IMG Visitors Care Travel Medical Insurance for USA
Visitors Care Insurance is a fixed benefit plan for visitors to the USA, purchase basic affordable coverage from 5 up to 365 days, available in Lite, Plus and Platinum options.
COVID-19 / SARS-CoV-2 / Coronavirus: Effective May 5, 2021, coverage for COVID-19 was added to the Visitors Care Insurance plan for new purchases only. Visitors Care Insurance purchased on or after March 11, 2020 and prior to May 5, 2021, COVID-19 will be NOT be covered and testing/treatment will be excluded from coverage. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) in March 2020, hence the exclusion per the policy certificate of insurance document applied.
Visitors Care Insurance is a scheduled or fixed benefits program with lifetime maximum limits or caps for each medical condition as specified in the schedule of benefits table available in the plan brochure.
Visitors Care policy is suited for non-US citizens visiting the USA or for intl. travel outside America. Visitors Care travel medical insurance plan is a broad package available in different levels based on deductibles and maximum coverage options – Visitors Care Lite, Visitors Care Plus, and Visitors Care Platinum. The maximum benefit amounts are US$25,000, US$50,000 or US$100,000 for the life of the IMG Visitors Care plan with various deductible options of US$0, US$50 or US$100.
Visitors Care Plan offers optional Heart Care Plus Rider. In the event the insured person experiences a Myocardial Infarction (Heart Attack) or Stroke while the certificate is in force, and the condition is deemed to be pre-existing, the IMG VisitorsCare insurance will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 – 69 and up to $2,500 for ages 70+.
- Quote and Buy Visitors Care Insurance online
- Review the Visitors Care Insurance Brochure
- Review the Visitors Care Insurance Certificate
IMG VisitorsCare Insurance plan provides coverage for foreign nationals in the USA, and as well as worldwide, as long as the insured is outside his or her country of residence. VisitorsCare insurance is a visitor health insurance coverage administered by International Medical Group, Inc. (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation.
Notes: Low-cost fixed benefit policy with costs scheduled per benefits table, for visitors to the USA, or travel outside home country, renewable plan available in Lite, Plus and Platinum levels, with NO Covid-19 coverage.
Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only. The plan is available for both foreign nationals and expat US citizens visiting the U.S.
Coverage Duration: Minimum of 5 days to maximum of 1 year (365 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.
Renew or Extend: Renewable prior to expiration date up to maximum duration of 1 year.
Other Highlights
- Foreign residents visiting the USA
- Anyone traveling outside home country
- Fixed sickness/injury plan for visitors
- Quote & purchase online for single trip
- Optional riders to policy available
Visitors Care Insurance Highlights
- Short-term visitor medical plan for USA visitors or travelers worldwide
- Basic coverage for individuals and their dependent families
- Available in Lite, Plus or Platinum plan options
- Maximum limit choices of 25K, 50K, or 100K USD
- Maximum limit choices lowered for ages over 70 years
- Per incident/accident deductible options of $0, $50 or $100
- Coverage for emergency medical evacuations
- Repatriation of mortal remains to home country included
- Incidental home country coverage available
- Optional Heart Care Plus Rider
- Optional Pre-existing Condition Rider
- Minimum purchase of 5 days renewable up to 24 months
- Extend or renew policy to 24 months total duration
- Seek treatment with any doctor/hospital/provider of your choice
- Access policy certificate on the Client Dashboard online
Visitors Care Insurance Suits
- Relatives/Parents visiting USA from India, China, etc.
- Budget travelers, tourists or vacationers seeking basic coverage
- New immigrants needing interim coverage
- Anyone seeking low-cost coverage outside home country
Visitors Care Insurance Information
IMG Visitors Care Insurance is a low-cost, scheduled or fixed benefit plan that meets the coverage needs of non-U.S. citizens seeking a visitor health insurance plan while visiting USA, or traveling for business or pleasure worldwide outside of their home country. The VisitorsCare plan provides coverage for relatives or parents visiting USA or traveling to America and other nations worldwide. The policy offers individuals and families with the scheduled benefit coverage up to the amounts fixed in the summary of benefits table in the plan brochure. The Visitors Care plan can be purchased from a choice of a wide range of maximum limits and deductible options, and suited for USA visitors who is seeking a basic plan at a very affordable premiums.
