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.)

Compare with Budget or Superior here.

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Quote and compare your cost for all plan levels of Visit USA-HealthCare: Budget, Standard and Superior.

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

  Standard
PLAN A
$75,000
Standard
PLAN B
$200,000
Age Eligibility 14 days - 80+ years 14 days - 69 years
Maximum Policy/Accident & Sickness Medical Coverage Limits $75,000
(ages 80+: $20,000)
$200,000
(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
Emergency Room Co-Payment Within the U.S.: $250 co-payment for illness unless you are admitted to the hospital. No co-payment for emergency room treatment of an injury. Within the U.S.: $250 co-payment for illness unless you are admitted to the hospital. No co-payment for emergency room treatment of an injury.
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)
Outpatient Physical Therapy and Chiropractic Care Usual, reasonable and customary charges. Must be ordered in advance by a physician. Usual, reasonable and customary charges. Must be ordered in advance by a physician.
Emergency Dental Treatment due to Accident $1,000 $1,000
Emergency Dental (Acute Onset of Pain) $100 $100
Acute Onset of Pre-Existing Condition
(excludes chronic and congential conditions)
$20,000 (ages 65 and above: $2,500) $20,000 (ages 65 and above: $2,500)
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)
$15,000
(maximum 15 days)
Terrorism $50,000 $50,000
Recreational Sports Coverage Included Coverage Included
Personal Liability No Benefit No Benefit
Accidental Death & Dismemberment $50,000 (ages 18-69)
$5,000 (under age 18)
$20,000 (ages 70-74)
$10,000 (ages 75 and older)
$50,000 (ages 18-69)
$5,000 (under age 18)
$20,000 (ages 70-74)
$10,000 (ages 75 and older)
Political Evacuation $25,000 $25,000
Crisis Response No Benefit No Benefit
Trip Interruption $2,500 $2,500
24/7 Worldwide Assistance Included Included
Optional Enhanced Accidental Death & Dismemberment $100,000 (ages 18-69) $100,000 (ages 18-69)

Note: Visit-USA Healthcare does not cover pre-existing conditions. 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."

Rates: Standard Plan

Daily Rates
Standard
PLAN A
$75,000
Standard
PLAN B
$200,000
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 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.
The Visit USA-HealthCare Insurance Standard and Superior plans include an Emergency Room Co-Payment. You are responsible for paying this co-payment amount, as shown in the Schedule of Benefits and Limits, for each use of the emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
The Visit USA-HealthCare Insurance Standard and Superior plans include an Urgent Care Center Co-Payment. You are responsible for paying this co-payment amount, as shown in the Schedule of Benefits and Limits, for each visit. This amount is not subject to the plan deductible and will be waived for members with a $0 plan deductible.
Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. For the Visit USA-HealthCare Standard and Superior plans, the plan will pay 100% of eligible expenses after the deductible up to the overall maximum limit. (The coinsurance provision does not apply to the Visit USA-HealthCare Budget plan.)
On the Visit USA-HealthCare Standard and Superior plans, the Insured is responsible to pay their chosen deductible. After this amount has been paid, the insurance will pay 100% of eligible expenses up to the overall maximum limit for expenses incurred within the PPO Network. Outside the PPO network, the plan will pay Usual, Reasonable, and Customary charges for eligible expenses after the deducible. The Insured may be responsible for charges exceeding the payable amount.
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."
If purchased, the Optional Intercollegiate/Interscholastic Sports Rider will cover eligible expenses for a new injury or illness sustained while covered under this policy and taking part in the following sports or other athletic activities that are organization and/or sanctioned, involving regular or scheduled practices and/or regular scheduled games: Baseball; Cheerleading; Cross Country; Cycling; Diving; Equestrian; Field Hockey; Golf; Gymnastics; Ice Hockey; Marital Arts; Polo Horse; Rugby; Skiing; Soccer; Softball; Swimming; Tennis; Track & Field; Volleyball; Water Polo; Wrestling.

You are not covered if: 1. The activity is performed in a professional capacity or for any wage, reward or profit; or 2. The injury or illness is sustained while you are not actively covered hereunder; or 3. Expenses arise directly or indirectly from anything in the General Exclusions. Coverage is subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy.
If purchased, the Optional Hazardous Activities Rider will cover eligible expenses while taking part in amateur/non-professional sports and activities, unless excluded below. Coverage is for recreational purposes incidental to a trip. You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets, etc.) are work at all times. You are not covered if: 1. The activity is organization athletics involving regular or schedule practice and/or games; or 2. The activity is performed in a professional capacity or for any wage, reward, or profit; or 3. Expenses arise directly or indirectly from anything in the General Exclusions; or 4. Any of the following excluded items: All-Terrain Vehicles; Aussie Rules Football; Aviation (except w hen traveling solely as a passenger in a commercial aircraft); Base Jumping; Bobsleigh; Boxing; Cave Diving; Heli-Skiing; Hot Air Ballooning as a Pilot; Ice Hockey; Jousting; Luge; Martial Arts; Modern Pentathlon; Motorized Dirt Bikes; Mountaineering at elevations of 4,500 meters or higher; Outdoor Endurance Events; Quad Biking; Racing by any Animal, Motorized Vehicle, or BMX, and Speed rials and Speedway; Rugby; Skeleton; Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advise of the local ski school or local authoritative body); Sub Aqua Pursuits involving underwater breathing apparatus unless accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified; Tractors; Wrestling. Coverage is subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy.
Yes! COVID-19 is covered the same as any other illness on the policy.
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.

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Questions? Concerns

1-800-937-1387

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Email us: info@travelinsure.com

Do you need help calling us from outside of the United States? Visit www.howtocallabroad.com.

 

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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