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VISIT® International Health Insurance Program
for International Students, Scholars, Spouses, Families and Visitors

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The Trusted Name in International Travel and Medical Insurance for over 30 Years!

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Comparison of All VISIT® Plans COVERAGES

Please review the Plans carefully!  Coverage and Plan options have been Updated
Coverage Economy $100K
 View Policy 		Economy $250K
View Policy 		Standard $100K
View Policy 		Standard $250K
View Policy 		Super 
$100k
View Policy 		Super 
$250K
 View Policy		 Platinum $100K
View Policy		 Platinum $250K
View Policy		 Plan E Plus
$100K, $250K, $1 Million
View Policy
Accident & Sickness Medical  Maximums - Per Injury or Illness

Routine visits are not covered.		 Student
$100,000
 Age 12-49

$50,000 
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student
$250,000
 Age 12-49

$100,000
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student
$100,000
 Age 12-49

$50,000 
 Age 50-64

 Spouse/Child
 $50,000
Spouse
$25,000
 Age 50-64		 Student
$250,000
 Age 12-49

$100,000
 Age 50-64

 Spouse/Child
 $50,000
Spouse
$25,000
 Age 50-64		 Student
$100,000
 Age 12-49

$50,000 
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student
$250,000
 Age 12-49

$100,000
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student
$100,000
 Age 12-49

$50,000 
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student
$250,000
 Age 12-49

$100,000
 Age 50-64
Spouse/Child
$50,000
Spouse
$25,000
 Age 50-64		 Student, Scholar, Family, Visitor
$50,000,
$100,000, $250,000, $500,000 or $1,000,000
Age 0-69

$50,000
 Age 70-79
Lifetime Medical Maximum $1,000,000 per Student
$100,000 Spouse/Child		 $1,000,000 per Student
$100,000 Spouse/Child		 $1,000,000 per Student
$100,000 Spouse/Child		 $1,000,000 per Student
$100,000 Spouse/Child		 $50,000,
$100,000, $250,000, $500,000 or $1,000,000
Age 0-69
$50,000
Age 70-79
Deductible -  Per Injury or Illness $50 
Student Health
$100 Non-Student Health 		 $50 
Student Health
$100 Non-Student Health 		 $50 
Student Health
$100 Non-Student Health 		 $50 
Student Health
$100 Non-Student Health 		 $50 Student Health
$100 Non-Student Health 		 $50 Student Health
$100 Non-Student Health 		 $50 Student Health
$100 Non-Student Health 		 $50 Student Health
$100 Non-Student Health 		 $0, $100, $250 or $500 per policy period
Prescription Drugs: Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness Covered as any other covered Injury or Illness

Prescription Deductible per script:

Prescription Coinsurance per script:

$0 per script

100% up to policy maximum per script

$0 per script

100% up to policy maximum per script

$0 per script

100% up to policy maximum per script

$0 per script

100% up to policy maximum per script

$0 per script

100% up to policy maximum per script

 

$0 per script

100% up to policy maximum per script

$0 per script

100% up to policy maximum per script

 

