IMG Visitors Protect Insurance for Pre-Existing Conditions

Visitors Protect Travel Insurance for Pre-Existing Conditions

The best and most popular travel insurance for visitors to USA with pre-existing condition coverage - available up to 99 years of age.

Visitors Protect from International Medical Group (IMG) is one of the most trusted and comprehensive travel medical insurance plans for visitors traveling to the USA, Canada, and Mexico, especially those with pre-existing medical conditions. It is among the few plans that offer true coverage for pre-existing conditions, rather than limiting benefits to acute onset only, including coverage for cardiac-related events.

With access to the UnitedHealthcare PPO network, flexible coverage options, and availability up to age 99, Visitors Protect provides broader and more reliable protection for ongoing health conditions as well as new medical emergencies. The plan requires a minimum purchase of 90 days, making it well-suited for long-term visitors. This makes it an ideal choice for elderly parents, senior travelers, and anyone managing chronic conditions who needs dependable medical coverage and financial security during their stay.

Why Choose Visitors Protect for Pre-Existing Conditions?

Visitors Protect from International Medical Group (IMG) is one of the most popular travel insurance for visitors to the USA with pre-existing conditions. Unlike many plans that exclude such conditions or limit coverage to acute onset only, Visitors Protect offers coverage for pre-existing conditions up to age 99, making it a strong choice for seniors and travelers managing chronic health issues.

Here’s why it stands out:

1. Coverage up to age 99: Most plans restrict pre-existing condition benefits at lower ages, but Visitors Protect extends eligibility up to 99 years ideal for elderly parents and senior travelers.
2. Specialized coverage for pre-existing conditions: Provides coverage of up to $25,000 per injury or illness for travelers aged 69 and below, and up to $20,000 for those aged 70 and above, with a separate $1,500 deductible offering clearly defined and reliable protection for pre-existing conditions.
3. Comprehensive medical protection: In addition to pre-existing conditions, the plan covers new illnesses and injuries up to the selected policy maximum ($50,000, $100,000, or $250,000), offering complete protection under one plan.
4. Access to a large PPO network: Includes the UnitedHealthcare PPO and First Health networks, allowing access to a wide range of hospitals and doctors with direct billing options. In-network care reduces out-of-pocket costs with favorable coinsurance.
5. Ideal for long stays (3–12 months): With a minimum purchase of 90 days and coverage up to 12 months, it is well-suited for parents and visitors planning extended stays in the USA.
6. 24/7 global assistance: Backed by IMG’s round-the-clock support team, providing help with medical emergencies, hospital coordination, and travel assistance anytime.
7. Strong and reliable provider: Underwritten by SiriusPoint Specialty Insurance Corporation and rated A (Excellent) by AM Best, the plan offers strong financial backing along with reliable claims handling and customer support.

How Does Visitors Protect Cover Pre-Existing Conditions?

Visitors Protect provides pre-existing condition coverage under the following terms:

1. Pre-existing condition deductible:
   Visitors Protect applies a $1,500 deductible per injury or illness specifically for pre-existing condition claims. This means you must pay the first $1,500 before the plan begins to pay. Importantly, the standard plan deductible is waived for these claims, so only the pre-existing condition deductible applies.
2. Pre-existing condition Maximum coverage (ages up to 69):
   For travelers aged 69 and below, the plan covers up to $25,000 per injury or illness related to a pre-existing condition, helping manage costs for treatments, hospitalization, and related care.
3. Pre-existing condition Maximum coverage (ages 70 and above):
   For travelers aged 70 and above, coverage is available up to $20,000 per injury or illness, offering meaningful protection for seniors managing chronic health conditions.
4. Maximum eligible age:
   The plan is available for travelers up to age 99, making it one of the few options suitable for elderly parents and senior visitors.
5. Coverage area:
   Coverage is valid in the USA, Canada, and Mexico, ensuring protection across major North American destinations.
6. PPO network access:
   Visitors Protect provides access to the UnitedHealthcare PPO network and First Health network, allowing you to visit a wide range of doctors and hospitals with direct billing options, reducing out-of-pocket expenses at the time of treatment.
7. Out-of-network coinsurance:
   If you choose a provider outside the PPO network, the plan pays 60% of eligible expenses, and you are responsible for the remaining 40%. Using in-network providers is recommended to reduce your share of costs.

