Visitors Care Lite Insurance

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.
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