For basic short-term international coverage, Visitors Care Insurance offers a plethora of options. With maximum benefits ranging from $25,000 to $100,000, and the deductibles from zero to $100, there are nine visitor insurance plan options for applicants to choose from.
You can request Visitors Care insurance for any period from 5 days to 12 months, with a possibility of extension for another 12 months. The extension, however, will fall under a new policy, with new parameters such as deductibles and pre-existing conditions.
Whichever plan you choose, Visitors Care insurance offers you the following constant benefits: a. Emergency medical evacuation b. Repatriation of remains c. Home country coverage for incidental trips home d. Common carrier accidental death benefit
Whether or not a medical situation is covered is the same for all Visitors Care plan options. However, the reimbursement or coverage limit is determined by the visitors care insurance plan you choose. All plans cover basic medical expenses such as consultation and hospitalization expenses, ambulance charges, surgical costs, and costs related to diagnostic tests and prescription medicines. Nursing and physiotherapy charges are also covered. Dental procedures are covered in the Visitors Care plan if natural teeth are damaged in an accident.
In Visitors Care, you get fixed benefits. That means that each benefit has a predetermined coverage maximum, and if the costs are more than the insured amount, you must pay the excess amount.
Visitor health insurance typically provides coverage for the treatment of any new injury or illness. Pre-existing conditions, wellness visits and maternity are usually not covered.
The policy does not require you to seek doctors or hospitals from the preferred provider network, but that can be an easier process than going outside the network. Often, Preferred Provider Organizations, commonly called PPOs, have direct links to the insurance policy, and can ensure that you are not required to pay cash, saving you time and stress. The PPO also has a database of affiliated U.S. doctors and hospitals. If you’re traveling outside the United States, you can use the database of Visitors Care Insurance to locate a physician or hospital. In a travel-related emergency, you can also access the 24-hour assistance service.
Visitors Care insurance is underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by S&P. In general, your visitors insurance policies are underwritten by well-known companies.
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