📌 Visitors Care Lite Travel Insurance for Visitors to the USA
Ideal for international visitors to the U.S., Starting at just $1.00/day
Visitors Care Lite Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America.
Key Features:- Coverage from 5 days to 2 years
- It offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
- Visitors Care Lite offers up to $25,000 coverage for ages 0–79 and $10,000 for ages 80+
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
At American visitor insurance, US Travelers can contact the Visitors Care lite customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
⭐ Visitors Care Lite Insurance Reviews
🧾 How Much is Visitors Care Travel Insurance Coverage?
The policy maximum amount of coverage is the total dollar amount of benefits available under the Visitors Care plan. Once the maximum is reached, no additional benefits will be paid.
- $25,000.
📉 What is a Deductible in Visitors Care Lite Insurance?
The deductible is the amount the insured must pay before Visitors Care Lite insurance starts to cover expenses.
Visitors Care Lite insurance has deductible options of : $0, $50, $100.
❓ Why Should I Buy Visitors Care Lite Insurance?
Visitors Care Lite Insurance is an affordable limited travel medical insurance plan designed for non-U.S. residents visiting the United States. It is administered by IMG (International Medical Group) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A- (Excellent) by A.M. Best, ensuring financial strength and dependable claims service. This plan is ideal for short-term visitors, parents, students, and tourists seeking basic medical protection at an economical price.Here are the key reasons to choose Visitors Care Lite Insurance:
- Budget-friendly limited coverage: Offers scheduled benefits for eligible medical expenses such as doctor visits, hospitalization, and emergency medical treatment. This structure keeps premiums low while providing essential protection for unexpected illnesses or injuries.
- Emergency medical evacuation: Provides coverage up to $25,000 maximum for emergency medical evacuation to the nearest appropriate medical facility in the event of a serious medical emergency, ensuring timely access to care.
- Urgent care clinic coverage: Covers urgent care visits up to $40 per visit, with a maximum of 10 visits per coverage period, offering affordable access for minor illnesses or injuries.
- Network access and direct billing: Access to the UnitedHealthcare PPO and First Health PPO networks within the U.S., which may allow direct billing and reduce out-of-pocket costs when using participating providers.
- Flexible policy duration: Coverage can be purchased from a minimum of 5 days up to 365 days, and it can be renewable up to 2 years
- Ideal for parents or family visitors: Visitors Care Lite is a popular choice among parents visiting their children in the U.S., offering reliable protection at an economical cost.
👤 Who is Eligible for Visitors Care Lite Insurance Plan?
- Non US citizens travelling outside their home country.
- For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
♻️ Can the Visitors Care Lite Insurance be Extended or Renewed?
- Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.
💰 How Much Does Visitors Care Lite Insurance Cost?
The Visitors Care Lite insurance cost per month is starting at just $30 to $143 per month, based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0–79: $25,000, $50,000 & $100,000
- Ages 80: $10,000
Example: Below is the monthly cost of Visitors Care Lite insurance of coverage with a $100 deductible, provided by American Visitor Insurance.
✅ Plan Benefits of IMG Visitors Care Lite Insurance
🏥 Visitors Care Lite Insurance – PPO Network
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »❓ Visitors Care Lite Insurance - FAQ's
Visitors Care Lite insurance offers fixed benefit coverage for medical expenses. Visitors Care Lite Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
For detailed working example of how it works, you can IMG Visitors Care insurance reviews working example
Travelers can review this article on how to use Visitors Care Lite insurance in case of emergency in USA.
Visitors Care Lite is a fixed benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
The Visitors care lite cost depends on the age of the applicant, the chosen deductible, and the maximum limit. The deductible options are $0, $50, or $100. The maximum limit options is $25,000, $50K. You can get a quote for this plan on American Visitor Insurance.
Visitors Care Lite health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.
No, Visitors Care Lite visitor health insurance USA does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.
If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as iTravelInsured Travel SE, iTravelInsured Travel LX or iTravelInsured Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.
Some of the exclusions of Visitors Care Lite insurance are:
- 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.
No, you do not need to use a network provider to get treatment under Visitors Care Lite health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
Find Provider Network »
📝 How Do I File a Claim with Visitors Care Lite Insurance?
To file a claim with Visitors Care Lite Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
🚫 Visitors Care Lite Insurance Restrictions
Visitors Care Lite is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
❓Do You Have questions?
Our support team is ready to assist you.
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