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IMG Travel insurance for US citizens visiting USA

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What does visitor travel insurance cover?

Health care expenses
Covers hospital expenses for sickness or accidents.
Doctor visit
Insures Doctor visits for sudden injury or sickness.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.
Medical evacuation
Medical evacuation expenses to nearest facility included.
Repat of remains
Repatriation of remains to home country included.

IMG has travel insurance for US travelers visiting USA

Patriot America Lite

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  • Eligibility to buy Patriot America Lite insurance
    • People travelling outside their home country whose destination includes the US and its territories.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past six months and they must have a current health plan in force.
    • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
    • This plan can be renewed for up to 2 years.
  • Patriot America Lite Visitor insurance renewal
    • Patriot America Lite visitor insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Coinsurance of IMG Patriot America Lite Insurance
    • For treatment received outside the U.S: No coinsurance
    • For treatment received within the U.S:
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Lite Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**

Patriot America Plus

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  • Patriot America Plus insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Coinsurance of IMG Patriot America Plus Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Covers pre-Existing condition medical evacuation up to $25k maximum limit.
  • Patriot America Lite Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**

Patriot Platinum America

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  • Patriot Platinum America insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Coinsurance of IMG Patriot Platinum America Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Platinum travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Covers pre-Existing condition medical evacuation up to $25k maximum limit.
  • Patriot America Platinum Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider**

Visitors Protect Insurance

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  • Visitors Protect insurance Eligibility
    • Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
    • Travelers from age 14 days to 99 years..
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Coverage from 90 days to 12 months.
  • Coinsurance of IMG Visitors Protect Insurance
    • In the PPO Network: The plan pays 75% of the cost for eligible expenses in the United States.
    • Outside the PPO Network: The plan pays 60% in addition to the deductible.
  • Visitors Protect travel insurance coverage for pre-existing conditions
    • The plan offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived).
    • Maximum limit through age 69: $25,000
    • Maximum limit ages 70 and older: $20,000

IMG offering Trip insurance plans for US citizens and residents

iTravelInsured Travel Lite

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  • iTravelInsured Travel Lite Trip Protection Benefits
    • Trip Cancellation - Up to 100% of insured trip cost
    • Trip Interruption - Up to 125% of insured trip cost per person
    • Travel Delay - $500 ($125 per day after an inital delay of 12 hours)
    • Medical Evacuation and Repatriation of Remains Benefit - Up to $500,000 per person
  • iTravelInsured Travel Lite Protection For Your Belongings
    • Baggage and Personal Effects - $750 ($250 max per item)
    • Replacement of Passport, Visa, or Other Travel Documents - Included
    • Baggage Delay - Up to $150
  • iTravelInsured Travel Lite Plan Summary
    • US Residents on domestic and worldwide trips
    • Maximum trip duration: 180 days
    • Maximum age insured: 99 years
    • Pre-existing condition review period: 60 days
    • Minimum trip cost to be insured: $200
    • Maximum trip cost to be insured: $25,000
    • Coverage type: Excess/Secondary

iTravelInsured Travel SE

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  • iTravelInsured Travel SE Trip Protection Benefits
    • Trip Cancellation - Up to 100% of insured trip cost
    • Trip Interruption - 150% of trip cost
    • Travel Delay - $2000 ($125 per day after an inital delay of 12 hours)
    • Medical Evacuation and Repatriation of Remains Benefit - Up to $500,000 per person
  • iTravelInsured Travel SE Protection For Your Belongings
    • Baggage and Personal Effects - $1,500 ($250 max per item)
    • Replacement of Passport, Visa, or Other Travel Documents - Included
    • Baggage Delay - Up to $250
  • iTravelInsured Travel SE Plan Summary
    • US Residents on domestic and worldwide trips
    • Ideal plan for family
    • Maximum trip duration: 180 days
    • Maximum age insured: 99 years
    • Pre-Existing Condition Exclusion Waiver: Yes, within 20 days of initial trip deposit
    • Pre-existing condition review period: 60 days
    • Minimum trip cost to be insured: $300
    • Maximum trip cost to be insured: $150,000
    • Children under 18 years are covered at no additional charge per eligible insured adult
    • Coverage type: Primary
    • Rental car damage, theft and includes loss of coverage
    • Pet kennel benefits are available to reimburse additional kennel fees when you are dealyed past the scheduled return date for at 12 consecutive hours while enroute to yoyr destination, Additional terms apply.

iTravelInsured Travel LX

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  • iTravelInsured Travel LX Trip Protection Benefits
    • Trip Cancellation - Up to 100% of the non-refundable insured trip cost
    • Trip Interruption - 150% of trip cost
    • Travel Delay - Up to $250 per day per person($2,500 max per person)
    • Medical Evacuation and Repatriation of Remains Benefit - Up to $1,000,000 per person
  • iTravelInsured Travel LX Protection For Your Belongings
    • Baggage and Personal Effects - $2,500($250 max per item)
    • Replacement of Passport, Visa, or Other Travel Documents - Included
    • Baggage Delay - Up to $500
  • iTravelInsured Travel LX Plan Summary
    • US Residents on domestic and worldwide trips
    • Maximum trip duration: 180 days
    • Maximum age insured: 99 years
    • Pre-Existing Condition Exclusion Waiver: Yes, if purchased within 24 hours of final trip payment
    • Pre-existing condition review period: 60 days
    • Minimum trip cost to be insured: $500
    • Maximum trip cost to be insured: $150,000
    • Coverage type: Primary

IMG US travelers insurance - Frequently Asked Questions

01. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

02. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

03. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

04. Who is eligible to buy the IMG Plans offered by International Medical Group (IMG)?

All US citizens and US residents are eligible to buy IMG trip cancellation plans. They can buy these trip cancellation plans for travel both within the US as well as outside the country.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
  2. Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02.  What does full coverage for Pre-Existing Conditions mean?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What services are covered under visitors insurance full pre-existing coverage?

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

06.  Do IMG travel insurance plans really cover all pre-existing conditions?

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

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IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine


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