IMG Visitors Protect Pre-existing Conditions Plan
Visitors Protect Insurance is a comprehensive travel medical insurance plan for visitors to the USA or traveling outside their home country, purchase affordable coverage from 90 days up to 365 days, coverage is not extendable and must be purchased prior to departing your home country.
COVID-19 / SARS-CoV-2 / Coronavirus: COVID-19 is covered under the Visitors Protect Insurance plan. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) in March 2020.
Visitors Protect Insurance is a comprehensive travel medical insurance plan for visitors to the USA or traveling outside their home country, purchase affordable coverage from 90 days up to 365 days, coverage is not extendable and must be purchased prior to departing your home country to United States, Canada, and/or Mexico. Visitors Protect policy includes temporary medical insurance includes coverage for pre-existing conditions, and offers international travelers to the United States the enjoy the experience and worry about their healthcare costs.
Visitors Protect Coverage is suited for non-US citizens visiting the USA or for intl. travel outside home country. Visitors Protect travel medical insurance plan is a broad package available in different levels based on deductibles and maximum coverage options. Coverage is not extendable and policy must be purchased before departing your home country for travel.
Visitors Protect Plan is designed to provide comprehensive medical coverage for visitors traveling abroad, offering protection against various health-related issues during their stay in a foreign country. In addition to limited coverage for pre-existing conditions, this IMG policy offers benefits such as medical coverage for accidents and illnesses, emergency medical evacuation, trip interruption, and baggage loss or delay coverage.
- Quote and Buy Visitors Protect Insurance online
- Review the Visitors Protect Insurance Brochure
- Review the Visitors Protect Insurance Certificate
IMG Visitors Protect Insurance plan is administered by International Medical Group, Inc. (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
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Visitors Protect Insurance Review
Pre-ex Condition Plan for Visitors to USA
Notes: Affordable comprehensive travel medical insurance plan for visitors to the USA, or travel outside home country to USA, Canada, and/or Mexico, includes coverage for pre-existing conditions and Covid-19, and must be purchased before departing home country for travel.
Eligibility: Any foreign resident individuals and/or family, with ages 14 days to 99 years, and visiting the USA or traveling outside their home country. The plan is available for both foreign nationals and expat US citizens visiting the U.S.
Coverage Duration: Minimum of 90 days to maximum of 1 year (365 days)
Amounts:
- Member maximum limits: Through age 69 years: $50K, $100K, or $250K, ages 70 and older: $50K
- Choice of deductible: $0 to $5000
- Coinsurance: 75% in-network and 60% out-of-network
- AD&D benefit: $25K (included), additional to $1 million
Pre-Existing Conditions:
Deductible: $1,500 per injury or illness (plan deductible waived)
Maximum limit: through age 69: $25,000, ages 70 and older: $20,000
PPO Network: UnitedHealthcare Options Preferred Provider Organization (PPO) network within the United States, consult any doctor or hospital for medical care.
Renew or Extend: Policy is NOT renewable or extendable,.
Other Highlights
- Foreign residents visiting the USA
- Anyone traveling outside home country
- United States, Canada, and/or Mexico
- Comprehensive sickness/injury plan for visitors
- Limited coverage to pre-existing conditions
- Quote & purchase online for single trip
- Optional riders to policy available
- Purchase before travel while in home country
Visitors Protect Insurance Highlights
- Travel medical plan for USA visitors or travelers to Canada/Mexico
- Affordable coverage for individuals and their dependent families
- Purchase prior to departing to home country
- Maximum limit choices of 50K, 100K or 250K USD
- Maximum limit choice is lowered for ages over 70 years
- Choice of deductible options between $0 and $5000
- Coinsurance: 75% in-network and 60% out-of-network
- Coverage for pre-existing medical conditions
- Coverage for emergency medical evacuations
- Repatriation of mortal remains to home country included
- Minimum purchase of 90 days renewable up to 12 months
- Cannot extend or renew policy, purchase for duration travel
- PPO network to seek treatment with doctor/hospital/provider in-network
- Access policy certificate on the Client Dashboard online
Visitors Protect Insurance Suits
- Relatives/Parents visiting USA, Canada, Mexico from India, China, etc.
