Visitors Care is a fixed benefit visitor medical insurance product offered by International Medical Group(IMG). This plan is available for Non US citizens traveling outside their home country. This plan specifies the amount of limits for every benefit like a typical fixed plan. This insurance plans does not have a co-insurance associated with it. This plan offers a "Heart Care Plus" rider which is an optional pre-existing condition rider. This rider provides up to $5,000 for up to 69 years of age and provides $2500 for people 70 and above. This rider covers cardiac and myocardial infarction. This plan is purchased for a minimum of five days and can be renewed for up to 2 years. This plan has a policy maximum options available are $25,000, $50,000 and $100,000.This visitor insurance product does not have a co-insurance associated with it.
Patriot America Plus is a comprehensive visitor health insurance plan by IMG. Non US citizens traveling outside US qualify to buy this insurance product. This plan has flexible coverage compared to Visitors Care plan and is helpful in major medical expense. Coverage for acute onset of pre-existing condition for up to lifetime maximum of $50,000 until age 70 is a highlight of this plan. This comprehensive visitor medical insurance does not limit the pre-existing condition only for heart related problems unlike the Visitors Care plan. There is a co-insurance factor applicable for the first $5000 of the incurred expense and after which the insurer pays 100%. Within the PPO network, the co-insurance is 10% and outside the PPO network the co-insurance is 20%. Optional riders like adventure sports rider, evacuation plus rider, citizenship rider…are available with this comprehensive travel insurance product.