IMG Visitor Insurance
IMG Visitors insurance protects one in the event of unexpected illness or injury while traveling outside the country. It is a great opportunity to travel internationally but at the same time to make our travel and stay in an outside country an enjoyable and memorable experience purchasing travel health insurance is very essential.
International Medical Group provides several travel medical insurance plans or visitor care insurance plans classified broadly into 2 kinds namely Fixed and Comprehensive. Let's learn about the Visitors Care Fixed plan of IMG in more detail.
IMG Visitors Care insurance is a very popular Fixed or scheduled benefits travel medical insurance plan by IMG which is affordable and economical and serves travellers who are Non US citizens traveling outside their home country or country of citizenship.
This plan does not have a co-insurance quotient like most other fixed travel insurance plans. Visitor care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
This plan has incidental home country coverage where an insured person during the period of coverage may return to his/her country for a cumulative period of 2 weeks total and retain continuing coverage subjected to conditions specified in the Visitors care brochure. When the traveller is subjected to medical expenses the plan will pay the Usual.
Reasonable and Customary (URC) charges up to the maximum limit specified in the Schedule of benefits in the Visitors Care brochure. If this plan is purchased for a minimum of 5 days, it can then be renewed for a total of up to 2 years. Here is an example showing how the plan pays for the expenses.
What is Visitors Care insurance?
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 cheapest 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. Visitor Care Insurance plan has three options:
- Visitors Care Lite: $25,000 policy maximum
- Visitors Care Plus: $50,000 policy maximum
- Visitors Care Platinum: $100,000 policy maximum
Traveler can get all the plan document and plan id card by using Visitors Care insurance login. At American Visitor Insurance, International travelers can contact the Visitors Care insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
IMG Visitors Care Insurance Reviews
What are the key highlights of Visitors Care insurance?
- It is an affordable plan for visitors visiting the US
- Acute onset of pre-existing condition covered up to policy maximum
- Coverage available from 5 days to 364 days, renewable up to 2 years
- Emergency medical evacuation covered up to policy maximum
- Limited coverage for medical expenses
- Urgent Care Clinic: $25 copay, waived with a $0 deductible
- 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
Who is eligible for Visitors care insurance plan?
- Temporary fixed coverage health insurance for non-U.S. residents visiting the USA
- Covers individuals aged 14 days to 99 years
- Visitors aged 65+ must begin coverage within 30 days of arriving in the US, unless they provide proof of prior valid international travel insurance
How much does Visitors Care insurance cost?
The Visitors Care cost per month is ranges between $30 to $143. This is dependent on the factors namely age of the traveler, length of insurance coverage, plan limit 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. Travelers can choose maximum limits of $25,000, $50,000 & $100,000 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 $25,000 | Maximum $50,000 | Maximum $100,000 |
|---|---|---|---|
| 18 - 29 years | $18 | $28 | $38 |
| 30 - 39 years | $20 | $32 | $42 |
| 40 - 49 years | $21 | $33 | $45 |
| 50 - 59 years | $30 | $46 | $64 |
| 60 - 69 years | $36 | $57 | $78 |
| 70 - 79 years | $60 | $97 | $142 |
For senior travelers aged 80 to 99, the cost is $143 with a maximum coverage of $10,000 and a deductible of $100.
What optional benefits are included in Visitors Care Insurance?
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: Up to $25,000
What is the Visitors Care Insurance PPO network?
IMG maintains when inside the U.S., the United HealthCare IMG which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Visitors Care healthcare insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Visitors Care PPO network »Advantages and Disadvantages of Visitors Care insurance
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Visitors Care Insurance Advantages
- Cheaper Plan.
- $25,000 coverage, suitable for travelers looking for less coverage.
- Can be renewed up to two years.
- Deductible per period of coverage.
- Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.
- Part of a PPO network available.
- Only plan that offers extended care facility (Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)
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Visitors Care Insurance Disadvantages
- It is a fixed benefit plan.
- This plan is available only for non-Us citizens traveling outside their home country.
- Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US.
- Only $10,000 coverage for 80+ travelers.
What are the restrictions of Visitors Care Insurance?
IMG visitor insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
IMG Visitors Care insurance
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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.
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 »
Yes, Visitors Care insurance can be canceled, but the eligibility for a refund depends on the terms of the policy and the time of cancellation.
- Before effective date: Full refund of premium is available.
- After effective date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
IMG Resourceful links of Visitors Care Travel Health Insurance
Visitors Care Insurance FAQ
Frequently asked questions and answer about travel insurance plans.
Read more »Visitors Care insurance forum
Customer queries about Visitors Care insurance plan.
Read more »Visitors Care insurance blog
Blog about cheap travel health insurance from IMG.
Read more »IMG trip cancellation
Compare and review benefits of IMG trip plans.
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