IMG Travel Insurance for USA
Healthcare costs in the USA can be expensive, especially in an emergency. International Medical Group travel insurance helps visitors to protect against eligible medical expenses, with coverage starting at less than $1 per day. Compare coverage options for your USA trip and choose a plan that fits your needs.
Find the Right IMG Travel Insurance Plan
Choose the option that best matches your travel needs, and we’ll help you find the IMG travel insurance plan that fits your situation.
The most affordable plan here. A fixed-benefit plan with set payouts per medical service - ideal when keeping cost low matters more than a high coverage ceiling.
- check_circleLowest starting cost of all plans compared
- check_circleCovers acute onset of pre-existing conditions up to age 70
- check_circleRenewable for up to 2 years
A comprehensive plan with a high shared medical maximum at a moderate cost - the standard well-rounded choice when a pre-existing condition isn't a factor.
- check_circleComprehensive coverage up to $1,000,000
- check_circleOpen to US and non-US citizens visiting the US
- check_circleCovers adventure sports and other sports activities
Same $1,000,000 comprehensive coverage as Lite, plus acute-onset pre-existing condition coverage for travelers under 70.
- check_circleCovers acute onset of pre-existing conditions up to age 70
- check_circleComprehensive coverage up to $1,000,000
- check_circleSuitable for Green Card holders
Built for pre-existing conditions at older ages - covers pre-existing conditions up to age 99, well past where most comprehensive plans stop.
- check_circleCovers pre-existing conditions up to age 99
- check_circleCoverage inside the US, Canada and Mexico
- check_circleCOVID-19 treated the same as any other sickness
The highest medical maximum of any plan here, and one of the few plans that still accepts travelers aged 80 and older.
- check_circleHighest policy maximum available: up to $8,000,000
- check_circleAccepts travelers aged 80 and older
- check_circleCovers acute onset of pre-existing conditions up to age 70
A comprehensive plan for non-US citizens visiting the US, with the longest coverage window of the plans here - well suited to missionaries, volunteers, and extended stays.
- check_circleComprehensive coverage up to $1,000,000
- check_circleLongest available term: 5 days up to 24 months
- check_circleAccess to the UnitedHealthcare PPO Network
- check_circleOptional Adventure Sports Rider available up to age 65
Which IMG Travel Insurance Is Right for You?
- Looking for the cheapest IMG insurance? Visitors Care - starts at less than $1 per day.
- Want affordable comprehensive visitor health insurance? Patriot America Lite - coverage up to $1,000,000.
- Want the best comprehensive travel insurance for visitors to USA? Patriot America Plus - strong medical coverage with acute onset of pre-existing conditions coverage for travelers under age 70.
- Want the highest coverage health insurance for visitors to USA? Patriot America Platinum - first-class medical coverage up to $8 million.
- Need the best travel insurance for pre-existing conditions? Visitors Protect - provides limited pre-existing condition coverage up to age 99.
IMG Travel Medical Insurance for Visitors to USA
IMG visitors insurance provides temporary medical coverage for international travelers visiting the United States. Whether you are visiting family, taking a vacation, traveling for business, or staying in the USA for several months, visitor health insurance can help protect you from the high cost of medical care.
IMG offers several visitor medical insurance options designed for different ages, budgets, coverage levels, and medical needs. Popular options include Visitors Care, Patriot America Lite, Patriot America Plus, Patriot America Platinum, and Visitors Protect.
Compare IMG visitor medical insurance from American Visitor Insurance to explore coverage, deductibles, and costs. Get a personalized quote and choose the right visitor insurance for your trip to the USA.
Why Buy International Medical Group Travel Insurance?
International Medical Group (IMG) travel insurance offers visitor medical insurance for international travelers visiting the USA, including tourists, parents visiting family, business travelers, and eligible U.S. citizens and Green Card holders returning to the USA. With multiple coverage options and medical maximums up to $8 million, IMG provides choices for different ages, budgets, and medical needs.