- Short-term travel medical coverage
- Coverage for individuals and dependents
- Acute onset of pre-existing condition coverage for ages below 70 years
- Coverage for Emergency Medical Evacuations
- Return of Mortal Remains or Cremation/Burial
- Freedom to seek treatment with hospital or doctor of your choice
- Coverage outside home country of residence
- Incidental Home Country Coverage
- 24 hour secure access from anywhere in the world
- Coverage limits keep premium costs low
Visitors Care Insurance Plan Overview
IMG Visitors Care Insurance plan is short-term scheduled benefits plan with lifetime maximum capping for each medical condition as listed in the summary of benefits. The plan is designed for budget conscious non-U.S. residents who need temporary medical insurance as visitors to America, or while traveling for business or pleasure anywhere outside of their home country. Plan is suitable for relatives/parents visiting USA or going abroad to any foreign destination country.
- Eligibility: Non-US residents as visitors to USA, or for international travel outside home country of residence.
- Policy Maximum: Plan offers maximum coverage from US$25,000, US$50,000 or US$100,000. For travelers over 80, the maximum coverage is US$10,000.
- Plan Deductible: Choice of US$0, US$50, US$100 per injury or sickness/illness. For travelers over 70, US$0 deductible option not available.
- PPO Network: No PPO network, seek treatment at any doctor, clinic or hospital.
- Duration: Minimum period of 5 days to initial maximum period up to 364 days (1 year), renewable for total period of 2 years (24 months).
- Pre-Existing Conditions: Acute onset of pre-existing condition coverage up to plan maximum selected is available with this plan for ages below 70 years. Only Acute Onset of Pre-existing Condition is covered, which is a sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time is not covered. This does not include any condition for which, as of the effective date, the insured person knew or reasonably foresaw he/she would receive, knew he/she should receive, had scheduled, or were told that he/she must or should receive, any medical care, drugs or treatment.
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits and the specified limits.
- Administrator: Plan is administered by International Medical Group Inc (IMG).
- Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation.
Visitors Care Plan Details
Review the IMG Visitors Care Insurance for additional information on the plan options Lite (Plan A), Plus ((Plan B), or Platinum (Plan C) as below:
| Plan Name | Visitors Care |
| Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Visitors Care Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Visitors Care Insurance Brochure |
| Renew Coverage Online | Renew VisitorsCare Insurance Online, extend coverage dates from 5 days to a total duration of 12 months (1 year) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure with a legal visa status, or Foreign national or US citizen traveling outside America and home country. Note: US citizens living abroad (expats) and visiting the United States are NOT eligible to purchase this policy. For Insured Persons 65 years of age and older visiting the United States of America, initial Period of Coverage must begin within 30 days of arrival in the United States or must have proof of valid international travel insurance coverage expiring no more than 30 days prior to initial Effective Date of Coverage. |
| Area of Coverage | Worldwide excluding Home Country. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of 12 continuous months. |
| Certificate Period | The period beginning on the effective date of coverage of this certificate, including any extension purchases, and ending on the termination date. |
| Lifetime Maximum Benefit Limit | Age 15 days to Age 79 years: Maximum coverage choices include: Plan A $25,000, Plan B $50,000, and Plan C $100,000 Age 80 years of age and older: Maximum coverage limited: Plan A $10,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible | Age 15 days to Age 79 years: Under Plans A, B or C, Deductible choices are $0, $50, or $100 per incident/accident. Age 80 years of age and older: Under Plan A, Deductible choices are $50, or $100 per incident/accident. Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage. After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Preferred Provider PPO Network | No PPO Network, go to any doctor, clinic, or hospital of your choice. Note: If you need help in finding a doctor/hospital, you can use the IMG PPO Network to find healthcare service providers. Access care at any doctor or hospital, no savings inside or outside the PPO network. |
| Inpatient Services [Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage] |
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| Inpatient Physician | Maximum per Day Visit: Plan A: $40, Plan B: $55, and Plan C: $85 Note: Limited to 1 visit per day Maximum number of doctor visits is limited to 30. |
| Specialist Consultation | Maximum per consult: Plan A: $350, Plan B: $450, and Plan C: $500 The specialist consultation must be ordered by attending physician. |
