Visitors Care vs. VisitorSecure Insurance
During your search to buy visitors insurance for a trip abroad, you may have come across these two travel medical insurance plans: Visitors Care and VisitorSecure. Although they share similar names, one plan may be best suited for you depending on your travel needs.
Both Visitors Care insurance and VisitorSecure insurance provide travel medical coverage for travelers to the USA. These travel insurance plans both offer limited coverage, meaning that they pay a fixed, pre-defined amount for covered expenses. Find out the differences between Visitors Care and VisitorSecure in the comparison chart below so you can choose the travel medical insurance policy that is best for you.
- Administered by IMG
- Up to $100,000 policy maximum available for those under the age of 80
- Up to 2 years of coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Policy maximum and deductible are per policy period
- Covers acute onset of pre-existing conditions for travelers under age 70 up to policy maximum
- Up to $25,000 for an Emergency Medical Evacuation
- Administered by WorldTrips
- Up to $130,000 policy maximum available for those under the age of 60
- Up to 364 days of coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Quarantine Indemnity Benefit of $50/day for 10 days
- Coverage must be effective within 30 days of arrival for travelers over age 65 visiting the US
- Policy maximum is per policy period; deductible is per incident
- Covers acute onset of pre-existing conditions for travelers under age 70 up to policy maximum
- Up to $50,000 for an Emergency Medical Evacuation
COMMON EXCLUSIONS (What's not covered)
- Preventative care (immunizations, routine medical exams)
- Injuries incurred from certain extreme sports and hazardous activities
- Trip interruption
- Baggage loss coverage
BEWARE: Risk of Limited Plans
Limited coverage insurance plans may be less expensive, but come with higher liability risks. Since limited travel insurance policies only cover a fixed, pre-defined amount for each benefit, you pay for any costs that exceed the pre-defined amount for any given medical treatment or service, and those medical costs could potentially run up to thousands of dollars.
Example: If you have a limited coverage policy with a limit of $400 for ambulance services, which costs about $2,000, then you have to pay the difference – a liability of $1,600.