$0 per script

100% up to policy maximum per script

 covered as any other medical expense
Coinsurance 80% to $10,000, then 100% to Plan Maximum 80% to $10,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum 80% to $5,000, then 100% to Plan Maximum
Benefit Period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period Covered Expenses incurred during the benefit period
Maternity Up to $10,000 per Policy Year
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Up to $10,000 per Policy Year
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Up to $10,000 per Policy Year
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Up to $10,000 per Policy Year
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Covered as any other illness
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Covered as any other illness
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Covered as any other illness
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 Covered as any other illness
(must be insured for a minimum of 30 days prior to conception to receive maternity benefits)		 NO COVERAGE
Mental Illness per Lifetime
Inpatient:		 Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days Payable at 50% to $10,000, to a max. of 40 days NO COVERAGE
Mental Illness per Lifetime
Outpatient:		 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 Payable at 80% up to max. of $500 NO COVERAGE
Alcohol & Drug Abuse per Lifetime
Inpatient/Outpatient		 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 Payable at 50% up to $1000 NO COVERAGE
Injuries from a Motor Vehicle Accident $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period Up to Policy Maximum Up to Policy Maximum Up to Policy Maximum Up to Policy Maximum Up to Policy Maximum
Sports-related Injuries (non-interscholastic sports) $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period Up to Policy Maximum
Hazardous Sports Coverage as listed $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period $10,000 per policy period Must Choose Hazardous Sports Option
Dental (Emergency)
as a result of injury to to natural teeth caused by an accident. 		$250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $250 per tooth to a max. of $500 per policy period $100 per tooth to a max. of $500
Emergency Medical Evacuation $100,000 per policy period $100,000 per policy period $100,000 per policy period $100,000 per policy period $100,000 per policy period $100,000 per policy period $100,000 per policy period $100,000 per policy period Up to $100,000
Repatriation of Mortal Remains $25,000 per policy period $25,000 per policy period $25,000 per policy period $25,000 per policy period $25,000 per policy period $25,000 per policy period $25,000 per policy period $25,000 per policy period Up to $25,000
Emergency Reunion $5000 per policy period $5000 per policy period $5000 per policy period $5000 per policy period $5000 per policy period $5000 per policy period $5000 per policy period $5000 per policy period Up to $25,000
Accident, Death & Dismemberment $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $10,000 per Student
$5000 per Spouse/Child		 $25,000 per Insured/Spouse
$5000 per Dependent Child
Home Country Coverage -Incidental Trips to the Insured's Home Country 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 30 days of coverage up to a max. of $25,000 per policy period 60 days per 12 months of coverage up to $50,000
Home Country Coverage Extension of Benefits Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning to your Home Country Up to $5000, expenses must be incurred within 30 days of returning of Your Home Country
Pre-existing Conditions
12 months prior to Effective Date, waived after 12 consecutive months of coverage		 Yes Yes Yes Yes Yes Yes 6 months prior to Effective Date, waived after 6 consecutive months of coverage 6 months prior to Effective Date, waived after 6 consecutive months of coverage NO COVERAGE
Return of Minor Children NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE Up to $10,000
Interruption of Trip NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE Up to $5000
Loss Baggage NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE Up to $250
Routine visits to the Doctor, Vaccinations, Annual Physical Exams NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE NO COVERAGE
Assistance 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour - Worldwide 24-Hour -
Worldwide
                   
Eligibility
Student- The Student rate is open to International Students, visiting Faculty, Scholars, or other persons over the age of twelve (12) up to and including age sixty-four (64), who are temporarily residing outside their Home Country. The Insured must remain engaged in educational or research activities outside their Home Country during the Period of Coverage.

Spouse-An eligible spouse shall be defined as the Primary Insured’s legal spouse up to and including age sixty-four (64). 

Child-An Eligible Dependent Child shall mean the Primary Insured Person’s unmarried children over thirty (30) days and under nineteen (19) years of age or under twenty-five (25) years of age if they are attending an accredited institution of higher learning on a regular full-time basis and/or wholly dependent upon the Insured Person for maintenance and support.

A Student must be the primary insured in order for the Spouse and Child to be eligible for PLANS Economy, Standard, Super, Platinum (only).  Spouse and child(ren) are eligible for Plan
E Plus.  Students are welcome in all plans including Plan E Plus.

 
Cancellation Policy
 All premiums are fully earned upon Application, and are Non-Refundable. Please apply only for the term of coverage you need, and re-apply as necessary as your plans may change.

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VISIT International Health Insurance Program, an Insurance program of PENTECO, LLC
www.visitinsurance.com
Correspondence: P.O. Box 210, Mount Vernon, VA  22121 (703) 660-9062/ (800) 247-5575/ (703) 991-9164 fax
email:  info@visitinsurance.com

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