What Is the Difference Between Outreach America and Outreach International?

Outreach America is for non-U.S. citizens and non-U.S. residents traveling to the United States. Outreach International is for U.S. citizens traveling outside the U.S. Both plans offer similar benefits — emergency medical coverage, evacuation, repatriation — but they differ based on traveler residency and destination. Choosing the right plan ensures your claims are eligible.

Outreach America Insurance Reviews, Outreach America Reviews, Outreach America Travel Insurance Reviews, IMG Outreach America insurance cost

🛡️Outreach America Insurance Reviews

Ideal for Visitors to USA, starting at just $1 per day

Outreach America is a comprehensive short-term travel medical insurance plan designed for non-U.S. residents traveling to the United States. It is ideal for missionaries, volunteers, tourists, family visitors, and business travelers who want reliable, affordable medical protection.

⭐ Ratings & Underwriter

Ratings: A.M. Best A- (Excellent)
Underwriter: SiriusPoint Specialty Insurance Corporation
Best for: Visitors to the USA, Missionaries, volunteers, and church groups visiting the U.S.

Key Features:

Coverage from 5 days up to 364 days, renewable up to 2 years
Ideal for missionaries, volunteers, tourists, and family or business visitors to the U.S.
Access to ID card and documents online after purchase
24/7 customer service and support available
Budget-friendly premiums with multiple deductible options.

After buying the plan, travelers can get all the plan documents and id card through Outreach America login. At American Visitor Insurance, US Travelers can contact the Outreach America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

⭐ IMG Outreach America Visitor Insurance Reviews

Steve E

"The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence."

Joan

"Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything."

Kelli M

"I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well."

👨‍⚕️ How Much Does Outreach America Insurance Plan Work?

Insurance Coverage Limit: $50,000
Total Medical Claims: $14,500
Deductible: $500 per certificate period (paid by insured)
Eligible Expenses After Deductible: $14,000 ($14,500 - $500)
Coinsurance: Insurance pays In network: 90% of eligible expenses

Below is a simple calculation showing how much the plan/insurance company pays you:

Expense	Billed	Insurance pays	You Pay
Deductible	$500	$0	$500
Hospital Stay (for 3 days)	$6000	$5,400	$600
Surgery	$6000	$6000	$0
Prescription Drugs	$600	$600	$0
Diagnostic X-rays & Lab Services	$1,400	$1,400	$0
Total:	$14,500	$13,400	$1,100

* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

🛡️ Plan Details Of Outreach America Travel Insurance

Compare plans »

⚖️ Advantages & Disadvantages of Outreach America Insurance

✅ Outreach America Insurance Advantages:

Affordable short-term travel medical insurance designed for non-U.S. citizens visiting the USA.
Comprehensive medical coverage including hospital room, physician visits, surgery, prescription drugs, ambulance, outpatient care, and emergency services.
Covers a wide range of medical needs such as chemotherapy, radiation therapy, physical therapy, chiropractic care, and dental treatment for accidents.
Additional benefits include coverage for natural disasters, political evacuation, emergency medical evacuation, repatriation of remains, trip interruption, lost luggage, and identity theft.
Optional add-ons available such as Adventure Sports Rider (covering extreme sports) and Enhanced Accidental Death and Dismemberment.
Policy can be purchased for as short as 5 days and extended up to 2 years.
24/7 customer support available for assistance.
Travelers receive an ID card and online access to plan documents.

❌ Outreach America Insurance Disadvantages:

Coverage for acute onset of pre-existing conditions is not included for treatment in the U.S.
Coinsurance applies for treatment outside PPO networks which may add out-of-pocket costs.
Some optional coverages (Adventure Sports, etc.) require additional premiums.
Not designed for U.S. citizens traveling abroad; a separate Outreach International plan is recommended for those travelers.
The plan primarily suits visitors to the U.S. and may not be ideal for long-term residents or expatriates seeking permanent coverage.

📘 An Overview of Outreach America Insurance

verified

Eligibility

The plan is available for non-U.S. citizens traveling outside their home country, including those visiting the United States for mission work, leisure, business, or family visits.

sync

Renewability

The plan is renewable up to 2 years

local_hospital

Urgent Care

$25 copay for urgent care center

baby_changing_station

Sports & Activities Coverage

Up to the maximum limit for basic sports, including non-organized, non-contact, and non-collision activities.

medical_services

Medical Evacuation

Covers emergency evacuation up to the $500,000 maximum

Find the Best Outreach America Plan for You

Compare coverage, benefits, and prices in seconds.

Get Your Free Quotes »

💰 How Much Does Outreach America Insurance Cost per Day?

