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.
Acute onset of pre existing conditions
Fixed benefit plan
PPO network
Cheaper visitor insurance
Renewability
Limited coverage for medical expenses
Provider network and how to find hospital or doctor?
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 offers travel insurance with coverage for Covid19 as for any other illness. Img global has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
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:
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 »
Review and compare the best Visitors Care medical insurance quotes.
Compare Visitors Care insurance quotes »Lite |
Plus |
Platinum |
COVID-19/SARS-CoV-2 Coverage | ||
Visitors Care insurance Offers coverage for COVID-19/SARS-CoV-2 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 |
Lite |
Plus |
Platinum |
Physician visits | ||
$40 max per visit, 30 max visits per period of coverage | $60 max per visit, 30 max visits per period of coverage | Up to $85 max per visit, 30 max visits per period of coverage |
Urgent Care Clinic | ||
$40 max per visit/10 max visits | $60 max per visit/10 max visits | $85 max per visit/10 max visits |
Radiology / X-ray | ||
Up to $400 max per period of coverage ($200 per procedure) | Up to $450 max per period of coverage ($250 per procedure) | Up to $500 max per period of coverage ($500 per procedure) |
Outpatient Surgical Facility | ||
Up to $750 max per surgical session | Up to $900 max per surgical session | Up to $1k max per surgical session |
Physical Therapy | ||
Up to $40 max per visit per day, 12 max visits per period of coverage | Up to $40 max per visit per day, 12 max visits per period of coverage | Up to $40 max per visit per day, 12 max visits per period of coverage |
Pre-Admission Testing | ||
Up to $750 max per period of coverage | Up to $1,100 max per period of coverage | Up to $1,100 max per period of coverage |
Assistant Surgeon | ||
Up to $450 max per surgical session | Up to $825 max per surgical session | Up to $1,375 max per surgical session |
Anesthesia | ||
Up to $450 max per surgical session | Up to $825 max per surgical session | Up to $1,375 max per surgical session |
Prescription Drugs and Medications | ||
Up to $250 per period of coverage | Up to $250 per period of coverage | Up to $250 per period of coverage |
Lite |
Plus |
Platinum |
Emergency local ambulance | ||
Up to $250 max per period of coverage | Up to $450 max per period of coverage | Up to $475 max per period of coverage |
Hospital emergency room | ||
$200 max per visit | $330 max per visit | $550 max per visit |
Emergency dental treatment | Up to $550 max per period of coverage or unexpected pain to sound natural teeth |
Lite |
Plus |
Platinum |
Terrorism | ||
$50k maximum limit. Not subject to deductible | ||
Emergency medical evacuation | ||
Up to $25k max | Up to $50k max | Up to $50k max |
Return of mortal remains or cremation/burial | ||
$25k max with $5k max for Cremation/Burial | $25k max with $5k max for Cremation/Burial | $25k max with $5k max for Cremation/Burial |
Lite |
Plus |
Platinum |
Acute Onset of Pre-Existing Conditions Up to the maximum limit.(Insured person must be under 70 years of age) | ||
$25k max per coverage period (subject to sub-limits) | $50k max per coverage period (subject to sub-limits) | $1M max per coverage period (subject to sub-limits) |
Pre-Existing condition medical evacuation | ||
Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25k max per period of coverage |
Common carrier accidental death | $25k max per period of coverage |
Incidental Emergency in the U.S. | Insured person's country of residence is not the United States 14 day maximum |
Extended care facility | Covered under Hospital Room & Board (Upon direct transfer from an acute care hospital) |
Contact our customer service team, we are here to help you!
Frequently asked questions and answer about travel insurance plans.
Read more »Traveling in groups? Get coverage from IMG Patriot Group travel insurance!.
Need coverage for the IMG acute onset of pre-existing conditions insurance?
It is best suited for travelers expecting first-class medical coverage.
Provides coverage for for foreign residents as visitors to the USA.