Visitors Protect insurance cost

Age & Citizenship
Destinations
Start Date
End date

Visitors Protect Insurance Reviews, Health care for visitors to USA

Insurance provider
International Medical Group
Visitors Protect Insurance Rating
AM Rating : A-
Policy maximum
Age 0-69 years: $50,000, $100,000, or $250,000
Age 80+: $50,000
Deductible
$250, $500, $1,000, $2,500, or $5,000 per insured person, as indicated on the declaration
Period of Coverage
90 days up to 12 months
Visitors Protect Insurance can be renewed online
Visitors Protect Travel Medical Insurance Underwriter
Underwritten by SiriusPoint Insurance Corporation.

Visitors Protect 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.

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.

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.  How does 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. 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.

05. 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.

06. Does Visitors Protect insurance cover Covid ? Does Visitors Protect insurance cover Coronavirus ?

Visitors Protect offers COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.

07. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal 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.

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.

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.

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

Pre-existing conditions coverage - FAQ's

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.

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.

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.

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.

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.

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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Visitors Protect insurance Benefits

  • Benefits

    In-Network

    Out-Network

    COVID-19/SARS-CoV-2 Coverage
    Visitors Protect insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    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 Provider network

Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains a wide network of health care providers.

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Visitors Protect Insurance Restrictions

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

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Visitors Protect insurance forum

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IMG trip cancellation plans

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International Medical Group(IMG) Insurance related coverage

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