Policy maximum
$50,000, $100,000 and $250,000
Deductible
$250, $500, $1000, and $2500
Comprehensive benefit plan
Benefits for covered medical expenses go all the way up to the plan maximum
Pre-existing conditions
Covers up to the age of 99 years.
Renewability
Plan is renewable up to a maximum of 1 years.
PPO Network
Visitors Protect is a visitors travel medical insurance plan designed for non-U.S. residents traveling outside their home country to the USA, or travelers to Canada and Mexico. It’s especially valuable for travelers with pre-existing conditions, offering coverage that most visitor plans exclude. Visitors Protect insurance can be an excellent choice for parents and relatives visiting the United States. Visitors Protect is available for a coverage period of as little as 90 days, or up to 12 months.
On the effective date, must have legally departed the country of residence and legally entered the primary destination of the united states on an eligible nonimmigrant visa or similar arrangements. Green card holders and lawful permanent residents are not eligible for this coverage.
After buying the plan, Traveler can get the Visitors Protect insurance id card and all the plan document by using Visitors Protect travel insurance login. At American Visitor Insurance, USA Travelers can contact the Visitors Protect travel insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Key Features:AM Rating : A-
90 days up to 12 months
Visiting US, Mexico
Limited pre-existing coverageSiriusPoint Specialty Insurance Corporation
Secondary (Excess)
Plan pays 75% of eligible expenses in the United States.
Plan pays 60% up to $5,000, then 100% up to the maximum limit.
The plan provides coverage for eligible medical expenses up to $50,000, $100,000, or $250,000, including hospitalization, physician visits, urgent care, surgeries, prescriptions, and lab tests. This protects visitors from the high cost of healthcare in the U.S., Canada, and Mexico.
It offers coverage for the acute onset of pre-existing conditions up to $25,000 for travelers under 70 and $20,000 for those 70 and older, an advantage especially important for elderly visitors or those with chronic health issues.
Visitors Protect uses the United Healthcare PPO network in the U.S., offering access to over 1.4 million healthcare providers, and IPA networks in Canada and Mexico, allowing for direct billing and ease of service.
Includes emergency medical evacuation, repatriation of remains, accidental death and dismemberment benefits, and emergency reunion coverage, providing security in critical situations.
The CareClix teleconsultation service provides convenient access to medical professionals for non-emergencies, without deductibles or coinsurance.
Online claims submission and real-time claim tracking enhance convenience and speed up reimbursement processes.
Available for travelers aged 14 days to 99 years, ensuring protection for infants, adults, and seniors a like.
$449/month
Based on age, policy maximum & deductible
| Age of Traveler | Medical Maximum | ||
|---|---|---|---|
| $50,000 | $100,000 | $250,000 | |
| 40 - 49 years | $449 | $562 | $675 |
| 50 - 59 years | $668 | $835 | $1003 |
| 60 - 69 years | $954 | $1195 | $1434 |
| 70 – 79 years | $2295 | Not available | |
| Age 80 and above | $2947 | Not available | |
👉 Minimum purchase: 90 days
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Click to EmailWhat is Visitor Protect Insurance coverage?
Thank you for contacting about your insurance needs! Remember that visitor plans are only for unexpected medical problems while a person is traveling outside their home country. They do not cover regular, required treatment or medications. The Visitors Protect plan from IMG will cover unexpected problems arising from pre-existing conditions with a higher deductible and with a lower maximum.
They define pre-existing conditions as something that within the past 12 months before the start of the policy had a flare up, was treated, or required a change in medication (see full definition below). They cover problems with pre-existing conditions subject to a higher ($1500) deductible and a lower maximum ($25,000 for 69 and under, $20,000 for 70+).
In network the plan is a 25/75 plan, meaning they pay 75% and the insured pays 25% (as well as Canada and Mexico). Out of network it is 60/40 plan. Coverage is for US, Canada and Mexico. The plan must be initially purchased for at least 90 days and can be extended up to 12 months. The plan is not available to green card holders.
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To file a claim with Visitors Protect Insurance, follow these steps:
Get claim form online
1-800-628-4664
Mail to IMG, Apple Valley, MN 55124
Yes, it provides limited coverage for acute onset of pre-existing conditions: up to $25,000 for travelers under 70, and $20,000 for those 70 and older, with a deductible of $1,500 per condition.
Yes. Visitors Protect is an IMG plan, underwritten by Sirius Point Specialty Insurance Corporation. It has received an A- rating by the AM Best Rating.
Yes, you can cancel and get a refund for the Visitors Protect plan, if you need to go back earlier than planned. The following rules apply:
Visitors Protect plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada and US citizens living abroad and visiting USA can also buy Visitors Protect travel medical insurance.
Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.
Coverage includes hospitalization, emergency room visits, urgent care, physician visits, prescription drugs, lab and diagnostics, dental and traumatic injury care, medical evacuation, and repatriation of remains, among other benefits.
Yes, the CareClix telemedicine service provides access to board-certified doctors for non-emergency medical consultations without deductible or coinsurance.
Yes, in the U.S., it uses the United Healthcare PPO network with over 1.4 million physicians and thousands of hospitals. In Canada and Mexico, access is via the IPA network for direct-billing providers.
No, maternity, childbirth, and related care are excluded. Only emergency complications of pregnancy may be covered up to a set limit.
CareClix allows policyholders to consult with doctors online or via phone/video for non-emergency medical issues, avoiding unnecessary hospital visits.
No. You must purchase the plan before departing your home country. Coverage begins only after you’ve legally entered the U.S., Canada, or Mexico on an eligible visa
Review quotes and coverage benefits for your needs to get the best protection for your next trip - fast and easy.