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Visitors Care Lite vs International Major Medical Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Visitors Care Lite vs International Major Medical Insurance.

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 a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

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 Care Lite
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
International Major Medical
Comprehensive
After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

Up to $50 per visit, 10 visits per annual period
Up to $50 per visit, 10 visits per annual period
Excluded
Up to $40 per visit, 10 visits per annual period
Up to $40 per visit, 10 visits per annual period
$200 per visit No coverage if not admitted to hospital, unless for injury.
$200 per visit No coverage if not admitted to hospital, unless for injury.
Up to $250 per annual period, maximum of 90 days per prescription
Up to $250 per annual period, maximum of 90 days per prescription
Up to $200 per procedure, maximum of $400
Up to $2,000 per surgical session
To policy maximum
To policy maximum
Excluded
To policy maximum
To policy maximum
To policy maximum
To policy maximum
$500 maximum, 90 day supply per prescription.
$500 maximum, 90 day supply per prescription.
To policy maximum
To policy maximum

Medical - Inpatient

Up to $825 per day, 30 days maximum per annual period
Up to $1,225 per day, 8 days maximum per annual period
Up to $2,000 per surgical session
Up to $450 per surgical session
Up to $450 per surgical session
Up to $40 per visit, 30 visits per annual period
Up to $350 per annual period
Up to $750 per annual period
To policy maximum, average semi-private room.
To policy maximum, three times average semi-private room rate.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
Up to $550 per annual period for a standard basic hospital bed, standard basic wheelchair or the initial orthopedic prosthetic
-
-
Up to $250 per annual period No coverage if not admitted to hospital, unless for injury.
-
-
Up to $40 per visit, 1 per visit per day, 12 visits maximum Must be ordered in advance by physician.
None
None
None
Acute onset only, for persons under 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Acute onset only, for persons under 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Included
Included
-
Age 0-59: To policy maximum. 60+: $25,000
To policy maximum
-
Recreational: Included. Hazardous: Optional
To policy maximum, to and from a hospital within 100 miles in the same geographic area.
-
-
To policy maximum Must be ordered in advance by physician.
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
-
-
-
Optional
Excluded

Dental

-
Up to $550 per annual period
-
To policy maximum

Life

-
$25,000
$25,000 - Accidental death only
$50,000 - Accidental death only

Other

-
Incidental: 14 days after 30 days continuous coverage
-
-
-
$50,000
Included
Included
Included, unless part of the excluded countries list
-
-
-
Included
Included

Plan Features

Yes, extendable in daily increments with 5 day minimum
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum to 2 years maximum
$0
$0
Private Duty Nursing: $400
Email
Annual
$0 Up to 69
$50 Up to 110
$100 Up to 110
Per Incident
$10,000 80-110
$25,000 Up to 79
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
No
No
Non refundable
Non refundable
2 days minimum up to 6 months maximum
$0
$0
-
Email
Per Policy Period
$100 Up to 69
$250 Up to 69
$500 Up to 69
$1,000 Up to 79
$2,500 Up to 84
$5,000 Up to 84
Lifetime Maximum
$50,000 Up to 84
$100,000 Up to 84
$250,000 Up to 79
$500,000 Up to 74
$1,000,000 Up to 69
Disability Management Services, Inc
Lloyd's
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • 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).
  • 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).

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