Visitors Protect Travel Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Visitors Protect
Comprehensive
满足自付额后,保险支付75%(网络外60%)至最高保额。

Medical - Outpatient

至最高保额
包括虚拟医生访问。 可选Teladoc咨询。
美国-紧急医护:免除自付额和共同保险; 网络内共付额$25,网络外共付额$50。 美国-无预约诊所:免除自付额和共同保险; 网络内共付额$15,网络外共付额$25。
至最高保额 没有住院的生病需额外支付$250。
至最高保额, 每次最多提供90天的处方药。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%,不包括旁站医生。
至最高保额
-

Medical - Inpatient

至最高保额, 普通双人病房且包括护理服务。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%,不包括旁站医生。
至最高保额
至最高保额
至最高保额

Medical - Other Treatment And Services

-
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准基础轮椅
-
-
当生病导致住院或受伤至最高保额。
-
-
至最高保额 必须提前获得医生许可。
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
$25,000 至69岁; 70岁及以上$20,000,自付额$1,500(原保险自付额不再适用)。无共同保险。
包括

Plan Features

保险生效前, 全额退款。 保险生效后,只要没有理赔申请,按比例退款并扣除$50取消费用。前90天没有退款。
最少90天最多12个月
$0
$0
可选:手机保障 可选:Teladoc保障
电子邮件
每次事故
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
$5,000 Up to 110
每次事故
$50,000 Up to 110
$100,000 Up to 69
$250,000 Up to 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation

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  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).