ChoiceAmerica vs. Visitors Care

When it comes to shopping for travel medical insurance, there are various products on the market and during your search, you may come across two seemingly similar plans: ChoiceAmerica and Visitors Care. When compared side by side, these plans appear to have many similarities but it is important to note that they both possess unique features that do in fact set them apart. In order to choose a plan that best fits your individual travel needs, you must first identify those key differences.

ChoiceAmerica and Visitors Care are two limited coverage or budget plans that pay a fixed, pre-defined amount for each treatment or service after the deductible is satisfied. Both of these plans are administered by IMG and are great for travelers visiting the U.S., especially elderly travelers like parents, traveling from the Indian sub-continent to the U.S. Please refer to the comparison chart below for more information on what sets ChoiceAmerica and Visitors Care apart:

ChoiceAmerica
  • Coverage only in the U.S., Mexico, and Canada
  • Coverage for border entry denial
  • Coverage for loss of passport and essential travel documents
  • Optional rider available for extreme sport and amusement park injuries
  • If no claims have been filed, policy can be cancelled and refunded for a $20 cancellation fee
  • Limited pre-existing condition coverage rider with no restrictions to an acute onset conditions
  • Coverage up to $50,000 for emergency medical evacuation
  • No state restrictions
  • Available up to age 79


vs.
Visitors Care
  • USA and International coverage
  • No coverage for border entry denial
  • No coverage available for loss of passport and essential travel documents
  • No optional rider available for extreme sport and amusement park injuries
  • If no claims have been filed, policy can be cancelled and refunded for a $25 cancellation fee
  • Up to $5,000 optional coverage for an acute onset of pre-existing conditions for Myocardial infraction/heart attack and stroke
  • Coverage up to $25,000 for emergency medical evacuation
  • Not available for residents of Maryland
  • Available up to age 99


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care
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.

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