- Travelers, tourists or vacationers seeking affordable pre-ex condition coverage
- New immigrants needing interim pre-ex condition coverage
- Employees in business and/or corporate travelers visiting North America
- Foreigner seeking affordable coverage in USA, Canada, Mexico and outside home country
Visitors Protect Insurance Information
IMG Visitors Protect Insurance plan could be a specific insurance policy offered by IMG designed to provide coverage for individuals visiting a foreign country such as USA, Canada or Mexico. This plan specifically covers pre-existing conditions and also typically offer benefits such as medical coverage for accidents and illnesses, emergency medical evacuation, trip interruption, and baggage loss or delay coverage. The VisitorsProtect 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 comprehensive coverage as detailed in the plan brochure. The Visitors Protect 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 affordable plan at reasonable premiums.
- Affordable travel medical coverage
- Coverage for individuals and dependents
- Pre-existing conditions covered per limits
- Coverage for Emergency Medical Evacuations
- Return of Mortal Remains or Cremation/Burial
- Wide PPO Network for hospital or doctor of your choice
- Coverage outside home country of residence
- 24 hour secure access from anywhere in the world
- Coverage limits and premium costs balanced
Visitors Protect Insurance Plan Overview
IMG Visitors Protect Plan is short-term comprehensive plan with coverage for pre-existing medical conditions as listed in the plan brochure summary of benefits. The plan is designed for foreign nations visiting the U.S. and also offers visitors to Canada/Mexico who need temporary medical insurance as visitors to North America, or while traveling for business or pleasure anywhere outside of their home country. Plan is suitable for relatives/parents visiting USA from any foreign destination country.
- Eligibility: Foreigners as visitors to USA, Canada and/or Mexico, for international travel outside home country of residence.
- Policy Maximum: Plan offers maximum coverage from US$50,000 or US$100,000, or US$250,000. For travelers over 70, the maximum coverage is US$50,000 only.
- Plan Deductible: Choice of US$0, US$50, US$100, US$250, US$500, US$1000, US$2500, or US$5000.
- USA PPO Network: Wide PPO network, find treatment at any doctor, clinic or hospital in the UnitedHealthCare Options PPO with the United States. In-network, the plans covers 75% of eligible medical expenses, and out-of-network, the plan only covers 60% of these expenses.
- Duration: Minimum period of 90 days to initial maximum period up to 365 days (1 year), NOT renewable, purchase prior to home country departure.
- Pre-Existing Conditions: Pre-existing condition coverage with the plan, deductible of $1,500 per injury or illness (plan deductible waived) and maximum limit this coverage through age 69 is $25,000, ages 70 and older it is $20,000.
- Medical Coverage Benefits: Coverage for medical expenses related to illness or injury incurred during the visit, including doctor visits, hospitalization, prescription drugs, and emergency medical evacuation.
- Other 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.
- Emergency Services: Access to emergency assistance services, including 24/7 support for medical emergencies, travel assistance, and coordination of medical care.
- Trip Interruption/Cancellation: Reimbursement for prepaid and non-refundable trip expenses in case of trip cancellation or interruption due to covered reasons, such as illness, injury, or other unforeseen events.
- Accidental Death & Dismemberment: Coverage for accidental death or permanent disability resulting from covered accidents during the visit.
- Travel Assistance: Assistance services for travel-related issues, such as lost luggage assistance, emergency cash transfer, and legal assistance.
- Optional Add-Ons: Additional optional coverage options may be available, such as coverage for hazardous activities, sports, or pre-existing medical conditions.
- Administrator: Plan is administered by International Medical Group Inc (IMG).
- Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation.
