Visitors Care Insurance

Ideal for Parents Visiting USAPre existing conditionsCovid-19 Coverage

Visitors Care insurance cost

Age & Citizenship
Destinations
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International Medical Group Insurance

Visitors Care Insurance

Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Key benefits of Visitors Care Insurance

Acute onset of pre existing conditions

Fixed benefit plan

PPO network

Cheaper visitor insurance

Renewability

Limited coverage for medical expenses

Visitors Care insurance

Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains a wide network of health care providers.

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Visitors Care Insurance Reviews

Insurance provider
International Medical Group
Visitors Care Insurance Rating
AM Rating: A(Excellent)
Policy maximum
$25k, $50k, $1M
Deductible options
$0, $50, $100 per period of coverage
Period of Coverage
5 days to 2 years
Visitors Care Insurance Renewal
Visitors Care Insurance can be renewed online to 2 years unless there is a break in coverage.
Visitors Care Travel Medical Insurance Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation (publ)

Visitors Care Links

Key Highlights of Visitors Care

Key Highlights of Visitors Care

  • It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan
  • This plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25k up to $1M depending on the selected policy maximum
  • This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
  • The plan has a pre existing rider that provides coverage of $5k for ages of 0 – 69 years and provides coverage of $2,500 for travelers aged above 70 years
  • Limited coverage for medical expenses.

IMG Visitors Care health insurance summary


Visitors Care Eligibility
  • 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.

Visitors Care Travel Renewability
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.

Visitors Care International Emergency Care
  • Emergency Evacuation
    Visitors Care Lite, Plus & Platinum - $25k
  • Return of Mortal Remains or Cremation/Burial
    $25k max with $5k max for Cremation/Burial.

Visitors Care Insurance Special Coverage
  • Incidental Home Country Coverage
    During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
  • Common Carrier Accidental Death Coverage
    $25k.

Visitors Care health insurance for foreign visitors – FAQ’s

01. How does Visitors Care insurance work?

Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care 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

02. How can a visitor use Visitors Care insurance in case of emergency in USA?

Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

03. Which is the most affordable plan offered by International medical group?

Visitors Care 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.

04. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Img global has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

05. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

06. How much does Visitors Care insurance cost?

The cost of Visitors Care health insurance 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 are $25K, $50K, or $100K. You can get a quote for this plan on American Visitor Insurance.

07. What is the acute onset of pre-existing conditions coverage of Visitors Care health insurance?

Visitors Care 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.

8. Does IMG Visitors care insurance covers trip cancellation?

No, Visitors Care 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 Travel SE, Travel LX or Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.

9. What are the exclusions of Visitors Care insurance?

Some of the exclusions of Visitors Care 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.
10. Do I need to use a network provider to get treatment under Visitors Care health insurance?

No, you do not need to use a network provider to get treatment under Visitors Care 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 »

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Plan benefits of IMG Visitors Care Insurance

  • Lite

    Plus

    Platinum

    COVID-19/SARS-CoV-2 Coverage
    Visitors Care insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Hospital room and board
    Up to $825 max per day 30 day max per period of coverage Up to $1,400 max per day 30 day max per period of coverage Up to $2k max per day 30 day max per period of coverage
    Surgery
    In-Patient & Outpatient - Up to $2k max per surgical session In-Patient & Outpatient - Up to $3,300 max per surgical session In-Patient & Outpatient - Up to $5,500 max per surgical session
    Intensive care unit
    Up to an additional $400 max per day, 8 day max per period of coverage Up to an additional $660 max per day, 8 day max per period of coverage Up to an additional $850 max per day, 8 day max per period of coverage
  • Lite

    Plus

    Platinum

    Physician visits
    $40 max per visit, 30 max visits per period of coverage $60 max per visit, 30 max visits per period of coverage Up to $85 max per visit, 30 max visits per period of coverage
    Urgent Care Clinic
    $40 max per visit/10 max visits $60 max per visit/10 max visits $85 max per visit/10 max visits
    Radiology / X-ray
    Up to $400 max per period of coverage ($200 per procedure) Up to $450 max per period of coverage ($250 per procedure) Up to $500 max per period of coverage ($500 per procedure)
    Outpatient Surgical Facility
    Up to $750 max per surgical session Up to $900 max per surgical session Up to $1k max per surgical session
    Physical Therapy
    Up to $40 max per visit per day, 12 max visits per period of coverage Up to $40 max per visit per day, 12 max visits per period of coverage Up to $40 max per visit per day, 12 max visits per period of coverage
    Pre-Admission Testing
    Up to $750 max per period of coverage Up to $1,100 max per period of coverage Up to $1,100 max per period of coverage
    Assistant Surgeon
    Up to $450 max per surgical session Up to $825 max per surgical session Up to $1,375 max per surgical session
    Anesthesia
    Up to $450 max per surgical session Up to $825 max per surgical session Up to $1,375 max per surgical session
    Prescription Drugs and Medications
    Up to $250 per period of coverage Up to $250 per period of coverage Up to $250 per period of coverage
  • Lite

    Plus

    Platinum

    Emergency local ambulance
    Up to $250 max per period of coverage Up to $450 max per period of coverage Up to $475 max per period of coverage
    Hospital emergency room
    $200 max per visit $330 max per visit $550 max per visit
  • Emergency dental treatment Up to $550 max per period of coverage or unexpected pain to sound natural teeth
  • Lite

    Plus

    Platinum

    Terrorism
    $50k maximum limit. Not subject to deductible
    Emergency medical evacuation
    Up to $25k max Up to $50k max Up to $50k max
    Return of mortal remains or cremation/burial
    $25k max with $5k max for Cremation/Burial $25k max with $5k max for Cremation/Burial $25k max with $5k max for Cremation/Burial
  • Lite

    Plus

    Platinum

    Acute Onset of Pre-Existing Conditions Up to the maximum limit.(Insured person must be under 70 years of age)
    $25k max per coverage period (subject to sub-limits) $50k max per coverage period (subject to sub-limits) $1M max per coverage period (subject to sub-limits)
    Pre-Existing condition medical evacuation
    Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25k max per period of coverage
  • Common carrier accidental death $25k max per period of coverage
  • Incidental Emergency in the U.S. Insured person's country of residence is not the United States 14 day maximum
    Extended care facility Covered under Hospital Room & Board (Upon direct transfer from an acute care hospital)

Visitors Care Insurance Restrictions

Visitors Care is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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