The outreach America travel insurance cost per month starts at $1.45 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 0–69: $50,000, $100,000, $500,000, $1,000,000
Ages 70–79: $50,000
Ages 80–99: $10,000 only

Example: Below is the Day cost of Outreach America insurance of coverage with a $250 deductible, provided by American Visitor Insurance.

Age of traveler	Medical Maximum
Age of traveler	$50,000	$100,000	$500,000	$1,000,000
18 – 29 years	$1.45	$1.80	$2.32	$2.78
30 – 39 years	$1.90	$2.43	$3.01	$3.53
40 – 49 years	$2.83	$3.47	$4.63	$5.15
50 – 59 years	$4.37	$5.57	$6.85	$7.88
60 – 64 years	$5.46	$7.10	$8.43	$10.13
65 – 69 years	$7.10	$9.65	$10.47	$12.47
70 – 79 years	$9.58	Not available

For senior travelers aged 80+ : $16.68/Per Day for $10,000 coverage with $250 deductible.

🏥 What Are the Outreach America Insurance PPO Networks?

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.

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

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

💡 Tip: If your Outreach America 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.

Find PPO Network Providers »

❓ Do You Have Any Questions?

Our support team is ready to assist you 24/7.

call (877) 340-7910 mailSend us an Email

❓Outreach America Travel Insurance – FAQ’s

Covers emergency medical treatment, hospitalization, surgery, prescription drugs, emergency evacuation, repatriation, and optional adventure sports coverage.

Yes. Outreach America Insurance provides coverage for the sudden and unexpected recurrence of a pre-existing conditions up to $50,000 for travelers under 65 and up to $2,500 for travelers aged 65 and older.

Yes, Outreach America does offer coverage for adventure or high-risk sports, but only through an optional Adventure Sports Rider that must be purchased separately at the time of policy application. This rider provides coverage for injuries sustained while participating in certain designated adventure sports that are typically excluded from standard travel medical insurance policies.

Outreach America: is for non-U.S. citizens and non-U.S. residents traveling to the United States.
Outreach International: is for U.S. citizens traveling outside the U.S. Both plans offer similar benefits — emergency medical coverage, evacuation, repatriation — but they differ based on traveler residency and destination. Choosing the right plan ensures your claims are eligible.

Yes, you can include family members or dependents. Separate applications may be required for adult dependents over 18 years old.

Yes. Outreach America Insurance is ideal for missionaries, church groups, and volunteers temporarily staying in the U.S.

Yes. Outreach America Insurance covers basic non-organized, non-contact, and non-collision sports up to the plan’s maximum limit. It also offers optional coverage for adventure and recreational sports, and an Amateur Athletics rider is available for accidents during organized amateur sports.

💡Why Should I Buy IMG Travel Insurance On American Visitor Insurance?

American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different IMG travel insurance plans easily and make an informed decision of the best IMG travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries or concerns while buying IMG travel insurance. The customer support staff are available at all times to help you with the online application process as well as to help customers while filing for IMG insurance claims should you need to use the insurance coverage while in the USA.

📝 How Do I File a Claim With Outreach America Insurance?

To file a claim with Outreach America 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

Know more about IMG Claims »

✈️ Summary for Outreach America Insurance

Outreach America Insurance is a short-term travel medical insurance plan designed specifically for non-U.S. residents traveling to the United States or abroad. It provides affordable protection for unexpected medical expenses, emergencies, and travel-related risks. It is ideal for missionaries, volunteers, tourists, family visitors, and business travelers seeking reliable and affordable medical protection. Key features and coverage include:

Medical maximum coverage limits vary from $50,000 to $1,000,000, providing a broad range of financial protection.
Eligibility: Non-U.S. citizens visiting the U.S. for business, leisure, studies, or missionary/volunteer work.
Coverage Duration: The plan can be purchased for a minimum of 5 days and extended up to 2 years continuously.
Medical Benefits: Coverage includes Hospitalization, doctor visits, prescriptions, emergency room care, and urgent care for new illnesses or injuries.
It covers the sudden and unexpected recurrence of pre-existing conditions up to $50,000 for those under 65 and $2,500 for travelers 65 and older.
Coinsurance covers 90% for in-network providers and 80% for out-of-network up to the selected maximum.
The monthly cost varies based on age, coverage level, and deductible, with pricing higher for older travelers.
Ideal for missionaries, church groups, volunteers, and other non-U.S. residents temporarily staying in the U.S.
Claims can be filed online, by mail, phone, or email for support.

Outreach America Insurance Reviews

Outreach America Insurance Cost