Visitors Protect Plan Details
Review the IMG Visitors Protect Insurance for additional information on the plan options as below:
| Plan Name | Visitors Protect |
| Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Visitors Protect Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Visitors Protect Insurance Brochure |
| Renew Coverage Online | VisitorsProtect Insurance CANNOT be renewed or coverage can be purchased in home country prior to departure. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure with a legal visa status, or Foreign national or US citizen traveling to America, Canada or Mexico and outside home country. International travelers to North America. Note: US citizens living abroad (expats) and visiting the United States are 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 | North America (United States, Canada and Mexico), excluding Home Country. |
| Coverage Period or Plan Duration | Coverage period minimum length of 90 days (about 3 months) to maximum of 365 days (12 months). Plan is NOT renewable or extendable. |
| 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 69 years: Maximum coverage choices include: $50,000, $100,000, and Plan C $250,000 Age 70 years of age and older: Maximum coverage limited: $50,000 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 | Choice of US$0, US$50, US$100, US$250, US$500, US$1000, US$2500, or US$5000. Note: The deductible is not a co-pay and is accumulated for the plan life. Only one deductible per insured member must be satisfied during twelve (12) months of continuous coverage. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Preferred Provider PPO Network | Seek care with the IMG PPO Network which uses UnitedHealthcare Options PPO for co-insurance savings, however you are free to go to any doctor, clinic, or hospital of your choice. Note: Find a doctor/hospital in the IMG PPO Network to find healthcare service providers in your zip area Access care at any doctor or hospital, co-insurance savings apply when care is sought inside the PPO network. |
| Precertification | Interfacility ambulance transfer: no coverage if precertification requirements are not met. Emergency Medical evacuation: no coverage if not approved by the company. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage. All other treatments & supplies: 50% reduction of eligible medical expenses if precertification requirements are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Refer to the PRECERTIFICATION REQUIREMENTS provision for a complete list of services that require precertification. |
| Pre-existing Conditions | Deductible: $1,500 per injury or illness (plan deductible waived) Maximum limit through age 69: $25,000 Maximum limit ages 70 and older: $20,00. |
| Inpatient or Outpatient Services [Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Limits per period of coverage unless stated as maximum limit] |
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| Hospital Ancillary Services | Maximum limit: $40,000 Includes laboratory, x-rays, drugs, and miscellaneous services. |
| Outpatient Surgical/Hospital Facility, Laboratory, Radiology/X-ray, Pre-Admission Testing/Durable Medical Equipment/Outpatient Prescription Drugs
|
United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% |
| Surgery / Reconstructive Surgery | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Reconstructive Surgery (Surgery is incidental to and follows surgery that was covered under the plan). |
| Assistant Surgeon | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: 20% of the primary surgeon’s eligible fee. |
| Anesthesia | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% |
| Chiropractic Care | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Medical order or treatment plan required. |
| Physical Therapy | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Inpatient and outpatient. Medical order or treatment plan required. |
| Extended Care Facility | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Upon direct transfer from an acute care facility. |
| Home Nursing Care | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Provided by a home health care agency Upon direct transfer from an acute care facility |
| Emergency Services [NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Limits per period of coverage unless stated as maximum limit] |
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| Accidental Death & Dismemberment | Accidental Death: 100% of Principal Sum Dismemberment: Accidental Loss / Sight of one eye: 50% Percent of Principal Sum. One hand or one foot / One hand and the loss of sight of one eye / One foot and the loss of sight of one eye / One hand and one foot / Both hands or both feet / Sight of both eyes: 100% Percent of Principal Sum. Note: Principal sum maximum limit: $25,000 Death must occur within 90 days of the accident |
| Dental Treatment | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 75% Note: Subject to deductible and coinsurance Limit: $300 (Unexpected pain or treatment due to an accident). |
| Traumatic Dental Injury | United States (In-Network), Canada, Mexico: 75% / United States (Out-of-Network): 60% Note: Subject to deductible and coinsurance. Treatment at a hospital due to an accident. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. |
| 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$50.00 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 | VisitorsProtect 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 Protect Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Visitors Protect 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 Protect - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Visitors Protect Plan Brochure for plan information.
