Visit USA-HealthCare is designed for non-U.S. citizens who are at least 14 days of age that are 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.
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 expenses depending on the medical facility being used. If the medical facility requires payment up front, you then submit a claim for reimbursement for the eligible expenses, 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, must pay before the insurance pays for covered expenses. Visit USA-HealthCare's deductibles are per incident on the Budget Plan and per certificate period on the Standard and Superior Plans. Once the deductible is met, Visit USA-HealthCare will pay 100% of covered medical expenses up to the plan limit. Visit USA-HealthCare offers a choice of deductibles, depending on plan level. in general, the lower the deductible, the higher the cost of insurance. In addition to the plan deductible, the Visit USA-HealthCare Standard and Superior Plans include Emergency Room and Urgent Care Center co-payments.
On the Visit USA-HealthCare Budget plan, the plan will pay the amount specified in the Schedule of Benefits and Limits for each eligible expense. The Insured is responsible for paying the chosen deductible per illness or injury and any additional expense charged that exceeds the amount paid by the plan.
Yes, you may go to any licensed health care provider. However, if you use a doctor or hospital in that is outside Visit USA-HealthCare's large preferred provider network, you may be responsible for any charges exceeding the Usual, Reasonable, and Customary payable amount.
If You Purchased Your Travel Medical Policy BEFORE July 2019 OR You Are an EU Resident Who Purchased Your Policy BEFORE May 2020: Find provider in the First Health Network.
If You Purchased Your Travel Medical Policy AFTER July 2019 OR You Are an EU Resident Who Purchased Your Policy AFTER May 2020: Find provider in the UnitedHealthCare Network.
A beneficiary means the individual named in your application to be the recipient of any Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:
Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.
Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.
No. The Visit USA-HealthCare plan does not cover pre-existing conditions except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits. 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."
You are covered for Eligible Medical Expenses for treatment of injuries and illnesses resulting from an Act of Terrorism, up to the limit set forth in the Schedule of Benefits and Limits, provided all of the following conditions are met: 1. The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; 2. You have no direct or indirect involvement in the Act of Terrorism; 3. The Act of Terrorism is not in a country or location where U.S. Department of State has issued a level 3 or level 4 travel advisory that has been in effect within the 6 months immediately prior to your date of arrival; and 4. You have not failed to depart a country or location within 10 days following the date a level 3 or level 4 travel advisory for that country or location is issued by the United States government.
You are not covered for Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense: a. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; b. The use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; however, this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material for the purpose of medical treatment; c. Any Act of Terrorism, not specifically covered above; d. Coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) or (c) above; or e. Expenses arise directly or indirectly from anything in the General Exclusions.
For the purpose of this insurance, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. Cyber means the use or operations, as a means for inflicting harm, of any computer, computer software program, malicious code, computer virus or process or any other electronic system.
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 email a refund request to Travel Insurance Services at
info@travelinsure.com.
Premiums may be refunded after the certificate effective date subject to the following provisions: (1) A $25 cancellation fee will apply for administrative costs incurred by us; and (2) Only the unused portion of the plan cost will be refunded; and (3) You cannot have filed any claims to be eligible for a premium refund.
Send any corrections to Travel Insurance Services as soon as possible 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. 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.
info@travelinsure.com
Fax: 610-537-9825
Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073
USA
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.
Please visit our
Claims page for information and forms to file a claim for the Visit USA-Healthcare plan.