8175216777
Jon David Nolan
8175216777
Compare Visitors Insurance
Jon David Nolan
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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.
Jon David Nolan
General
Medical - Outpatient
Up to $50 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.
Up to $250 per annual period, maximum of 90 days per prescription
To policy maximum
To policy maximum
To policy maximum
$500 maximum, 90 day supply per prescription.
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
Travel
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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