- Up to $8 million in medical coverage: Patriot America Platinum offers medical maximums up to $8 million, while Patriot America Lite and Patriot America Plus offer maximums up to $1 million.
- Acute onset of pre-existing conditions: Patriot America Plus, Patriot America Platinum, and Visitors Care provide acute-onset coverage for eligible travelers under age 70, subject to the plan's terms and limits. For eligible non-U.S. citizens under age 70, certain plans can provide coverage up to the applicable policy maximum, with Patriot America Platinum offering up to $1 million for acute onset.
- Broader pre-existing condition coverage: Visitors Protect provides coverage for eligible pre-existing conditions, including conditions that gradually develop or worsen. The benefit is up to $25,000 for travelers through age 69 and up to $20,000 for travelers age 70 and older, subject to the policy terms and a $1,500 deductible per injury or illness related to a pre-existing condition.
- Emergency medical evacuation: Patriot America Plus provides emergency medical evacuation up to the policy maximum, while evacuation related to a covered acute onset of a pre-existing condition has a $25,000 maximum.
- Urgent care with a $25 copay: Patriot America Platinum provides eligible urgent care clinic treatment with a $25 copay. The copay does not apply when a $0 deductible is selected.
- Walk-in clinic with a $15 copay: Eligible walk-in clinic visits under Patriot America Platinum have a $15 copay, which is also waived when a $0 deductible is selected.
- Flexible deductibles: Patriot America Lite and Plus offer deductibles from $0 to $2,500, while Patriot America Platinum offers deductibles from $0 to $25,000.
- Flexible coverage periods: Patriot America Lite and Plus can be extended for up to 24 continuous months, while Patriot America Platinum can be extended for up to 36 continuous months, subject to eligibility and policy rules.
- PPO network access in the USA: Eligible IMG plans provide access to both United Health Care and First Health Care Networks. Using network providers can help reduce eligible out-of-pocket costs.
- Coverage for U.S. citizens and Green Card holders: IMG has Patriot America options and Visitors Protect that may be available to eligible U.S. citizens and Green Card holders who live outside the USA and are returning temporarily to the United States. Eligibility and plan restrictions should be confirmed before purchase.
- Coverage for parents and family visitors: IMG visitor medical insurance can be purchased for eligible parents, relatives, friends, and other travelers visiting the USA. The person purchasing the policy does not necessarily have to be the insured traveler.
- 24/7 emergency assistance: IMG provides 24/7/365 emergency assistance services, including multilingual support, for eligible travelers during their trip.
- Travel Intelligence and telehealth: Patriot America Platinum includes Travel Intelligence, telehealth, and Evacuation Plus as part of the plan, while availability of these features varies by IMG plan.
- COVID-19 coverage: Eligible IMG plans treat COVID-19/SARS-CoV-2 as an illness or injury, subject to the plan's terms, conditions, exclusions, and limitations.
Compare International Medical Group insurance plans through American Visitor Insurance to find the appropriate medical maximum, deductible, pre-existing condition benefit, and coverage period for your USA visit.
How Much Does IMG Travel Insurance Cost in 2026?
The cost of IMG travel insurance starts at around $25 per mont in 2026, depending on the traveler's age, plan, coverage limit, and deductible. Premiums are based on the selected coverage period, while Visitors Protect requires a minimum 90-day purchase.
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Patriot America Lite | $50,000 - $1,000,000 | $250 | $72 - $130 | $153 - $289 | $252 - $337 |
| Patriot America Plus | $50,000 - $1,000,000 | $250 | $77 - $139 | $164 - $311 | $287 - $434 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $250 | $147 - $298 | $365 - $642 | $622 |
| Visitors Protect | $50,000 - $250,000 | $250 | $765 - $1,147 | $1,093 - $1,641 | $2,627 |
Which Is the Cheapest IMG Travel Insurance for USA?
