IMG Visitors Care Insurance
Affordable health coverage for international travelers visiting the United States. Covers hospital, ER, surgery, acute pre-existing conditions & COVID-19.
What is Visitors Care Insurance?
Visitors Care Insurance is an affordable fixed coverage visitor insurance plan from International Medical Group (IMG), designed for international travelers visiting the USA. It offers low-cost visitor health insurance USA coverage for unexpected illness or injury, making it a popular choice among parents, relatives, and friends visiting the USA.
Fixed-benefit plan: Offers clearly defined payout limits for each covered expense. It is more affordable than comprehensive plans, making it a great choice for budget-conscious travelers who want essential protection.
Who Is Visitors Care Insurance Best Suited For?
Affordable coverage for short- to medium-length stays, including protection for acute onset of pre-existing conditions.
Guards against major unexpected medical expenses while keeping premiums low.
Peace of mind for brief work trips, with flexible coverage start and end dates.
Those with chronic pre-existing conditions, stays longer than 12 months, or travelers who need trip cancellation coverage.
Visitors Care Plan Options
Choose from three coverage levels to match your budget and medical needs. All plans include COVID-19 coverage, emergency medical evacuation, and acute onset of pre-existing conditions coverage.
$24/month
Age 18-29 · $100 deductible$28/month
Age 18-29 · $100 deductible$38/month
Age 18-29 · $100 deductibleWhy Buy Visitors Care Insurance?
Visitors Care Insurance is an affordable visitor health insurance plan for international travelers visiting the USA. It provides low-cost visitor medical coverage with flexible options and essential protections for your U.S. stay.
- check_circleAcute onset of pre-existing conditions covered up to your chosen policy maximum.
- check_circleCoverage periods from 5 days to 364 days, renewable up to 2 years - ideal for short-term and extended visits.
- check_circleEmergency medical evacuation included up to the policy maximum for unexpected events.
- check_circleLimited coverage for medical expenses, keeping premiums budget-friendly while protecting against high U.S. healthcare costs.
- check_circleCOVID-19 coverage treated like any other illness or injury.
- check_circleUrgent Care Clinic visits $25 copay, waived with a $0 deductible for added convenience.
Visitors Care is one of the best choices for affordable visitor insurance in the USA, offering cheap, reliable, fixed-benefit medical coverage for seniors, parents, and international travelers.
Who Is Eligible for Visitors Care Insurance Plan?
- check_circleTemporary fixed coverage health insurance for non-U.S. residents visiting the USA
- check_circleCovers individuals aged 14 days to 99 years
- 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
Can the Visitors Care Insurance Be Extended or Renewed?
Visitors Care American Health insurance can be renewed for a total duration of up to 2 years, provided there is no break in coverage. Each policy period cannot exceed 12 months. A $5 renewal fee is charged in addition to the premium cost.
Renew Now →
How Much Does Visitors Care Insurance Cost?
The Visitors Care cost per month ranges between $24 to $147. The cost depends on traveler's age, selected policy maximum, and deductible amount. Older travelers have higher premiums; higher maximums increase premium while higher deductibles lower it.
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.
What Are the Benefits of Different IMG Visitors Care Insurance Plans?
| Benefit | Visitors Care Lite | Visitors Care Plus | Visitors Care Platinum |
|---|---|---|---|
| COVID-19 | |||
| Covered as any other illness or injury | |||
| Hospital Room & Board | |||
| Per day max (30 day max) | $825/day | $1,450/day | $2,000/day |
| Surgery | |||
| Per surgical session | Up to $2,000 | Up to $3,300 | Up to $5,500 |
| Intensive Care Unit | |||
| Additional per day (8 day max) | $400/day | $660/day | $850/day |
| Hospital Emergency Room | |||
| Per visit | $200 | $375 | $600 |
| Physician Visits | |||
| Per visit (10 max visits) | $40 | $70 | $85 |
| Urgent Care Clinic | |||
| Per visit (10 max visits) | $40 | $70 | $100 |
| Walk-In Clinic | |||
| Per visit (10 max visits) | $40 | $70 | $100 |
| Diagnostic Laboratory & Radiology | |||
| Max per period of coverage | $400 ($200/procedure) | $450 ($250/procedure) | $500 ($500/procedure) |
| Outpatient Surgical Facility | |||
| Per surgical session | $750 | $900 | $1,000 |
| Chemotherapy / Radiation | |||
| Per visit | $550 | $1,100 | $1,350 |
| Physical Therapy | |||
| Per visit (12 max visits) | $40 | $40 | $40 |
| Pre-Admission Testing | |||
| Per period | $750 | $1,100 | $1,100 |
| Assistant Surgeon | |||
| Per surgical session | $450 | $825 | $1,375 |
| Anesthesia | |||
| Per surgical session | $450 | $825 | $1,375 |
| Prescription | |||
| Per period | $250 | $150 | $250 |
| Reconstructive Surgery | |||
| Coverage | Covered | Covered | Covered |
| Dental Accident | |||
| Per period | $550 | $550 | $550 |
| Benefit | Visitors Care Lite | Visitors Care Plus | Visitors Care Platinum |
|---|---|---|---|
| Emergency Medical Evacuation | |||
| Maximum | $25,000 | $25,000 | $50,000 |
| Return of mortal remains or cremation/burial | |||
| Maximum / Cremation or Burial | $25,000 / $5,000 | $25,000 / $5,000 | $25,000 / $5,000 |
| Terrorism | |||
| Per period | $50,000 | $50,000 | $50,000 |
| Emergency Local Ambulance | |||
| Per period | $250 | $450 | $475 |
| Durable Medical Equipment | |||
| Per period | $550 | $1,000 | $1,300 |
| Benefit | Visitors Care Lite | Visitors Care Plus | Visitors Care Platinum |
|---|---|---|---|
| Incidental Trip | |||
| Maximum duration | 14 days | 14 days | 14 days |
| Common Carrier Accidental Death | |||
| Per coverage period | $25,000 | $25,000 | $25,000 |
| Benefit | Visitors Care Lite | Visitors Care Plus | Visitors Care Platinum |
|---|---|---|---|
| Acute Onset of Pre-Existing Conditions | |||
| Per coverage period | $25,000 | $50,000 | $100,000 |
| Pre-Existing Condition Medical Evacuation | |||
| Per period | $25,000 | $25,000 | $25,000 |
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%.
The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.
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 Are the Restrictions of Visitors Care Insurance?
IMG visitor insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
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.
How Does Visitors Care Insurance Works?
Your policy covers sudden illness, accidental injury, COVID-19 and acute onset of pre-existing conditions (unexpected, life-threatening flare-ups only). Routine and planned care is excluded.
Show your IMG insurance ID card at a PPO provider (United Healthcare or First Health network) to reduce out-of-pocket costs. Out-of-network providers are allowed - but you pay upfront and claim reimbursement later.
Provider bills IMG directly. You pay your deductible + any gap above the fixed benefit amount.
Pay the full bill upfront, keep all itemised receipts, then submit a reimbursement claim to IMG.
This is a fixed benefit plan. IMG pays pre-set dollar amounts per service - not a percentage of the actual hospital bill. You are responsible for the gap between what the hospital charges and what the plan pays.
| Service | Hospital bills | IMG pays | You pay |
|---|---|---|---|
| ER visit | $1,200 | $375 | $825 |
| Hospital room (2 nights) | $8,000 | $2,900 | $5,100 |
| Surgery | $12,000 | $3,300 | $8,700 |
| Deductible (once per period) | — | — | $100 |
| Total | $21,200 | $6,575 | $14,725 |
Submit your claim documents to IMG for reimbursement of all covered benefit amounts. Keep every receipt, bill, and doctor's note - IMG needs itemised documentation.
1. Download claim form at imglobal.com
2. Attach all itemised bills & receipts
3. Mail or email to IMG
Phone: 1-800-628-4664
Email: customercare@imglobal.com
Mail: PO Box 240429, Apple Valley, MN 55124, USA
IMG pays covered amounts by cheque or direct deposit in US dollars. Your policy stays active until it expires or until you reach your chosen plan maximum. Once the maximum is hit, no further benefits are paid for that period.
Visitors Care Insurance - FAQs
For detailed working example of how it works, you can review IMG Visitors Care insurance reviews
Find Provider Network »
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the IMG family!
- 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.
- War, military action, terrorism, and related consequences.
- Pre-existing conditions, defined as a medical or health condition (whether physical or mental, regardless of the cause of the condition) that existed before the policy effective date.
- Preventative care, such as routine physical examinations and immunizations.
- Vision care, such as eye examinations, eyeglasses, contact lenses, or eye surgery.
- Dental care, except for dental injury or emergency dental treatment due to an accident.
- Maternity care, abortion, birth control, or infertility treatment.
- Mental health disorders, substance abuse, or suicide attempts.
- Sports and recreational activities that are hazardous or extreme.
Why Should I Buy Visitors Care Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different IMG plans
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best IMG plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying IMG.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for IMG claims should you need to use the insurance coverage while on your vacation.
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