IMG Visitors Care Insurance
Low-Cost Coverage for USA Travel Starting at under $1/day, get most affordable US visitors health coverage. It covers doctor visits, hospitalization & emergencies, has multiple deductible and policy choices and trusted by thousands of international travelers.
What is IMG Visitors Care Insurance?
Visitors Care Insurance is an affordable fixed-benefit travel medical insurance plan underwritten by SiriusPoint Specialty Insurance Corporation and administered by International Medical Group (IMG). It is designed for non-US citizens traveling outside their home country - most commonly parents, relatives, and friends visiting someone in the United States.
Unlike comprehensive plans that reimburse actual medical bills up to a stated maximum, Visitors Care pays predetermined benefit amounts for each type of covered service: a fixed sum per hospital day, a fixed amount per surgeon visit, and so on. This makes premiums significantly lower, and the coverage very predictable.
Visitors Care, one of the cheapest visitor insurance plans for the USA, stands out among fixed benefit plans by offering no co-insurance - a rare advantage. Once you meet your deductible, you won't have to pay a percentage of each eligible medical bill.
Available through American Visitor Insurance, it is an affordable US travel insurance for acute onset of pre-existing conditions, with sublimits up to your selected policy maximum - providing an added safety net for travelers with prior health concerns.
If purchased for a minimum of 5 days, Visitors Care offers online renewal for up to 2 years, making it a practical and cost-effective travel medical insurance for visitors to the United States.
Best price guaranteed · Instant coverage
Flexible Protection with Three Plan Options
Visitors Care comes in three tiers, each sharing the same core structure but offering a higher policy maximum and therefore more protection at a higher premium.
Policy maximum. Best suited for short stays and young, healthy travelers looking for basic coverage. Extended care: up to $150/day for 15 days.
Policy maximum. A balanced option offering more protection for a wide range of travelers. Extended care: up to $200/day for 15 days.
Policy maximum. Designed for older travelers or those seeking higher coverage limits and added peace of mind. Extended care: up to $250/day for 15 days.
Visitors Care is the only fixed-benefit plan on the market that includes Extended Care Facility coverage - meaning if you need time in a skilled nursing or rehabilitation facility, benefits are paid per day for up to 15 days per policy period.
How Much Does Visitors Care Insurance Cost?
Visitors Care insurance costs between $24 to $147 per month, making it one of the most affordable options for travel medical coverage in the USA. The exact premium depends on several key factors:
- Traveler's age - older travelers pay higher premiums
- Policy maximum - higher coverage limits increase the cost
- Deductible amount - higher deductibles help lower your premium
This flexible pricing structure allows travelers to customize coverage based on their budget and protection needs.
Note: For senior travelers aged 80 to 99, the cost is $139, with a maximum coverage of $10,000 and a deductible of $100.
Note: For senior travelers aged 80 to 99, the cost is $143, with a maximum coverage of $10,000 and a deductible of $100.
Who Is Eligible for Visitors Care Insurance Plan?
- check_circleNon-US citizens (or citizens) traveling outside their country of citizenship
- check_circleIndividuals aged 14 days to 99 years
- check_circleTravelers visiting the USA, Canada, or other countries worldwide
- check_circleParents, relatives, friends visiting someone in the US
- check_circleImmigrants and Green Card Holders temporarily abroad
- check_circleVisitors aged 65+ must begin coverage within 30 days of arriving in the US, unless they provide proof of prior valid international travel insurance
Geographic Restrictions: IMG does not offer Visitors Care to residents of Belarus, Russia, Iran, or Ukraine, and does not cover travel to those countries.
What Are the Key Highlights of Visitors Care Insurance?
- check_circleAffordable travel insurance for visitors to the USA, ideal for budget-conscious international travelers
- check_circleAcute onset of pre-existing conditions covered up to the policy maximum - valuable for visitors needing basic travel health protection
- check_circleFlexible coverage duration from 5 days up to 364 days, renewable for up to 2 years - perfect for extended stays in the United States
- check_circleEmergency medical evacuation coverage included up to the policy maximum, ensuring access to proper care during emergencies
- check_circleFixed-benefit plan structure offering limited but essential travel health insurance coverage for USA visitors
- check_circleUrgent Care visits with low copay - $25 per visit (waived when choosing a $0 deductible option)
- check_circleOptional pre-existing condition rider for added protection: Up to $5,000 coverage (ages 0-69), Up to $2,500 coverage (ages 70+)
Advantages & Disadvantages of Visitors Care Insurance
Visitors Care Insurance Advantages
6 benefitsBudget-friendly premiums - less than a $1/day, one of the most affordable visitor insurance plans in the USA
$25,000 coverage, suitable for travelers looking for less coverage.
