Visitors Care Insurance

Cheap travel medical insurance for visiting the US.

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Visitors Care Travel Insurance for US Visitors

Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America.
When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Key benefits of Visitors Care Insurance

Acute onset of a pre-existing condition

Fixed benefit plan

Emergency medical evacuation

Urgent Care Clinic

Renewability

United Health Care PPO

Visitors Care Insurance Reviews,Visitor Health Insurance for USA

Policy maximum
$25k $50k $1M

Deductible options
$0 $50 $100 per period of coverage

Insurance provider
International Medical Group

Visitors Care Insurance Rating
AM Rating: A(Excellent)

Visitors Care Travel Medical Insurance Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ)

Period of Coverage
- 5 days to 2 years.

Visitors Care Insurance Renewal
Visitors Care Insurance can be renewed online to 2 years unless there is a break in coverage.

Visitors Care travel Insurance Links

Brochure
Benefits
Advantages
Disadvantages
Reviews
Claims
Renewal
Provider network
Fixed benefit plans
Fixed benefit plans
Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable.
Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Detailed Description
Detailed description links
View detailed description links of Visitors Care plans:

Visitors Care Lite

Visitors Care Plus

Visitors Care Platinum

Key Highlights of Visitors Care Medical Insurance

It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan
This plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25k up to $1M depending on the selected policy maximum
This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
The plan has a pre existing rider that provides coverage of $5k for ages of 0 – 69 years and provides coverage of $2,500 for travelers aged above 70 years
Limited coverage for medical expenses.

IMG Visitors Care health insurance summary, Health Insurance for foreign visitors

Visitors Care Eligibility

Non US citizens travelling outside their home country.
For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.

Visitors Care Travel Renewability

Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.

Visitors Care Insurance Special Coverage

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Incidental Home Country Coverage
During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
Common Carrier Accidental Death Coverage $25k.

Visitors Care insurance - PPO network

Visitors Care - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.

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Quotes for Visitors Care Health insurance!

Review and compare the best Visitors Care medical insurance quotes.

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Plan benefits of IMG Visitors Care Insurance

Lite	Plus	Platinum
COVID-19
Visitors Care insurance offers coverage for COVID-19 as any other Illness or Injury.
Hospital room and board
Up to $825 max per day 30 day max per period of coverage	Up to $1,400 max per day 30 day max per period of coverage	Up to $2k max per day 30 day max per period of coverage
Surgery
In-Patient & Outpatient - Up to $2k max per surgical session	In-Patient & Outpatient - Up to $3,300 max per surgical session	In-Patient & Outpatient - Up to $5,500 max per surgical session
Intensive care unit
Up to an additional $400 max per day, 8 day max per period of coverage	Up to an additional $660 max per day, 8 day max per period of coverage	Up to an additional $850 max per day, 8 day max per period of coverage

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray	Up to the maximum limit
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory	Up to the maximum limit
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
Pre-Admission Testing	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days)
Reconstructive Surgery	Up to the maximum limit
Chiropractic Care	Up to the maximum limit

Emergency local ambulance	Up to the maximum limit.
Hospital emergency room	Outside the U.S: Up to the maximum limit Inside the U.S:Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer	Company pays 100%
Emergency eye examination	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)

Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Emergency medical evacuation	Up to the maximum limit. Not subject to deductible
Emergency reunion	$100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children	$100k maximum limit. Not subject to deductible
Political evacuation and repatriation	$100k maximum limit. Not subject to deductible
Natural disaster evacuation	$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)

Natural disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Return travel	$10k maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death	$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft	$500 maximum limit. Not subject to deductible
Terrorism	$50k maximum limit. Not subject to deductible
Lost luggage	$50 per item, $500 maximum limit. Not subject to deductible

Acute Onset of Pre-Existing Conditions	Up to the maximum limit.(Insured person must be under 70 years of age)
Pre-Existing condition medical evacuation	$25k maximum limit for emergency medical evacuation

Accidental death & dismemberment	$50k principal sum. Not subject to deductible
Common carrier accidental death	$25k per insured child, $100K per insured adult, $250k maximum limit per family. Not subject to deductible

Extended care facility	Up to the maximum limit
Pet return	$1K maximum limit. Not subject to deductible
Durable medical equipment	Up to the maximum limit
Extended care facility	Up to the maximum limit
Personal liability	$25k combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property

Visitors Care Insurance Restrictions

Visitors Care is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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Visitors Care Insurance cost per month for Seniors

The cost of Visitors Care fixed benefit insurance for seniors is dependent on the following factors the age of the traveler, the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Visitors Care plan have three options Lite, Plus and Platinum have Price maximum $25K, $50K and $100K up to 79 years.$10,000 is available for people ages over 80.

For Example here we are showing price for one month with deductible of $100.

Age of traveler	Maximum of $10K	Maximum of $25K	Maximum of $50K	Maximum of $100K
60 - 69 years	Not Available	$36	$57	$78
70 - 79 years	Not Available	$60	$97	$142
80 - 99 years	$130	Not Available	Not Available	Not Available

Visitors Care health insurance for foreign visitors – FAQ’s

Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
For detailed working example of how it works, you can IMG visitors care insurance reviews working example

Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

Visitors Care is a fixed benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

The cost of Visitors Care health insurance depends on the age of the applicant, the chosen deductible, and the maximum limit. The deductible options are $0, $50, or $100. The maximum limit options are $25K, $50K, or $100K. You can get a quote for this plan on American Visitor Insurance.

Visitors Care health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.

No, Visitors Care visitor health insurance USA does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.

If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as Travel SE, Travel LX or Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.

Some of the exclusions of Visitors Care insurance are:

War, military action, terrorism, and related consequences.
Pre-existing conditions, defined as a medical or health condition (whether physical or mental, regardless of the cause of the condition) that existed before the policy effective date.
Preventative care, such as routine physical examinations and immunizations.
Vision care, such as eye examinations, eyeglasses, contact lenses, or eye surgery.
Dental care, except for dental injury or emergency dental treatment due to an accident.
Maternity care, abortion, birth control, or infertility treatment.
Mental health disorders, substance abuse, or suicide attempts.
Sports and recreational activities that are hazardous or extreme.

No, you do not need to use a network provider to get treatment under Visitors Care health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
Find Provider Network »

Visitors Care Claims Information

Download Visitors Care claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
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