What Pre-Existing Conditions Does Visitors Protect Cover?

Visitors Protect travel insurance provides coverage for a wide range of pre-existing medical conditions for travelers up to 99 years. Some of the most common pre-existing conditions covered under the plan include:

• Heart Conditions:
  Visitors Protect covers heart attacks, cardiac emergencies, and other heart-related conditions as part of its full pre-existing condition coverage for travelers up to 99 years. Eligible treatment related to pre-existing heart conditions is included subject to the $1,500 deductible and plan limits.
• Diabetes:
  Visitors Protect provides coverage for diabetes-related medical emergencies including sudden complications, hospitalization, and emergency treatment for travelers up to 99 years. Routine management of diabetes is not covered only unexpected medical situations requiring emergency care.
• High Blood Pressure / Hypertension:
  Sudden flare-ups or complications related to hypertension requiring emergency medical treatment are covered under Visitors Protect for travelers up to 99 years, subject to the pre-existing condition deductible and plan limits.
• Asthma:
  Visitors Protect covers emergency medical treatment for asthma attacks and breathing complications for travelers with pre-existing asthma up to 99 years, subject to the plan's pre-existing condition terms.
• Arthritis:
  Emergency treatment for arthritis flare-ups and related joint complications is covered under Visitors Protect for travelers up to 99 years, subject to the $1,500 deductible and plan maximum.
• High Cholesterol:
  Medical emergencies arising from or related to high cholesterol are covered under Visitors Protect's pre-existing condition benefits for travelers up to 99 years.
• Other Chronic Conditions:
  Visitors Protect covers a broad range of other pre-existing chronic conditions including COPD, kidney conditions, thyroid disorders, and more subject to the plan's pre-existing condition deductible and maximum limits.

How Much Does Visitors Protect Pre-Existing Condition Insurance Cost?

The cost of Visitors Protect travel insurance with pre-existing condition coverage ranges from $449 to $2,947 for a 3-month period depending on age, policy maximum, and deductible selected. The table below shows sample costs for a 3-month period with a $500 deductible:

Who is Eligible for Visitors Protect Pre-Existing Condition Coverage?

Visitors Protect pre-existing condition travel insurance is available for the following travelers:

• Individuals and families traveling from their home country to the USA, Canada, and Mexico
• Travelers aged 14 days to 99 years
• US citizens living abroad visiting the USA who have resided outside the US continuously for the past 6 months and have a current health plan in force
• Green Card holders who reside outside the USA
• Travelers who have not established permanent residency in the destination country

What Does Visitors Protect Pre-Existing Condition Insurance Cover?

In addition to pre-existing condition coverage, Visitors Protect offers comprehensive protection for a wide range of medical expenses, including:

How Long Can I Buy Visitors Protect Pre-Existing Condition Travel Insurance?

Visitors Protect is available from a minimum of 90 days up to a maximum of 12 months. The plan cannot be renewed travelers who wish to extend their stay beyond 12 months must repurchase the plan from outside the USA, Canada, and Mexico.

This makes Visitors Protect an ideal plan for:

• Parents visiting their children in the USA for 3 to 6 months.
• Elderly travelers on extended USA visits needing pre-existing condition coverage
• Travelers with chronic health conditions visiting the USA for medical consultations

How Is Visitors Protect Different from Other Visitor Insurance Plans?

With so many visitor insurance plans available for travelers to the USA, understanding what makes Visitors Protect truly stand out is important before making a purchase decision. The key difference lies in how Visitors Protect treats pre-existing conditions compared to most other visitor insurance plans in the market. This makes it one of the most popular and trusted choices for travelers with chronic health conditions visiting the USA, Canada, and Mexico.

Visitors Protect Pre-Existing Conditions - FAQs