Deductible per period of coverage.
Full premium refund if canceled before the policy effective date. Pro-rata refund available (minus cancellation charges) if canceled after start date.
Part of a PPO network available.
Offers coverage for COVID-19 as any other Illness or Injury.
Visitors Care Insurance Disadvantages
4 limitsFixed Benefit Plan: Offers scheduled benefits per service, which may leave large out-of-pocket expenses compared to comprehensive plans.
This plan is available only for non-Us citizens traveling outside their home country.
Travelers above 65 years or older visiting the U.S, coverage must begin within 30 days of arrival in the US.
Travelers aged 80+ years get a reduced maximum coverage limit of $10,000, which may not be adequate for U.S. healthcare costs.
Real-World Scenarios: Would This Cover You?
Policy documents are dense. Here's how the plan actually performs in common situations visitors face.
Sudden heart attack (age 67)
Your 67-year-old father from India has known hypertension but experiences a sudden, severe cardiac event at night. It's a new emergency - not his routine blood pressure management.
✓ Covered - acute onset of pre-existing condition, under age 70Insulin refill & diabetes checkup
Same traveler needs his regular insulin prescription refilled and a blood glucose checkup during his 3-month stay in the US.
✗ Not covered - routine management of a pre-existing condition is excludedBroken wrist from a fall
A 38-year-old visitor slips on ice and breaks her wrist. She needs an ER visit, X-ray, casting, and a follow-up appointment. No prior injury history.
✓ Fully covered - new injury with no pre-existing connectionHow Visitors Care Works?
Understanding fixed benefits is easiest with a real example. Suppose a 58-year-old parent visiting from India falls ill, visits an urgent care clinic, then is hospitalized for two nights. Here is exactly what Visitors Care plan pays.
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Urgent Care visit $25 copay (waived with $0 deductible) | $350 | $70 | $280 |
| Deductible Paid once per policy period | $100 | $0 | $100 |
| Hospital room (2 nights) Fixed benefit: $1,450/day × 2 | $6,000 | $2,900 | $3,100 |
| Physician visits (2) Fixed benefit: $70/visit × 2 | $600 | $140 | $460 |
| Surgery Fixed benefit per session | $8,000 | $3,300 | $4,700 |
| Anesthesia Fixed benefit per session | $1,800 | $825 | $975 |
| Total | $16,850 | $7,235 | $9,615 |
Fixed-benefit plan: Any charges above the fixed schedule limits are the traveler's responsibility. Using a PPO network provider (United Healthcare or First Health) helps ensure billed amounts align more closely with benefit limits - reducing your out-of-pocket gap significantly.
Deductible paid once
The $100 deductible applies once per policy period - not per visit or per service.
No co-insurance
Unlike most fixed plans, Visitors Care has no co-insurance - after the deductible, the plan pays the full scheduled benefit.
PPO reduces gap
In-network PPO providers charge less, so the gap between their bill and the fixed benefit is smaller than at out-of-network hospitals.
PPO Networks - Finding a Doctor
Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 80% up to $5,000 then 100%.
Visitors Care offers access to the UnitedHealthcare PPO network, one of the largest in the USA with thousands of doctors and hospitals nationwide.
Choosing this network ensures easy access to quality care, lower costs with in-network providers, and makes it a strong option for the best travel medical insurance with UHC PPO network.
Find a UHC Doctor
Secondary network option with strong nationwide provider access. Your ID card will indicate which network applies.
Find a First Health Doctor
What Visitors Care Does Not Cover?
Understanding what a plan excludes is just as important as knowing what it covers. The following services and situations are not covered under Visitors Care insurance:
Visitors Care does not cover trip cancellation. If that's a priority, consider IMG's dedicated trip protection plans such as iTravelInsured Travel SE, Travel LX or Travel Lite, which bundle cancellation, interruption, and emergency medical coverage.
Visitors Care health insurance for foreign visitors - FAQs
For detailed working example of how it works, you can review IMG Visitors Care insurance reviews
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- Before effective date: Full refund of premium is available.
- After effective date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.