| Hospital Room and Board | Maximum per day: Plan A: $825, Plan B: $1,400, and Plan C: $1,950 Note: Maximum number of days is limited to 30. Average semi-private room rate. Includes miscellaneous charges and ancillary services, including nursing services. |
| Intensive Care Unit | Maximum per day: Plan A: $400, Plan B: $660, and Plan C: $850 Note: Maximum number of days is limited to 30. |
| Private Duty Nursing | Maximum Limit: Plan A $400, Plans B and C: $550. |
| Surgeon | Maximum per Surgical Session: Plan A: $2,000, Plan B: $3,300, and Plan C: $5,500. |
| Assistant Surgeon | Maximum per Surgical Session: Plan A: $450, Plan B: $825, and Plan C: $1,375. |
| Anesthesia | Maximum per Surgical Session: Plan A: $450, Plan B: $825, and Plan C: $1,375. |
| Outpatient Services [Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage] |
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| Pre-admission Testing | Maximum Limit: Plan A $750, Plans B and C: $1,100. |
| Outpatient Physician | Maximum per Day Visit: Plan A: $50, Plan B: $55, and Plan C: $85. Note: Limited to 1 visit per day Maximum number of doctor visits is limited to 10. |
| Diagnostic Laboratory and Radiology | Maximum Limit: Plan A: $650, Plan B: $800, and Plan C: $950. |
| Hospital Emergency Room | Maximum per Visit: Plan A: $200, Plan B: $330, and Plan C: $550. |
| Surgical Facility | Maximum per Surgical Session: Plan A: $750, Plan B: $900, and Plan C: $1,100. |
| Surgeon | Maximum per Surgical Session: Plan A: $2,000, Plan B: $3,300, and Plan C: $5,500. |
| Assistant Surgeon | Maximum per Surgical Session: Plan A: $450, Plan B: $825, and Plan C: $1,375. |
| Anesthesia | Maximum per Surgical Session: Plan A: $450, Plan B: $825, and Plan C: $1,375. |
| Physical Therapy | Maximum per Visit: Plan A: $25, Plans B and C: $40. Note: Limited to 1 visit per day Maximum number of doctor visits is limited to 12. |
| Extended Care Facility | Maximum per Visit for Plan A: $150, Plan B: 200 and Plan C: $250. Note: Upon direct transfer from acute care hospital only. Maximum number of days is limited to 15. |
| Prescription Drugs | Maximum Limit for Plan A: $150, Plans B and C: $250. |
| Emergency Services [NOT Subject to the deducible or coinsurance unless otherwise noted, and subject to Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage] |
|
| Common Carrier Accidental Death | Plans A, B and C: $5,000 maximum per insured member $25,000 per family maximum. Note: Not subject to deductible or coinsurance. A maximum of $250,000 per insured family involved in the same accident. |
| Emergency Local Ambulance | Maximum Limit for Plan A: $250, Plans B and C: $450. Note: Subject to Deductible. Injury / Illness resulting in a Hospitalization admission. |
| Emergency Medical Evacuation | Maximum Limit for Plan A: $25,000, Plan B and C: $50,000. Note: This benefit amount is in addition to the medical maximum. This benefit must be approved in advance and coordinated by the plan administrator. |
| Return of Mortal Remains or Burial/Cremation | Plans A, B and C: Up to $7,500 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Other Services [NOT Subject to the deducible or coinsurance unless otherwise noted, and subject to Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage] |
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| Dental Accident | Maximum Limit for Plan A: $350, Plan B and C: $550. Note: This benefit is subject to deductible. |
| Incidental Home Country Coverage | Plans A, B and C: Up to a cumulative total of 14 days during the coverage period. Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country. This benefit must be approved in advance and coordinated by the plan administrator. |
| Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only. Note: This benefit is NOT subject to deductible. |
| Optional Riders to the Policy [Riders can be optionally added on and purchased at an additional cost to enhance standard plan benefits] |
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| Heart Care Plus Rider | Heart Plus Rider Benefit Amount maximums by age: Age 0 to 69 years: Up to $5,000. Age 65+ years: Up to $2,500. Note: In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum benefit amount stated by age. Charges incurred that are directly related to a Myocardial Infarction or Cerebrovascular Accident, which is determined to be a Pre-existing Condition, as defined herein, will be reimbursed up to the maximum as shown in the provision for Heart Plus Rider. Cerebrovascular Accident (Stroke, CVA, Transient Ischemic Attack, TIA): A disruption of blood flow to the brain resulting in neurologic changes, either permanent (CVA) or temporary (TIA). This can include an ischemic stroke, hemorrhagic stroke or bleeding due to an aneurysm. Myocardial Infarction (MI, Acute Myocardial Infarction, AMI, Non-ST Segment Elevation Myocardial Infarction, STEMI, Heart Attack): An acute interruption of vascular perfusion of any portion of the myocardium (muscles of the heart) due to either an occlusion of a coronary artery or to vascular spasm causing damage to the myocardium. Charges are subject to Deductible or Coinsurance, Usual, Reasonable, and Customary (URC), and maximum Limits per Period of Coverage or if indicated, per Lifetime. |
