Safe Travels for Visitors to the USA vs. VisitorSecure
While shopping for visitors insurance for your upcoming trip, you may have come across two seemingly similar plans: Safe Travels for Visitors to the USA and VisitorSecure. At first look, these two plans do possess some similarities, but there are also several differences that are important to take note of.
Safe Travels for Visitors to the USA and VisitorSecure are both limited coverage plans, meaning that they both pay a fixed, pre-defined amount per incident for expenses incurred from covered treatments, services, and procedures. The key differences between the two plans are featured in the comparison chart below:
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