Traveling outside the home country can be an eye-opening experience. To get the best out of your international travel, you want to be well-insured. Visitors Care Insurance offers a basic visitors insurance plan with flexible options and a range of deductibles and maximum benefits for short travel outside your home country.
The duration of the visitor insurance plan can be as short as five days, and as long as 12 months. If additional coverage is required, the plan allows extension for another 12 months; however, this will be under a new policy.
Some features are common to all Visitors Care insurance policies. These include emergency medical evacuation, accident death benefit in case of common carrier travel, repatriation of remains (in case of death), and coverage in the home country for in-between trips home.
While the presence of coverage is standard across the Visitor Care Insurance plan options, the level of coverage differs. The common medical benefits include ambulance charges, inpatient and outpatient treatment, physician consultation, surgery, physician visits, diagnostic tests, prescription medicines, nursing charges, and physiotherapy. Dental expenses are covered by the visitor care insurance plan in case of damage to natural teeth due to an accident.
As Visitors Care is a fixed benefit insurance plan, each of the benefits has limited coverage, as specified in the brochure. If the expense exceeds the covered amount, the insured pays the difference.
Common coverage in visitor health insurance policies include medical treatment of conditions or illnesses suffered or first detected during the plan period. Also, some situations such as pre-existing illnesses, wellness visits, and pregnancy-related treatment, are usually exempt from coverage.
It is often easier to use a provider within the preferred provider network because the Preferred Provider Organization (PPO) may be able to directly work with the policy. This means that no cash is required during billing. However, it is not required to seek medical care within the preferred provider network. The PPO links to a list of relevant providers in the United States, and for international travel, the insured can access the Visitors Care Insurance online list of health care providers. For emergencies, travel-related aid is available 24/7.
Visitors Care insurance is underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by S&P. In general, your visitors insurance policies are underwritten by well-known companies.
The duration of the visitor insurance plan can be as short as five days, and as long as 12 months. If additional coverage is required, the plan allows extension for another 12 months; however, this will be under a new policy.
Some features are common to all Visitors Care insurance policies. These include emergency medical evacuation, accident death benefit in case of common carrier travel, repatriation of remains (in case of death), and coverage in the home country for in-between trips home.
While the presence of coverage is standard across the Visitor Care Insurance plan options, the level of coverage differs. The common medical benefits include ambulance charges, inpatient and outpatient treatment, physician consultation, surgery, physician visits, diagnostic tests, prescription medicines, nursing charges, and physiotherapy. Dental expenses are covered by the visitor care insurance plan in case of damage to natural teeth due to an accident.
As Visitors Care is a fixed benefit insurance plan, each of the benefits has limited coverage, as specified in the brochure. If the expense exceeds the covered amount, the insured pays the difference.
Common coverage in visitor health insurance policies include medical treatment of conditions or illnesses suffered or first detected during the plan period. Also, some situations such as pre-existing illnesses, wellness visits, and pregnancy-related treatment, are usually exempt from coverage.
It is often easier to use a provider within the preferred provider network because the Preferred Provider Organization (PPO) may be able to directly work with the policy. This means that no cash is required during billing. However, it is not required to seek medical care within the preferred provider network. The PPO links to a list of relevant providers in the United States, and for international travel, the insured can access the Visitors Care Insurance online list of health care providers. For emergencies, travel-related aid is available 24/7.
Visitors Care insurance is underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by S&P. In general, your visitors insurance policies are underwritten by well-known companies.
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