The cheapest IMG travel insurance for USA is Visitors Care insurance, making it a budget-friendly option for travelers looking for basic medical protection. Another affordable visitor insurance for USA is Patriot America Lite insurance, which offers comprehensive coverage for eligible medical expenses.
Visitors Care Insurance
Visitors Care Insurance is one of the cheapest health insurance for visitors to the USA, offering low-cost fixed-benefit travel medical coverage for eligible international travelers. It comes in three options Lite, Plus, and Platinum giving visitors flexibility to choose coverage based on their budget, age, trip duration, and medical needs.
- Medical Maximums: $25,000, $50,000, or $100,000
- Acute onset of pre-existing conditions: For eligible travelers up to 70 years
- Emergency Medical Evacuation: Up to $25,000–$50,000 depending on selected plan
- Coverage Duration: 5 to 364 days, renewable up to 2 years
- Deductible Options: $0, $50, or $100
- Urgent Care: $25 copay
- PPO Network: UnitedHealthcare PPO Network
- Age Eligibility: 14 days to 99 years
Patriot America Lite Insurance
Patriot America Lite is a temporary travel insurance for visitors to the USA, offered by IMG. Designed for non-U.S. residents visiting the United States, it provides comprehensive coverage for eligible new illnesses, accidental injuries, emergency medical treatment, and emergency medical evacuation.
- Medical Maximums: $50,000–$1,000,000
- Emergency Medical Evacuation: Up to $1,000,000
- Coverage Duration: 5 to 364 days, renewable up to 2 years
- Deductible Options: $0 to $2,500
- Urgent Care: $25 copay
- PPO Network: UnitedHealthcare PPO Network
- Age Eligibility: 14 days to 99 years
What Is the Best IMG Travel Insurance for Visitors to USA?
The best IMG travel insurance for visitors to the USA is Patriot America Plus Insurance, offering comprehensive coverage for eligible illnesses and injuries. Other best health insurance for visitors to the USA includes Visitors Protect for broader pre-existing condition coverage and Patriot America Platinum for travelers seeking higher medical coverage limits.
Patriot America Plus Insurance
Patriot America Plus is a popular short-term travel health insurance for visitors to the USA from International Medical Group. It is designed for non-U.S. residents traveling to the United States for vacations, business trips, or family visits and provides comprehensive coverage for eligible medical expenses. Most popular health insurance for parents visiting USA.
Visitors Protect Insurance
Visitors Protect Insurance is a best travel insurance for pre-existing conditions. It is designed for international travelers visiting the United States, Canada, or Mexico and provides coverage for the worsening of eligible pre-existing medical conditions, unlike many standard visitor insurance plans that primarily cover acute onset of pre-existing conditions.
Patriot America Platinum
Patriot America Platinum is a premium comprehensive travel medical insurance for visitors to the USA from IMG. It provides first-class coverage of up to $8 million for eligible medical expenses, including new illnesses, accidental injuries, emergency treatment, hospitalization, and emergency medical evacuation.
Does IMG Visitor Insurance Cover Pre-Existing Conditions?
Yes, but coverage depends on the IMG plan. Visitors Protect provides limited coverage for eligible pre-existing conditions for travelers up to age 99, while Patriot America Plus, Patriot America Platinum, and Visitors Care provide coverage for the acute onset of pre-existing conditions, subject to the plan's age limits, benefit limits, and policy terms.
- Visitors Protect: Limited pre-existing condition coverage up to age 99
- Patriot America Plus: Acute onset coverage for travelers under age 70
- Patriot America Platinum: Acute onset coverage for eligible travelers, with plan-specific limits
- Visitors Care: Acute onset coverage for eligible travelers, subject to plan terms
Important: Acute onset coverage generally applies to a sudden and unexpected recurrence requiring immediate medical treatment; it does not mean that routine treatment or ongoing management of a pre-existing condition is covered. See our IMG travel insurance for pre-existing conditions guide to compare available plans, coverage limits, and eligibility.