Visitors Care Plus Insurance Reviews, IMG Visitor Care travel Insurance plan reviews

Visitors Care Plus travel medical insurance

Underwriter
Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Ratings
A(Excellent)

Ideal for Cheaper visitor insuranceAcute on set of pre-existing conditions

Visitors Care Plus Insurance review

Visitors Care Plus Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America.

When you have parents, in laws, other family members or friends visiting the USA, It is a cheapest insurance plan for their stay in America. Visitors Care Plus Insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum. Visitors Care Plus Insurance offers a policy maximum of $50,000 for those up to 79 years of age, and a $10,000 policy maximum for those 80 years of age and older.

At American visitor insurance, US Travelers can contact the Visitors Care Plus customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

Visitors Care Plus Insurance Eligibility

Ideal for Non-US citizens travelling outside their home country.

IMG Visitors Care Plus Insurance reviews

Reviews, Ratings and Experiences

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.

| Steve E

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.

| Joan

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.

| Kelli M

Advantages and Disadvantages of Visitors Care Plus Insurance

Visitors Care Plus Insurance Advantages
- Cheaper Plan.
- $50,000 coverage, suitable for travelers looking for less coverage.
- 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 Plus Insurance Disadvantages
- 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.

An Overview of IMG Visitors Care Plus Insurance

Eligibility

Non-U.S. citizens traveling 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.

Renewability

Coverage is available from 5 days to 2 years.
Renewed online max up to 2 years.

Pre-existing condition

Offers Acute onset of pre-existing coverage up to the age of 70 years.
$25,000 maximum limit for emergency medical evacuation.

Cancellation

Before effective date: Full refund of premium is available.
After effective date: $25 cancellation fee will be charged by the insurance company.

Restrictions

Excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.

A working example of using Visitors Care Plus Insurance*

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000

full_coverage
Insurance coverage $50,000
attach_money
Deductible $100 per certificate period
draft
Medical expenses Claims$25,100

The Visitors Care Plus plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50,000). The insured must pay the deductible ($100). After that, the insurance plan pays fixed amount as defined in the policy for specific treatment. In this hypothetical example described in the table, the insured has to pay $17,050. This is the difference between the fixed amount the insurance pays and the actual billed amount.

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:	$25,100	$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.

Plan details of Visitors Care Plus Insurance

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Visitors Care Plus health insurance for foreign visitors – FAQ’s

Visitors Care Plus Insurance offers fixed benefit coverage for medical expenses. Visitors Care Plus 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 IMG Visitors Care Plus Insurance reviews working example

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

Visitors Care Plus 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.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

The cost of Visitors Care Plus health insurance depends on the age of the applicant, the chosen deductible, and the maximum limit. The deductible options are $0, $50, or $100. The maximum limit options is $50,000. You can get a quote for this plan on American Visitor Insurance.

Visitors Care Plus health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.

No, Visitors Care Plus visitor health insurance USA does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.

If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as iTravelInsured Travel SE, iTravelInsured Travel LX or iTravelInsured Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.

Some of the exclusions of Visitors Care Plus Insurance are:

War, military action, terrorism, and related consequences.
Pre-existing conditions, defined as a medical or health condition (whether physical or mental, regardless of the cause of the condition) that existed before the policy effective date.
Preventative care, such as routine physical examinations and immunizations.
Vision care, such as eye examinations, eyeglasses, contact lenses, or eye surgery.
Dental care, except for dental injury or emergency dental treatment due to an accident.
Maternity care, abortion, birth control, or infertility treatment.
Mental health disorders, substance abuse, or suicide attempts.
Sports and recreational activities that are hazardous or extreme.

No, you do not need to use a network provider to get treatment under Visitors Care Plus health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
Find Provider Network »

Visitors Care Plus Insurance - PPO network

Visitors Care Plus Insurance - Provider network and how to find hospital or doctor?

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.

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