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Visit USA-HealthCare®

Budget Plan

Are you looking for reliable, basic travel healthcare coverage at a lower cost? The Budget Plans are designed for you. These are scheduled benefit plans with per incident deductibles. The plans offer fewer benefits than the Standard and Superior plans, and have lower benefit limits overall, but the rates are lower too. Think of it as "the essential plan." (Scroll down for Benefits, Rates, FAQs, and Details.)

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Benefits: Budget Plan

  Budget
PLAN A
$50,000
Budget
PLAN B
$150,000
Age Eligibility 14 days - 80+ years 14 days - 69 years
Maximum Policy/Accident & Sickness Medical Coverage Limits $50,000* $150,000*
Deductible $0, $50, $100, or $250 per incident $0, $50, $100, or $250 per incident
Coinsurance Usual, Reasonable and Customary Usual, Reasonable and Customary
Emergency Medical Evacuation $100,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under 70. $100,000 Lifetime Maximum, except as provided under Acute Onset of Pre-existing Condition. Available only to Members under 70.
Repatriation of Remains $25,000 $25,000
Emergency Reunion $15,000 $15,000
Terrorism $25,000 $25,000
Recreational Cports Coverage Included Coverage Included
Personal Liability No Benefit No Benefit
Accidental Death & Dismemberment No Benefit No Benefit
Political Evacuation No Benefit No Benefit
Crisis Response No Benefit No Benefit
Trip Interruption No Benefit No Benefit
24/7 Worldwide Assistance Included Included

* Plan B is not available above age 69. The Plan A Medical Expense Benefit Limit for age 80 and older is $20,000.

Rates: Budget Plan

Daily Rates
Budget
PLAN A
$50,000
Budget
PLAN B
$150,000
Deductible Per Incident
Age $0 $50 $100 $250 $0 $50 $100 $250
14 days-17 yrs $1.15 $0.97 $0.87 $0.69 $2.15 $1.77 $1.64 $1.31
18-29 $1.15 $0.97 $0.87 $0.69 $2.15 $1.77 $1.64 $1.31
30-39 $1.30 $1.08 $0.98 $0.78 $2.32 $1.91 $1.73 $1.38
40-49 $1.34 $1.14 $1.03 $0.81 $2.47 $2.02 $1.92 $1.53
50-59 $1.87 $1.59 $1.45 $1.15 $3.31 $2.77 $2.67 $2.14
60-69 $2.22 $1.82 $1.68 $1.33 $3.78 $3.14 $3.04 $2.43
* 70-79 N/A N/A $2.96 $2.37 N/A N/A N/A N/A
* 80+ N/A N/A $9.57 $7.69 N/A N/A N/A N/A
Dependent Children $1.05 $0.87 $0.76 $0.60 $1.96 $1.59 $1.42 $1.13
* Plan B is only available for ages 0-69. The Medical Expense Benefit limit for persons ages 80 and above: $20,000.

Frequently Asked Questions: Budget Plan


Visit USA-HealthCare is designed for non-U.S. citizens traveling to the United States. The maximum coverage period is 364 days.
Yes. You may enroll in Visit USA-HealthCare regardless of how long you have been in the U.S. However, the maximum period of coverage is 364 days.
Yes! You can complete your enrollment by calling 1-800-937-1387. You may also enroll online with our Secure Online Enrollment Form, mail, email, or fax your completed Enrollment Form with payment.
No. However, your policy can begin as early as the day after you submit your enrollment form and payment online.
Your receipt and Confirmation of Insurance will be emailed to you once processed. If you enroll online, your receipt and Confirmation of Insurance will be sent to you instantly!
After enrolling you will see a page that begins with "Thank you for purchasing Visit USA-HealthCare Insurance." You will also receive an email receipt and a PDF Confirmation of Insurance to the email address you specified during enrollment.
The Visit USA-HealthCare plan cannot be renewed. However, you may purchase another policy if you need additional coverage. Simply re-enroll in Visit USA-HealthCare prior to the expiration date of the first policy. The "Requested Effective Date" should be one day after the first policy's expiration date.
You may have to pay for medical care depending on the medical facility being used. If the medical facility requires payment up front, you then submit a claim for reimbursement, less your chosen deductible. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the Insurance Company's Assistance Service.
The deductible is the amount that you, the Insured person, pay before the insurance pays for covered expenses. Visit USA-HealthCare's deductibles are per incident. Once the deductible is met, Visit USA-HealthCare will pay 90% of covered medical expenses up to $10,000, then 100% of reasonable and customary charges up to the plan limit. Visit USA-HealthCare offers a choice of deductibles: $0, $250, $500 or $1000. The lower the deductible, the higher the cost of insurance. In addition to the above choice of deductibles, there is also a $250 Emergency Room deductible which will be waived if admitted to the hospital.
The maximum an Insured would have to pay out-of-pocket for covered expenses is the chosen deductible ($0, $250, $500 or $1000) and 10% of the Reasonable and Customary charges for covered expenses up to $10,000, plus expenses that exceed the plan limit. Co-insurance is waived if expenses are incurred within the PPO Network.
Yes - you may go to any licensed health care provider. However, if you use a doctor or hospital in Visit USA-HealthCare's large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network. Click here to search for a provider within the United States.
A beneficiary is the person or persons who receives the Accidental Death and Dismemberment (AD&D) benefit if the Insured dies in an accident while insured under the policy. The Insured will automatically be the beneficiary for any insured spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.
No. A Pre-Existing Condition is defined by the policy as, "Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 18 months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 18 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 18 months immediately preceding the Certificate Effective Date."
A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Confirmation of Insurance to Travel Insurance Services.
No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. This is noted in the Enrollment Agreement when you purchase online. Refunds are considered only before coverage starts(see previous question).

Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Online Order Transaction number.

info@travelinsure.com
Fax: 610-537-9825
Mail: Travel Insurance Services
One International Plaza, Suite 400
Philadelphia, PA 19113
USA

If the correction results in an increase in premium, please call Customer Care at 1-800-937-1387 to arrange payment by credit card. Have your credit card account number and expiration date ready.

Yes. We work closely with our programmers to keep our forms on a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from "http" to "https", to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process.

Description of Coverage: Budget Plan

This Description of Coverage is a summary of the provisions contained in Master Policy No.181920-2.3. For a complete copy of the Master Policy, please contact Tokio Marine HCC Medical Insurance Services Group.

This Description is to help you understand the insurance that your certificate provides. It details the key features, benefits, limitations, exclusions, definitions, Schedule of Benefits and Limits, and any endorsements, applying to your certificate.

The levels of coverage which apply to your coverage are detailed in the Schedule of Benefits and Limits.

Visit USA-HealthCare Description of Coverage - Budget Plans A & B

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