Visitors Care Plus Insurance

Cheap travel medical insurance for visiting the US.
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📌 Visitors Care Plus Travel Insurance for US Visitors

Ideal for international visitors to the U.S., Starting at just $1/day

Visitors Care Plus Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America.

Key Features:
  • Coverage from 5 days to 2 years
  • It offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
  • Visitors Care Plus offers up to $50,000 coverage for ages 0–79 and $10,000 for ages 80+
  • Access to ID card and documents online after purchase
  • 24/7 customer service and support available

At American visitor insurance, US Travelers can contact the Visitors Care Plus customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

⭐ Visitors Care Plus Insurance Reviews

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Insurance provider
International Medical Group
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Rating
AM Rating: A(Excellent)
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Period of Coverage
5 days to 2 years.
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Maximum limits
$50,000
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Underwriter
SiriusPoint Specialty Insurance Corporation
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Renewal
2 years unless there is a break in coverage.
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Deductible options
$0, $50, $100

🧾 How Much is Visitors Plus Travel Insurance Coverage?

The policy maximum amount of coverage is the total dollar amount of benefits available under the Visitors Care plan. Once the maximum is reached, no additional benefits will be paid.

  • $50,000.

📉 What is a Deductible in Visitors Care Plus Insurance?

The deductible is the amount the insured must pay before Visitors Care Plus insurance starts to cover expenses.

Visitors Care Plus insurance has deductible options of : $0, $50, $100.

❓ Visitors Care Plus Benefits - Key Highlights

  • 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
  • This Plan offers a policy maximum of $50,000 for those up to 79 years of age, and a $10,000 policy maximum for those 80 years of age and older.
  • Limited coverage for medical expenses.
  • Offers coverage for COVID-19 as any other Illness or Injury.

👤 Who is Eligible for Visitors Care Plus Insurance Plan?

  • 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.

♻️ Can the Visitors Care Plus Insurance be Extended or Renewed?

  • 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.

💰 How Much Does Visitors Care Plus Insurance Cost?

The Visitors Care Plus insurance cost per month is starting at just $28 to $97 per month, based on:

  • Traveler’s age
  • Selected policy maximum
  • Deductible amount

Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.

  • Ages 0–79: $25,000, $50,000 & $100,000
  • Ages 80: $10,000

Example: Below is the monthly cost of Visitors Care Plus insurance of coverage with a $100 deductible, provided by American Visitor Insurance.

Age of traveler Medical Maximum
$50,000
18 - 29 years $28
30 - 39 years $32
40 - 49 years $33
50 - 59 years $46
60 - 69 years $57
70 - 79 years $97

For senior travelers aged 80 to 99, the cost is: $143/month with a maximum coverage of $10,000 and a deductible of $100.

✅ What Are the Benefits of IMG Visitors Care Plus Insurance?

  • Hospital room and board Up to $1,450 max per day 30 day max per period of coverage
    Surgery In-Patient & Outpatient - Up to $3,300 max per surgical session
    Intensive care unit Up to an additional $660 max per day, 8 day max per period of coverage
  • Pre-Certification Up to $1,400 max per day 30 day max per period of coverage
    Physician visits Up to $70 per visit 10 visit max.
    Urgent Care Clinic $70 max per visit/10 visits max
    Walk-In Clinic $70 max per visit/10 visits max
    Diagnostic Laboratory and Radiology Up to $450 max per period of coverage ($250 per procedure)
    Outpatient Surgical/Hospital Facility Up to $900 max per surgical session
    Chemotherapy / Radiation Therapy $1,100 max per visit
    Physical Therapy Up to $40 max per visit per day, 12 max visits per period of coverage
    Pre-Admission Testing Up to $1.1k max per period of coverage
    Assistant Surgeon Up to $825 max per surgical session
    Anesthesia Up to $825 max per surgical session
    Prescription Up to $150 per period of coverage
    Reconstructive Surgery Covered
  • Emergency local ambulance Up to $450 max per period of coverage
    Hospital emergency room $375 max per visit
    Dental Accident Up to $550 max per period of coverage
    Emergency medical evacuation Up to $25,000 max
    Return of mortal remains or cremation/burial $25,000 max with $5,000 max for cremation/burial
    Terrorism $50,000 max per period of coverage
    Incidental Trip 14 day maximum
    Common carrier accidental death $25,000 max per coverage period
  • Acute Onset of Pre-Existing Conditions $50,000 max per coverage period
    Pre-Existing condition medical evacuation $25,000 max per period of coverage
  • Durable medical equipment $1k max per period of coverage

🏥 What Are the Visitors Care Plus Insurance – PPO Network?

A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.

United Healthcare Provider Network

Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.

First Healthcare Provider Network

Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.

💡 Tip: If your Visitors Care Plus insurance card has a UnitedHealthcare logo, inform your provider: "My healthcare coverage uses the United Healthcare travel health insurance network."

Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.

local_hospital Find PPO Network Providers »

❓ Visitors Care Plus Health Insurance for Foreign Visitors – FAQ’s

1. How does Visitors Care Plus Insurance work?

Visitors Care Plus Insurance offers fixed benefit coverage for medical expenses. Visitors Care Plus 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 Plus Insurance reviews working example

2. How can a visitor use Visitors Care Plus Insurance in case of emergency in USA?

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

3. Which is the most affordable plan offered by International medical group?

Visitors Care Plus 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.

4. Does IMG sell Cancel for Any Reason Insurance?

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

5. What is the acute onset of pre-existing conditions coverage of Visitors Care Plus health insurance?

Visitors Care Plus 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.

6. Does IMG Visitors Care Plus Insurance covers trip cancellation?

No, Visitors Care Plus 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 iTravelInsured Travel SE, iTravelInsured Travel LX or iTravelInsured Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.

7. What are the exclusions of Visitors Care Plus Insurance?

Some of the exclusions of Visitors Care Plus 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.
8. Do I need to use a network provider to get treatment under Visitors Care Plus health insurance?

No, you do not need to use a network provider to get treatment under Visitors Care Plus 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 »

📝 How Do I File a Claim with Visitors Care Plus Insurance?

To file a claim with Visitors Care Plus Insurance, follow these steps:

📄

Download Form
Get claim form online

📞

Call Support
1-800-628-4664

✉️

Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

📧

Email Help
customercare@imglobal.com

🚫 What Are the Restrictions of Visitors Care Plus Insurance?

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

❓Do You Have questions?

Our support team is ready to assist you.

🔗 Resourceful Links for Visitors Care Plus Travel Insurance

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IMG popular travel insurance plan with pre-existing coverage.

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Customer queries about Visitors Care Plus insurance plan

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FAQ

Frequently asked questions and answer about travel insurance.

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🛡️IMG Travel Insurance Related Coverage

Visitors Care Lite insurance

Period of coverage is available up to $25,000 per illness/injury

Why buy? Emergency local ambulance is covered up to $250.
Visitors Care Platinum insurance

Period of coverage is available up to $100,000 per illness/injury.

Why buy? Emergency local ambulance is covered up to $475.

⚖️ Compare Quotes of Visitors Care Plus Insurance Plan with Other Plans

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