citizens while visiting the USA
VisitorSecure Insurance plan Underwriter
Underwritten by Lloyds
Plan life
364 days
VisitorSecure insurance Co-insurance
No Co-insurance

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Advantages


Disadvantages

Plan highlights of VisitorSecure insurance

TATA AIG travel insurance premium chart
Policy maximum?

Age 80+: $10,000.
Age 14 days through 69 years: Plan A - $50,000; Plan B - $75,000
Age 70 through 79 years: $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000
Age 80 and above: Plan A - $10,000

buy TATA AIG travel insurance
Deductible?

Age 14 days through 69 years: $0, $50 and $100
Age 70 years and above: Plan A - $100 and $200; Plan B - $100 and $200
Ages 80 years and above: Plan A - $100 and $200

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Pre-Existing conditions coverage(only available to members under age 70 years)

Acute onset of pre-existing condition:

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

  • Plan A: $50,000 lifetime maximum for eligible expenses
  • Plan B: $75,000 lifetime maximum for eligible expenses
  • Plan C: $100,000 lifetime maximum for eligible expenses
  • Plan D: $100,000 lifetime maximum for eligible expenses
  • $25,000 lifetime maximum for emergency medical evacuation
Travel insurance for Coronavirus Covid

Coronavirus International Travel insurance

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Plan benefits of WorldTrips VisitorSecure insurance

  Coverage details
Plan maximum per injury/sickness Plan A: $50,000
Plan B: $75,000
Plan C: $100,000
Plan D: $130,000
  In-Patient Medical Benefits
Hospital room and board? Plan A: $1,450 per day, maximum 30 days
Plan B: $1,725 per day, maximum 30 days
Plan C: Up to $2,000/day, 30 day max
Plan D: Up to $2,585/day, 30 day max
Hospital Intensive Care Unit? Plan A: $2,200 per day, maximum 8 days
Plan B: $2,600 per day, maximum 8 days
Plan C: $3,000 per day, maximum 8 days
Plan D: $3,800 per day, maximum 8 days
Surgery? Plan A: $3,600 per session
Plan B: $4,800 per session
Plan C: $6,000 per session
Plan D: $7,800 per session
Consultant physician Plan A: $450 maximum
Plan B: $475 maximum
Plan C: $500 maximum
Plan D: $650 maximum
Private duty nurse Plan A: $550 maximum
Plan B: $550 maximum
Plan C: $550 maximum
Plan D: $700 maximum
Physician visits? Plan A: $60 maximum per visit, 30 visits max.
Plan B: $75 maximum per visit, 30 visits max.
Plan C: $90 maximum per visit, 30 visits max.
Plan D: $115 maximum per visit, 30 visits max.
Surgery? Plan A: $3,300 per session
Plan B: $4,400 per session
Plan C: Up to $5,500 per session
Plan D: Up to $7,150 per session
Outpatient surgical facility Plan A: $1,100 maximum
Plan B: $1,150 maximum
Plan C: $1,200 maximum
Plan D: $1,500 maximum
Pre-Admission Testing? Plan A: $1,100 maximum
Plan B: $1,100 maximum
Plan C: $1,100 maximum
Plan D: $1,450 maximum
Diagnostic x-ray and labs? Plan A: $500 maximum, plus $400 for one CAT Scan, MRI or PET
Plan B: $550 maximum, plus $450 for one CAT Scan, MRI or PET
Plan C: $600 maximum, plus $500 for one CAT Scan, MRI or PET
Plan D: $750 maximum, plus $650 for one CAT Scan, MRI or PET
Emergency room (all expenses incurred therein) Plan A: $375 maximum
Plan B: $485 maximum
Plan C: $600 maximum
Plan D: $785 maximum
Observation room services Plan A: $355 maximum
Plan B: $465 maximum
Plan C: $575 maximum
Plan D: $750 maximum
Outpatient prescription drugs Plan A: $150 maximum
Plan B: $200 maximum
Plan C: $250 maximum
Plan D: $300 maximum
Office visits, including urgent care Plan A: $70 allowable per visit, 10 visits max.
Plan B: $85 allowable per visit, 10 visits max.
Plan C: $100 allowable per visit, 10 visits max
Plan D: $130 allowable per visit, 10 visits max
Assistant Surgeon? Plan A: $150 maximum
Plan B: $200 maximum
Plan C: $250 maximum
Plan D: $300 maximum
Physical Therapy? Plan A:$40 maximum per visit, 1 visit per day, maximum 12 visits
Plan B: $40 maximum per visit, 1 visit per day, maximum 12 visits
Plan C: $40 maximum per visit, 1 visit per day, maximum 12 visits
Plan D: $40 maximum per visit, 1 visit per day, maximum 12 visits
Mental & nervous disorder & substance abuse Plan A: Same as any illness
Plan B: Same as any illness
Plan C: Same as any illness
Plan D: Same as any illness
Durable medical equipment Plan A: $1,100 maximum
Plan B: $1,200 maximum
Plan C: $1,300 maximum
Plan D: $1,700 maximum
Emergency local ambulance? Plan A: $500 maximum
Plan B: $500 maximum
Plan C: $500 maximum
Plan D: $500 maximum
Dental accident Plan A: $550 maximum
Plan B: $550 maximum
Plan C: $550 maximum
Plan D: $550 maximum
Emergency medical evacuation? $50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70.
Repatriation of remains $25,000 per member
Local burial & cremation? $5,000 per member
Common carrier accidental death & dismemberment $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
Benefit Period 90 days per certificate period.

Visitor Secure Insurance Restriction

The Visitor Secure is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance:

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas America insurance and Atlas premium insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  • The definition of pre-existing conditions and the look back period under the policy.
  • The eligibility age limit for pre-existing conditions coverage.
  • Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  • The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  • The deductible and out of pocket expenses for pre-existing conditions coverage.
  • The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence
  • Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition

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WorldTrips Atlas International insurance Claims

claims

CLAIMS EMAIL

Email: service@worldtrips.com
Fax: (+1) 317-575-2256

CLAIMS PHONE

1-800-605-2282
For Outside U.S : (317)262-2132

MAIL TO

WorldTrips
251 North Illinois Street,
Suite 600, Indianapolis,
IN 46204

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