Plan Detail

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's


VisitorSecureSM is your cost effective insurance plan when you have relatives visiting the US or for travel abroad. VisitorSecureSM provides protection while immigrating or traveling to the US and internationally.

  1. Easy online enrollment
  2. Major medical coverage for individuals of any age
  3. Astonishing travel assistance services included

What is VisitorSecureSM?

Individuals from around the globe live and work in the US. While traditional domestic plans are available to permanent residents, family, friends and others who visit these individuals often need insurance protection while they are in the US. VisitorSecureSM is designed to protect these international visitors. The plan also provides an additional, economical option for US citizens traveling abroad. VisitorSecureSM provides quality insurance at a price that does not break the bank. It provides both inpatient and outpatient hospital benefits and many other valuable emergency travel features, giving you protection you can rely on.

Whether you are looking for coverage for one individual or a group of family members, VisitorSecureSM has the features you need. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Common Carrier AD&D. In addition, the plan offers a choice of deductibles and coverage options assuring that the plan will meet almost any budget.
About the Plan Administrator
MultiNational Underwriters® (MNU), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. You will find our service team to be prompt, compassionate, and highly professional. MNU is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.
About the Insurer
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of VisitorSecureSM. Rated ‘A’ (Excellent) by AM Best Company and ‘A’ (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
Privacy Policy
MNU respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us or visit to obtain a full version of our Privacy Policy.
Enrollment Procedures
For quick and easy enrollment, contact your producer or HCCMIS for online application instructions. Online applications are processed in real-time, and you will be able to print your fulfillment immediately. You may also obtain and complete an application form to be returned to MNU by e-mail, fax, or postal mail. Applications submitted by e-mail, fax, or postal mail will be processed within two business days of receipt by HCCMIS.
  1. Only individuals traveling outside of their Home Country who are at least 14 days of age are eligible for coverage under this plan. U.S. citizens must be traveling outside of the continental U.S., Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands in order to be eligible. For individuals coming to the U.S. who are over age 65, coverage must be effective within 30 days of arrival.
  2. Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan.
Certificate Effective & Termination Dates
Certificate Effective Date – Insurance hereunder is effective for a Member on the later of:
  1. the moment Underwriters receive Application and correct premium if Application and payment is made online or by facsimile; or
  2. 12:01a.m. U.S. Eastern Time on the date Underwriters receive Application and correct premium if Application and payment is made by mail; or
  3. the moment the Member departs from his or her Home Country; or
  4. 12:01a.m. U.S. Eastern Time on the date requested on the Application.

Certificate Termination Date – Insurance hereunder terminates for a Member on the earlier of:

  1. 11:59 p.m. U.S. Eastern Time on the last day of the period for which premium has been paid; or
  2. 11:59 p.m. U.S. Eastern Time on the date requested on the Application; or
  3. the moment of the Member’s arrival upon return to his or her Home Country.
Notwithstanding the foregoing, coverage under all Plans shall terminate on the date Underwriters, at their sole option, elect to cancel all Members of the same sex, age, class or geographic location, provided Underwriters give no less than 30 days advance written notice by mail to the Member’s last known address.