| Miscellaneous Plan Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | 50% reduction of eligible medical expenses for treatments & supplies if Pre-certification provisions are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Medical Evacuation: No coverage if not approved by the plan administrator. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the IMG Claims Form to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$25.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required. |
| Client Dashboard | Easy access to the IMG Client Dashboard from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from International Medical Group 24/7 and 365 days of the year. |
| Plan Administrator | International Medical Group handles all claims and policy administration services. IMG Global is based in Indiana, USA. |
| Insurance Underwriter | VisitorsCare plans are underwritten by SiriusPoint Specialty Insurance Corporation. |
| Ratings of Insurance Underwriter | SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s. |
| Application Form | Print and complete paper application, mail/fax the Visitors Care Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Visitors Care Insurance Quote |
Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The Master Policy is not a Comprehensive or Full-Coverage Accident and Health Insurance Policy, nor is it a Major Medical plan. Rather, it provides Limited Scheduled Benefits to insured persons, as outlined herein, while they are traveling or temporarily residing outside their home country.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.
Pre-existing Condition: Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Visitors Care - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Visitors Care Plan Brochure for plan information.
Visitors Care - Certificate of Insurance
Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.
- Certificate of Insurance: Review all the policy details available in the Visitors Care Insurance Certificate which is the detailed sample document of the master policy.
VisitorsCare Insurance PPO Network
IMG Visitors Care Insurance has NO PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan allows you to seek treatment with any provider such as doctor, clinic or hospital.
Visitors Care Insurance - Quote/Buy Online or Apply
Quote Apply & Buy Visitors Care plan instantly online, or print/complete the paper application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Visitors Care coverage online.
- Application Form: Complete, mail/fax the IMG Visitors Care Paper Application along with requisite premium payment.
VisitorsCare Plan Renew/Extend Coverage
The coverage can be extended or renewed for an unexpired policy certificate to a total maximum period of 24 months. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the policy coverage dates using IMG Visitors Care Plan Renew Online.
Visitors Care Insurance Client Dashboard
IMG Visitors Care client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Dashboard: Access the IMG Visitors Care coverage on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the IMG Visitors Care Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Visitors Care Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of Visitors Care plan.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid Visitors Care is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Visitors Care Insurance FAQ
Below are some of the questions frequently asked with the VisitorsCare insurance plan gathered over many years:
Who is eligible to purchase the Visitors Care policy?
Foreign nationals visiting the USA for short term up one year
The Visitors Care plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
I want a review of the Visitors Care policy?
Visitors Care Insurance Review
VisitorsCare Visitor Insurance policy plan review and highlights of coverage. IMG VisitorsCare Travel Insurance highlights are as follows:
- Eligibility: Short-term travel medical plan for individuals and families visiting USA and/or traveling outside America.
- Medical Maximum selections: $25,000, $50,000 or $100,000
- Deductible options from $0, $50 or $100
- Minimum purchase of 5 days renewable up to 24 months
- Acute-onset of Pre-existing Condition coverage
- Optional HeartCare Plus Rider for heart attack/stroke
- Emergency medical evacuation coverage available.
- Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits.
- Return of Mortal Remains/Incidental Home Country Coverage
- Immediate coverage available, print virtual ID cards instantly after purchase.
- Freedom to seek treatment with hospital or doctor of your choice
- Renew online to extend policy coverage dates up to 12 months.
- COVID-19: NO coverage for testing/treatment after March 11, 2020 (World Health Organization (WHO) declared the outbreak as a pandemic).
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.