Visitors Protect - 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 Protect Insurance Certificate which is the detailed sample document of the master policy.
VisitorsProtect Insurance PPO Network
IMG Visitors Protect Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network or the UnitedHealthCare PPO network (depending on home country) for doctors, caregivers and providers.
IMG Visitors Protect Insurance has a wide 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, but it saves you in co-insurance costs if you find a provider within the PPO network. In-network, the Visitors Protect plan covers 75% of eligible medical expenses and out-of-network, the plan covers 60% only.
Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.
Visitors Care Insurance - Quote/Buy Online or Apply
Quote Apply & Buy Visitors Protect plan instantly online, complete the online application along with requisite premium payment.
- Quote/Buy Online: Get instant quote & Buy Visitors Protect coverage online.
VisitorsProtect Plan Renew/Extend Coverage
The Visitors Protect coverage cannot extended or renewed and must be purchased for the required duration of 90 days to 1 years prior to departure from home country.
Visitors Protect Insurance Client Dashboard
IMG Visitors Protect 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 Protect Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of Visitors Protect 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 Protect is fully refunded without any cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator. However, partial refunds are available if requested in writing (written email request) and plan is refundable on a pro-rated basis only if no claims are made under the policy. A $50 cancellation fee also applies.
Visitors Protect Insurance FAQ
Below are some of the questions frequently asked with the VisitorsCare insurance plan gathered over many years:
What is the Visitors Protect plan?
Affordable medical plan for foreign nationals visiting North America for up one year
The Visitors Protect plan is a comprehensive temporary medical coverage offering affordable premiums for foreign nationals who are visiting North America for up to 1 year. The plan is suited for individuals and/or families of any ages up to 99 years who are visiting the United States, Canada, and/or Mexico. Relatives or parents visiting the US. can purchase this policy as it offers limited coverage for pre-ex conditions also.
Who is eligible to purchase the Visitors Protect policy?
Affordable coverage for foreign nationals visiting the USA/Canada/Mexico for up one year
The Visitors Protect plan is a comprehensive temporary medical coverage and is available for foreign nationals who are visiting North America (United States, Canada, Mexico) for a minimum duration of 90 days and a maximum person of up to 1 year (365 days). Individuals and/or families of any ages 14 days to 99 years who are visiting the United States can purchase the policy. The plan is also available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
Are pre-existing conditions covered under the Visitors Protect policy?
Visitors Protects plan offers Limited Pre-Existing Condition Coverage
IMG Visitors Protect Insurance plan offers limited pre-existing coverage to travelers and visitors to North America. The maximum coverage limit through age 69 is $25,000 and ages 70 and older is $20,000. The pre-existing condition deductible is $1,500 per illness/injury (the overall plan deductible is waived).
How to make a claim with the Visitors Protect Insurance?
Visitors Protect Insurance Claims
The Visitors Protect Insurance policy plan claims procedures are as follows:
The IMG claim form must be completed, signed to attest the veracity of the claim, and submitted for review . You can download the IMG claim form online. You must also submit proof of claim which must include the following:
- Completed and signed claim forms for each new illness/disease/diagnosis.
- All original billing forms and statements of services rendered from doctors, clinics, hospitals, and other healthcare providers.
- All original receipts for medical expenses, prescription medications, and other fees incurred or paid by the insured.
The insured person will have 180 days (about 6 months) from the date of claim is incurred to submit complete proof of claim. The company may ask the insured individual to sign an authorization to release medical information to request medical records. The insured individual will have 60 days (about 2 months) to submit the requested information. The company will review all the submitted documents and then proceed with reimbursement on a timely manner.
Claims filing address:
International Medical Group, Attn: Claims Department
PO Box 9162, Farmington Hills, MI 48333-9162, USA
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.