Visitors Protect Travel Insurance

Best pre-existing conditions travel insurance for U.S., Canada, and Mexico

Visitors Protect insurance cost

Age & Citizenship
Destinations
Start Date
End date

Visitors Protect Pre-existing Conditions Travel Insurance

IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years, so you can spend more time enjoying your international experience not worrying about your medical coverage.This plan can be available from 90 days to 12 months.

on the Effecive Date, must have legally departed the Country of Residence and legally entered the primary destination of the United States on an eligible nonimmigrant visa or similar arrangements. Green card holders and lawful permanent residents are not eligible for this coverage

Key benefits of Visitors Protect Insurance

Pre-existing conditions

Comprehensive plan

Care Clix consultation benefit

PPO network

Offers coverage 90 days to 12 months

Visiting to the U.S., Canada, and Mexico

Visitors Protect Insurance Reviews, Health care for visitors to USA

Policy maximum
  • Age 0-69 years : $50k $100k or $250k
  • Age 70+ : $50k
Deductible options
$250 $500 $1,000 $2,500 or $5,000
Insurance provider
International Medical Group
Visitors Protect rating
AM Rating : A-
Visitors Protect insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation White Mountains Insurance Group Company.
Plan life - 90 days up to 12 months.
Visitors Protect Insurance can be renewed online
Coinsurance
Visitors Protect In Network
The plan pays 75% of the cost for eligible expenses in the United States
75%
Visitors Protect Out of Network
60%

The plan pays 60% in addition to the deductible.

Visitors Protect Visitor Insurance Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Comprehensive
  • Description

Visitors Protect Insurance – Coverage for Pre-existing Conditions

  • The plan offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived).
  • Maximum limit through age 69: $25,000
  • Maximum limit ages 70 and older: $20,000
Key Highlights of Visitors Care

Visitors Protect travel Insurance - Key Highlights

  • Limited pre-existing condition coverage.
  • It is a comprehensive benefit insurance plan.
  • The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
  • COVID-19 is covered and treated as any other sickness.
  • Deductible options from $250 to $5,000.
  • Maximum limits from $50,000 to $250,000
  • Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
  • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.
  • Green card holders and lawful permanent residents are not eligible for this coverage.
  • Repurchases of this plan must be made while outside the destination Country.

IMG Visitors Protect health insurance summary


Visitors Protect insurance Eligibility
  • Availble for visitors traveling from their home country to the U.S., Canada, and Mexico
  • Travel medical insurance for individuals, families.
  • Travelers from age 14 days to 99 years.
  • Coverage from 90 days to 12 months.
  • This plan must be initially purchased prior to departing the Country of Residence
  • Repurchases of this plan within twelve (12) months from the initial purchase must be made while outside the United States, Canada, and Mexico
  • Not have established a permanent residency in the Destination Country

Visitors Protect Insurance International Emergency Care
  • Emergency Evacuation: - $25,000
  • Return of Mortal Remains or Cremation/Burial
    $25,000 and Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.

Visitors Protect Travel Insurance Cancellation
  • $50 cancellation fee will be charged by the insurance company after effective date. Only full month premium will be considered for refund.

Visitors Protect Insurance coinsurance

In addition to deductible, the plan pays 75% of the cost for eligible expenses in the United States(within the network), Canada and Mexico. For the eligible expenses incurred in the United States(Out of Network), the plan pays 60% in addition to the deductible.

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Visitors Protect travel health insurance for foreign visitors - Common Questions

01.  What is Visitors Protect insurance work?

Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions..
Purchase must be done before departing the country of residence if your destination is the U.S.

02. How to buy Visitors Protect travel medical insurance?

Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.

03. How can a visitor use Visitors Protect insurance in case of emergency in USA?

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

04. Does Visitors Protect insurance covers Pre-existing conditions?

Yes. Visitor Protect travel medical insurance covers temporary medical coverage with pre-existing conditions up to 99 years with deductible of $1,500 per injury or illness. For ages up to 69 years this plan covers up to $25,000 and for ages 70 and above it covers up to $20,000.

05. How much does Visitors Protect insurance cost per month in USA?

The cost of Visitors Protect visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The 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 $50k, $100k or $250k up to age 69 years, for ages 70 and above it covers up to $50k depending on the age of traveler.To get a quote Click here.

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06. What is the coverage area of Visitors Protect insurance?

Visitor Protect travel medical insurance is available for visitors traveling from their home country to the U.S., Canada, and Mexico.

07. How do I purchase Visitors Protect insurance?

You can get the quotes and make an instant purchase of visitors protect travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

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

Visitors Protect is a comprehensive 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.

09. Is IMG travel insurance legit? Is IMG a real insurance company?

Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

08. 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.

09. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

10. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
  2. Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02.  What does full coverage for Pre-Existing Conditions mean?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What services are covered under visitors insurance full pre-existing coverage?

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

06.  Do IMG travel insurance plans really cover all pre-existing conditions?

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

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Plan benefits of Visitors Protect travel insurance

  • Benefits

    In-Network

    Out-Network

    Eligible medical expenses 75% up to policy maximum 60% up to policy maximum
    Hospital room and board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
    Surgery 75% up to policy maximum 60% up to policy maximum
    Intensive care unit 75% up to policy maximum 60% up to policy maximum
    Hospital Ancillary Servicest 75% up to policy maximum 60% up to policy maximum
    Radiology/X-ray 75% up to policy maximum 60% up to policy maximum
    Laboratory 75% up to policy maximum 60% up to policy maximum
    Pre-Admission Testing 75% up to policy maximum 60% up to policy maximum
    Reconstructive Surgery 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Pre-Certification
    50% reduction of eligible medical expenses if pre-certification provisions are not met
    Physician visits 75% up to policy maximum 60% up to policy maximum
    Assistant Surgeon 75% up to policy maximum 60% up to policy maximum
    Urgent Care Clinic $25 copay, 100% up to Policy Maximum $50 copay, 100% up to Policy Maximum
    Walk-In Clinic $15 copay, 100% up to Policy Maximum $25 copay, 100% up to Policy Maximum
    Physical Therapy 75% up to policy maximum 60% up to policy maximum
    Prescription Drugs and Medications 75% up to policy maximum 60% up to policy maximum
    Assistant Surgeon 75% up to policy maximum 60% up to policy maximum
    Chiropractic Care 75% up to policy maximum 60% up to policy maximum
    Durable Medical Equipment 75% up to policy maximum 60% up to policy maximum
    Extended Care Facility 75% up to policy maximum 60% up to policy maximum
    Home Nursing Care 75% up to policy maximum 60% up to policy maximum
    Anesthesia 75% up to policy maximum 60% up to policy maximum
    Reconstructive Surgery 75% up to policy maximum 60% up to policy maximum
    Outpatient Surgical/Hospital Facility 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Emergency local ambulance 75% up to policy maximum 60% up to policy maximum
    Hospital emergency room 75% up to policy maximum 60% up to policy maximum
    Interfacility ambulance transfer Company pays 100%
  • Benefits

    In-Network

    Out-Network

    Emergency dental treatment Up to $300(Unexpected pain or treatment due to an accident)
    Traumatic Dental Injury 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Emergency medical evacuation 75% up to policy maximum 60% up to policy maximum
    Hospital emergency room Up to $25,000 maximum limit
    Emergency reunion $100,000 maximum limit. Not subject to deductible
    Return of Minor Children $100,000 maximum limit. Not subject to deductible
    Return of mortal remains or cremation/burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
  • Benefits

    In-Network

    Out-Network

    Pre-Existing Condition Maximum limit through age 69: $25,000 Maximum limit ages 70 and older: $20,000
  • Accidental death & dismemberment $25,000 principal sum, Not subject to deductible

Visitors Protect travel insurance exclusions

  • CareClix Consultation does not support diagnosis for mental and nervous disorders. Coverage for Care Clix Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The company reserves right to decline future claims relating to or arising from any condition discussed, raised or identified during Care Clix consultation where the illness or injury directly or indirectly related to any pre existing condition or is otherwise excluded under this certificate of insurance.
  • No coverage is approved by the company if pre-certification requirements are not covered.
  • Self inflicted injury is not covered.
  • Cosmetic surgeries for aesthetic purpose is not covered under the plan.
  • Routine physical examinations, delivery, Prenatal care, post natal, complications of pregnancy, newborn, miscarriage are excluded under the policy.
  • Claims or losses incurred due to war, invasion, act of terrorism are not covered.
Visitors Protect Insurance PPO Network

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

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Visitors Protect Insurance cost per month for seniors

The cost of Visitors Protect 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. Travelers can choose maximum limits of $50k, $100k, $250K depending on the age of traveller up to age of 70 years. For above 70 years $50,000 is available. This plan can be available form 90 days to 12 months.

For Example here we are showing price for 3 months with deductible of $500.

Age of traveler Maximum of $50,000 Maximum of $100,000 Maximum of $250,000
60 - 69 years $947 $1317 $1580
70 - 79 years $2277 N/A N/A
80 - 99 years $2926 N/A N/A

Visitors Protect Insurance Restrictions

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

Resourceful links of Visitors Protect Insurance

IMG travel Insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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Visitors Protect insurance blog

Blog about pre-existing travel insurance from IMG

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Visitors Protect insurance forum

Customer queries about Visitors Protect insurance plan

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IMG trip cancellation plans

Compare and review benefits of IMG trip plans.

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IMG visitors insurance related links

International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage