IMG Visitors Care Insurance
Cheap visitor health insurance for visiting the US.
What is 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 cheapest 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. Visitor Care Insurance plan has three options:
- Visitors Care Lite: $25,000 policy maximum
- Visitors Care Plus: $50,000 policy maximum
- Visitors Care Platinum: $100,000 policy maximum
Traveler can get all the plan document and plan id card by using Visitors Care insurance login. At American Visitor Insurance, International travelers can contact the Visitors Care insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
IMG Visitors Care Insurance Reviews
Why buy Visitors Care insurance?
- It is an affordable plan for visitors visiting the US.
- Acute onset of pre-existing condition covered up to policy maximum.
- Coverage available from 5 days to 364 days, renewable up to 2 years.
- Emergency medical evacuation covered up to policy maximum.
- Limited coverage for medical expenses.
- Offers coverage for COVID-19 as any other Illness or Injury.
- Urgent Care Clinic: $25 copay, waived with a $0 deductible.
Who is eligible for Visitors care insurance plan?
- Temporary fixed coverage health insurance for non-U.S. residents visiting the USA
- Covers individuals aged 14 days to 99 years
- Visitors 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?
How much does Visitors Care insurance cost?
The Visitors Care cost per month is ranges between $30 to $143. This is dependent on the factors namely age of the traveler, length of insurance coverage, plan limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $25,000, $50,000 & $100,000 up to 79 years. $10,000 is available for people ages over 80.
For Example here we are showing price for one month with deductible of $100.
| Age of traveler | Maximum $25,000 | Maximum $50,000 | Maximum $100,000 |
|---|---|---|---|
| 18 - 29 years | $18 | $28 | $38 |
| 30 - 39 years | $20 | $32 | $42 |
| 40 - 49 years | $21 | $33 | $45 |
| 50 - 59 years | $30 | $46 | $64 |
| 60 - 69 years | $36 | $57 | $78 |
| 70 - 79 years | $60 | $97 | $142 |
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?
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Visitors Care Lite
Visitors Care Plus
Visitors Care Platinum
COVID-19 Visitors Care insurance offers coverage for COVID-19 as any other Illness or Injury. Hospital room and board help Up to $825 max per day 30 day max per period of coverage (Average semi-private room rate Includes extended care facility, misc and ancillary services) Up to $1,450 max per day 30 day max per period of coverage (Average semi-private room rate Includes extended care facility, misc and ancillary services) Up to $2,000 max per day 30 day max per period of coverage (Average semi-private room rate Includes extended care facility, misc and ancillary services) Surgery help In-Patient & Outpatient - Up to $2,000 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 help 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 Hospital emergency room help $200 max per visit $375 max per visit $600 max per visit Pre-Certification 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 Physician visits help $40 max per visit 10 max visits per period of coverage $70 max per visit 10 max visits per period of coverage $85 max per visit 10 max visits per period of coverage Urgent Care Clinic help $40 max per visit/10 max visits $70 max per visit/10 max visits $100 max per visit/10 max visits Walk-In Clinic help $40 max per visit/10 max visits Not available Not available Diagnostic Laboratory and Radiology help 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/Hospital Facility help Up to $750 max per surgical session Up to $900 max per surgical session Up to $1K max per surgical session Chemotherapy / Radiation Therapy help $550 max per visit $1,100 max per visit $1,350 max per visit Physical Therapy help 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 $1.1k max per period of coverage Up to $1.1k max per period of coverage Assistant Surgeon help Up to $450 max per surgical session Up to $825 max per surgical session Up to $1375 max per surgical session Anesthesia help Up to $450 max per surgical session Up to $825 max per surgical session Up to $1375 max per surgical session Prescription help Up to $250 per period of coverage Up to $150 per period of coverage Up to $250 per period of coverage Reconstructive Surgery help Covered Covered Covered Dental Accident help Up to $550 max per period of coverage Up to $550 max per period of coverage Up to $550 max per period of coverage -
Visitors Care Lite
Visitors Care Plus
Visitors Care Platinum
Emergency medical evacuation help Up to $25,000 max Up to $25,000 max Up to $50,000 max Return of mortal remains or cremation/burial help $25,000 max with $5,000 max for cremation/burial $25,000 max with $5,000 max for cremation/burial $25,000 max with $5,000 max for cremation/burial Terrorism help $50,000 max per period of coverage $50,000 max per period of coverage $50,000 max per period of coverage Emergency local ambulance help Up to $250 max per period of coverage Up to $450 max per period of coverage Up to $475 max per period of coverage Durable medical equipment help $550 max per period of coverage $1k max per period of coverage $1.3k max per period of coverage -
Visitors Care Lite
Visitors Care Plus
Visitors Care Platinum
Incidental Trip 14 day maximum 14 day maximum 14 day maximum Common carrier accidental death help $25,000 max per coverage period $25,000 max per coverage period $25,000 max per coverage period -
Visitors Care Lite
Visitors Care Plus
Visitors Care Platinum
Acute Onset of Pre-Existing Conditions help $25,000 max per coverage period $50,000 max per coverage period $100,000 max per coverage period Pre-Existing condition medical evacuation $25,000 max per period of coverage $25,000 max per period of coverage $25,000 max per period of coverage
What optional benefits are included in Visitors Care Insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
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.
What is the Visitors Care Insurance PPO network?
IMG maintains when inside the U.S., the United HealthCare IMG which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Visitors Care healthcare insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Visitors Care PPO network »Visitors Care health insurance for foreign visitors – FAQ’s
Visitors Care medical insurance for travel to usa offers 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
Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
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.
No, Visitors Care American visitor insurance 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.
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 »
- 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!
Yes, Visitors Care insurance can be canceled, but the eligibility for a refund depends on the terms of the policy and the time of cancellation.
- 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.
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.
How do I file a claim with Visitors Care Insurance?
To file a claim with Visitors Care Insurance, follow these steps:
- Download the Claims Form: Access the Visitors Care insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Visitors Care Insurance?
Compare quotes of Visitors Care insurance plan with other plans
Which nationalities most commonly purchase Visitors Care?
India
Canada
UK
China
Mexico
Nepal
Philippines
RussiaVisitors Care insurance blog
IMG visitors insurance plan with pre-existing coverage.