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 USA and international travel. 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.

Visitors Care
  • Administered by IMG
  • Policy maximum starts at $25,000
  • Up to 364 days of coverage
  • Coverage must be effective within 30 days of arrival for travelers over age 65 visiting the US
  • Policy maximum and deductible are per policy period
  • 3 plan options available for up to age 69: Plan A: $25,000; Plan B: $50,000; and Plan C: $100,000
  • Up to $100,000 policy maximum for travelers up to age 69
  • Up to $10,000 policy maximum for travelers ages 70-79
  • Up to $10,000 policy maximum for travelers over age 80
  • Offers Heart Care Plus rider; up to $5,000 coverage for under age 69 and up to $2,500 coverage for age 70+ in event of heart attack or stroke deemed as pre-existing condition
  • Deductible options for travelers over age 80 are $50 and $100


vs.
VisitorSecure
  • Administered by HCC MIS
  • Policy maximum starts at $50,000
  • Up to 728 days of coverage
  • 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
  • 4 plan options available for up to age 69: Plan A: $50,000; Plan B: $75,000; Plan C: $100,000; and Plan D: $130,000
  • Up to $130,000 policy maximum for travelers up to age 69
  • Up to $75,000 policy maximum for travelers ages 70-79
  • Up to $10,000 policy maximum for travelers over age 80
  • Covers acute onset of pre-existing conditions for travelers under age 70 up to policy maximum
  • Deductible options for travelers over 80 are $100 and $200


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.

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