IMG

Visitors Care Covid19 Insurance Reviews

Visitors Care insurance cost

Patriot America Insurance
Insurance Provider
International Medical Group
Period of Coverage - 5 days to 2 years
Visitors Care Insurance can be renewed online
Policy Maximum?
$25,000, $50,000, $100,000
Renewal
IMG Visitors Care Insurance Renewal
Visitors Care Insurance can be renewed online up to 2 years unless there is a break in coverage.
Deductible Options?
$0, $50, $100 per period of coverage
Visitors Care Insurance Rating
AM Rating : A (Excellent)
Visitors Care Travel Medical Insurance Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ)

Visitors Care Links

  • Brochure
  • Details
  • Fixed benefit plan
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider Network

Visitors Care travel insurance - Key Highlights

  • It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan
  • This plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum
  • Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
  • Plan maximum options of $25,000, $50,000 and $100,000 are available.
  • Coverage for incidental visits to home country up to a cumulative of two weeks.
  • Visitors Care insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
  • The plan has a pre existing rider that provides coverage of $5,000 for ages of 0 – 69 years and provides coverage of $2,500 for travelers aged above 70 years

Visitors care Insurance Eligibility:
Ideal for Non-US citizens travelling outsie their home country.

View complete details of benefits

A working example of using Visitors Care travel insurance*

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Your claims for medical expenses is $25,500
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $25,500 minus $100 equals $25,400. Insured bears $100.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
Patriot America Insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $1,400/day for 3 days $1,800
Surgery $17,000 $3,300 $13,700
Prescription Drugs $800 $250 $550
X Ray $1,700 $800 $900
Total: $25,600 $8,550 $17,050
* 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.

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Important terms of Visitors Care Insurance reviews?

  • Plan Maximum coverage of Visitors Care travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers maximum coverage up to $100,000. The coverage may vary for older travelers with reduced plan maximum.
  • What is a deductible in Visitors Care visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Visitors Care insurance offer a set of deductible options for the travelers to choose from. Visitors Care insurance has a range of deductible option from $0, $50 and $100.
  • What is a provider network of Visitors Care Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Visitors Care Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Care Insurance can be renewed from 5 days to 2 years.
  • Eligibility to buy Visitors Care Insurance Online
    This plan is availabel for non US citizens travelling outside their home country.For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • Visitors Care Pre-existing conditions Visitors Insurance for international travelers
    Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Visitors Care Travel Insurance - Common Questions

How does Visitors Care insurance work?

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 review Visitors Care insurance working example

How can a visitor use Visitors Care insurance in case of emergency in USA?

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

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

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.

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

International 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.

Does Visitors Care insurance cover Covid ? Does Visitors Care insurance cover Coronavirus ?

Visitors Care 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.

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.

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.

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.

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.

Visitors Care Insurance Information

Visitors Care Insurance Advantages

  • Cheaper Plan.
  • $25,000 coverage, suitable for travelers looking for less coverage.
  • Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5,000 per period of coverage for ages 0-69 and up to $2,500 per period of coverage for 70+ travelers.
  • Can be renewed up to two years.
  • Deductible per period of coverage.
  • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.
  • Part of a PPO network available.
  • Only plan that offers extended care facility ( Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)

Visitors Care Insurance Disadvantages

  • Visitors Care from IMG does not cover covid
  • It is a fixed benefit plan.
  • This plan is available only for non-Us citizens traveling outside their home country.
  • Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US.
  • Only $10,000 coverage for 80+ travelers.
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Visitors Care insurance - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
Find Provider Network

special-coverageVisitors Care Insurance Restrictions

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

Compare quotes and details of Visitors Care plan with other American Visitor insurance plans:
F Fixed Benefits Plans

International Medical Group, IMG travel insurance Links

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