Visit USA-HealthCare®

Superior Plan

The Superior plan features our broadest coverage and highest benefit limits for those seeking the peace of mind that comes with a more extensive travel healthcare option. This plan also includes benefits like Trip Interruption, Lost/Stolen Passport or Visa and Crisis Response.

Individuals with this plan have the option to add additional Accidental Death & Dismemberment coverage, plus coverage for hazardous activities and participation in interscholastic or intercollegiate sports.

If you want to minimize your exposure to high costs in case of a medical emergency in the U.S., the Superior plan may be the best fit for you. (Scroll down for Benefits, Rates, FAQs, and Details.)

Compare with Budget or Standard here.

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

Benefits: Superior Plan

  Superior
PLAN
$250,000
Age Eligibility 14 days - 80+ years
Maximum Policy/Accident & Sickness Medical Coverage Limits $250,000
(ages 65-79: $100,000)
(ages 80+: $20,000)
Deductible $0, $250, $500, or $1,000 per certificate
Coinsurance In-network: 100% PPO; Out-of-network: Usual, reasonable and customary
Provider 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)
Emergency Medical Evacuation $500,000
COVID-19 Coverage Included
Repatriation of Remains Overall maximum limit
Emergency Reunion $15,000
(maximum 15 days)
Terrorism $50,000
Recreational Sports Coverage Included
Personal Liability $10,00 Lifetime Maximum
Optional Accidental Death & Dismemberment $100,000 (ages 18-69)
Political Evacuation $50,000 lifetime maximum
Crisis Response $10,000
Trip Interruption $5,000
24/7 Worldwide Assistance Included

Benefit limits may apply to certain conditions.

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."

Optional Visitors Insurance Benefits

  • Additional Accidental Death & Dismemberment Coverage
    For those who would like additional coverage, $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.

The following Hazardous Activities are covered with the purchase of the rider:

  • American Football
  • Big Game Hunting or Safari
  • Bungee Jumping, Hang-Gliding, Kite-Surfing
  • Mountaineering (at elevations below 4,500 meters)
  • Parachuting, Paragliding
  • Powerlifting
  • Running with the Bulls
  • Sky Surfing
  • Recreational Downhill and/or Cross Country Snow Skiing and Snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)
  • Spelunking
  • Sub Aqua Pursuits involving underwater breathing apparatus (accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified)
  • Surfing, Waterskiing, Whitewater Rafting

Rates: Superior Plan

Daily Rates
Superior
PLAN A
$250,000
Deductible Per Policy Period *
Age $0 $250 $500 $1000
14 days-17 yrs $2.87 $2.31 $2.09 $1.87
18-29 $2.87 $2.31 $2.09 $1.87
30-39 $4.45 $3.58 $3.23 $2.90
40-49 $5.89 $4.73 $4.28 $3.83
50-59 $9.45 $7.59 $6.86 $6.14
60-64 $12.32 $9.89 $8.95 $8.01
* 65-69 $13.76 $11.03 $9.98 $8.93
* 70-79 $16.53 $13.29 $12.08 $10.88
* 80+ $27.94 $22.52 $20.40 $18.38
* The Medical Expense Benefit limit for persons ages 65-79 is $100,000; limit for ages 80 and above is $20,000.

Optional Visitors Insurance Benefits Rates

  • Additional Accidental Death & Dismemberment Coverage
    For those who would like additional coverage, $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.

The following Hazardous Activities are covered with the purchase of the rider:

  • American Football
  • Big Game Hunting or Safari
  • Bungee Jumping, Hang-Gliding, Kite-Surfing
  • Mountaineering (at elevations below 4,500 meters)
  • Parachuting, Paragliding
  • Powerlifting
  • Running with the Bulls
  • Sky Surfing
  • Recreational Downhill and/or Cross Country Snow Skiing and Snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)
  • Spelunking
  • Sub Aqua Pursuits involving underwater breathing apparatus (accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified)
  • Surfing, Waterskiing, Whitewater Rafting

Frequently Asked Questions: Superior 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.

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Email us: info@travelinsure.com

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Description of Coverage: Superior 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 - Superior Plan

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