Visit USA-HealthCare®

Standard Plan

The Standard plans offer the winning combination of great coverage at a competitive price. Offering higher coverage limits than the Budget plan, the Standard plans also offer additional benefits including Accidental Death & Dismemberment, Political Evacuation and Trip Interruption.

Individuals with this plan have the option to add additional Accidental Death & Dismemberment coverage beyond what’s included in the plan. (Scroll down for Benefits, Rates, FAQs, and Details.)

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About Visit USA-HealthCare: Standard Plan

Get Visitor Medical Insurance When Visiting the United States
Are you planning a trip to the United States? Maybe you are a parent of a student studying abroad, planning a summer vacation or want to move to the United States. No matter what your reason is, our Visit USA-HealthCare visitor insurance can offer you the coverage you're looking for when visiting the United States. Nationalized or government sponsored health plans rarely provide adequate coverage for visitors for injuries or illnesses that occur in the United States, which is why it’s important to get travel medical insurance.

The Importance of Visitor Health Insurance
Every year, thousands of international visitors and immigrants to the U.S. need emergency medical treatment and do not have the new immigrant insurance or visitor insurance to cover the high costs involved. Most travelers are unaware of how expensive medical care is in the United States. U.S. medical facilities also may not recognize insurance provided by a “foreign” insurance company and could deny services or demand up-front payment for treatment. Visit USA-HealthCare is a beneficial travel medical insurance plan that can provide illness and accident expense protection, and it can pay for treatment during your visit to the U.S.

This coverage for visitors insurance is available for as little as $1.12 per day* for travelers under age 30, and as low as $3.60 per day* for travelers ages 50-59! See our rate chart for more details.

Who qualifies for visitor insurance?

  • Business and leisure travelers
  • Parents of students studying in the U.S.
  • Tourists and holiday travelers
  • Church or missionary travelers to the U.S.

You can choose from two visitors' insurance plans, each offering a choice of four deductibles.

After reviewing the visitor insurance plans, you can quote and buy online, over the phone, by fax or by mail. With any method, you will receive a receipt and Confirmation of Insurance by email.

*Both examples are for travelers electing Plan A ($50,000 per incident), with a $1,000 deductible. Your rates may vary based on age, deductible, and optional buy-up benefits. Please see our rate chart for more information.

Insurance is offered by WorldTrips. International insurance products are underwritten by Lloyd’s. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

Visit USA-HealthCare is also available through certain insurance agents and brokers throughout the U.S.

This visitors' insurance coverage, offered by Tokio Marine-HCC Medical Insurance Services, does not meet the minimum standards required by the health care reform law. The policy above contains the plan benefits, including a lifetime maximum. Please review your choices prior to purchasing to ensure that you have sufficient coverage to meet your medical needs.

Benefits: Standard Plan

Age Eligibility 14 days - 80+ years 14 days - 69 years
Maximum Policy/Accident & Sickness Medical Coverage Limits $75,000
(ages 80+: $20,000)
(ages 65-69: $100,000)
Deductible $0, $250, $500, or $1,000 per certificate $0, $520, $500, or $1,000 per certificate
Coinsurance In-network: 100%; Out-of-network: Usual, Reasonable and Customary In-network: 100%; Out-of-network: Usual, Reasonable and Customary
Provider Network GDPR residents: First Health Network
All others: UnitedHealthCare Network
GDPR residents: First Health Network
All others: UnitedHealthCare Network
Urgent Care Center Co-Payment Within the U.S.: $50 co-payment (Waived for members with $0 deductible) Within the U.S.: $50 co-payment (Waived for members with $0 deductible)
Emergency Medical Evacuation $250,000 $250,000
COVID-19 Coverage Included Included
Repatriation of Remains $50,000 $50,000
Emergency Reunion $15,000
(maximum 15 days)
(maximum 15 days)
Terrorism $50,000 $50,000
Recreational Sports Coverage Included Coverage Included
Personal Liability No Benefit No Benefit
Optional Accidental Death & Dismemberment $100,000 (ages 18-69) $100,000 (ages 18-69)
Political Evacuation $25,000 $25,000
Crisis Response No Benefit No Benefit
Trip Interruption $2,500 $2,500
24/7 Worldwide Assistance Included Included

Rates: Standard Plan

Daily Rates
Deductible Per Policy Period
Age $0 $250 $500 $1000 $0 $250 $500 $1000
14 days-17 yrs $1.47 $1.18 $1.07 $0.95 $2.42 $1.48 $1.33 $1.19
18-29 $1.47 $1.18 $1.07 $0.95 $2.42 $1.48 $1.33 $1.19
30-39 $1.99 $1.59 $1.44 $1.29 $2.85 $2.28 $2.05 $1.83
40-49 $2.93 $2.35 $2.13 $1.89 $3.67 $2.94 $2.65 $2.35
50-59 $4.35 $3.49 $3.16 $2.81 $6.06 $4.85 $4.37 $3.88
60-64 $5.08 $4.08 $3.68 $3.28 $7.89 $6.31 $5.68 $5.05
* 65-69 $5.74 $4.60 $4.15 $3.71 $8.81 $7.04 $6.35 $5.64
** 70-79 $8.27 $6.63 $5.98 $5.35 N/A N/A N/A N/A
** 80+ $16.49 $13.32 $12.09 $10.91 N/A N/A N/A N/A
* The Plan B Medical Expense Benefit limit is $100,000 for ages 65-69.
** The Plan A Medical Expense Benefit limit is $20,000 for ages 80 and older.

Optional Visitors Insurance Benefits Rates

  • Additional Accidental Death & Dismemberment Coverage
    For those who would like additional coverage, an additional $100,000 of Accidental Death and Dismemberment coverage is available for $1.25 per day. This optional benefit is not available for individuals age 70 or older.
  • Intercollegiate/Interscholastic/Organized Amateur Sports
    Visit USA-HealthCare coverage includes coverage for recreational sports only. For those planning to participate in intercollegiate, interscholastic, or organized amateur sports, a coverage rider is available for $1.25 per day.
  • Hazardous Activities
    For those planning to participate in hazardous activities while they are traveling, an additional rider is available for an additional 20% of the total premium. Only medical expenses are covered under this benefit. Click here for the list of hazardous activities.

Frequently Asked Questions: Standard 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 find 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.
    GDPR residents: First Health Network
    All others: UnitedHealthCare Network
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.
Fax: 610-537-9825
Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

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.

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Description of Coverage: Standard Plan

This Description of Coverage is a summary of the provisions contained in Master Policy Master Policy No.181920-2.1. For a complete copy of the Master Policy, please contact WorldTrips.

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 - Standard Plans A & B

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