What is Visitors Preferred insurance?
The Visitors Preferred plan is a short-term Comprehensive benefit medical insurance product designed for individuals and families traveling from their home country to the United States (including border entry protection). Visitors Preferred US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.
This temporary medical insurance includes the medical coverage you expect for emergencies like hospitalizations and surgery, as well as coverage for minor issues that may only require a telehealth appointment or a visit to a walk-in clinic. You can customize your plan with a variety of maximum limits and deductibles, giving you the power to decide which options are best for your trip. This plan offers coverage from 5 days to 364 days.
After buying the plan, Traveler can get all the Visitors Preferred id card and all the plan document by using Visitors Preferred insurance login. At American Visitor Insurance, USA Travelers can contact the Visitors Preferred insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Visitors Preferred Insurance Reviews
How much is Visitors Preferred travel insurance coverage?
What is a deductible in Visitors Preferred insurance?
What is a PPO network in Visitors Preferred insurance?
What are the key highlights of Visitors Preferred insurance?
- Temporary health insurance for non-U.S. residents traveling to the USA.
- Border entry protection covered up to $500 maximum limit.
- Acute on set of pre-existing conditions covered up to 70 years.
- Coverage available from 5 days to 364 days, renewable up to 2 years
- Short-term travel medical coverage for individuals, groups, and their dependents.
- Emergency medical evacuation covered up to $1,000,000
- Urgent Care Clinic covered up to $15 copay.
- Virtual Visit / Telemedicine is included
- Offers coverage for adventure sports and other sports activities
Who is eligible for Visitors Preferred insurance plan?
- Available for Non US residents traveling to the United States
- For ages 14 days to 99 years.
- Coverage from 5 days to 364 days.
What is coinsurance for Visitors Preferred visitor insurance?
For treatment received within the U.S :
- In the PPO Network: The plan pays 100%.
- Outside the PPO Network: The plan pays 80% of eligible expenses, insured pays 20%.
How much does Visitors Preferred insurance cost per month?
The Visitors Preferred cost per month ranges between $43 to $746. This is dependent on a few factors namely the age of the traveler, the plan maximum 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 up to age of 64 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000. Travelers aged 65 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.
For Example here we are showing Visitors Preferred travel insurance cost for one month with deductible of $250.
| Age of traveler | Medical maximum $50,000 | Medical maximum $100,000 |
|---|---|---|
| 18 – 29 years | $43 | $55 |
| 30 – 39 years | $55 | $76 |
| 40 – 49 years | $77 | $97 |
| 50 – 59 years | $127 | $160 |
| 60 -64 years | $148 | $194 |
| 65 – 69 years | $169 | $217 |
| 70 – 79 years | $252 | Not available |
For senior travelers aged 80 to 99, the cost is $746, with a maximum coverage of $10,000 and a deductible of $250.
What are the benefits of Visitors Preferred insurance?
-
Telehealth Consultation Applicable in the United States
Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of InsuranceHome Nursing Care help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumAssistant Surgeon help 20% of the primary surgeon’s eligible fee
U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumBedside visit help $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
U.S. In-Network: 90% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumOutpatient Surgical / Hospital Facility help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumLaboratory help Up to the maximum limit Chemotherapy / Radiation Therapy help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumPre-Admission Testing U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumReconstructive Surgery help surgery is incidental to and follows surgery that was covered under the plan
U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumAnesthesia help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumChiropractic Care help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumExtended care facility help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumEmergency eye examination help $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
U.S. In-Network: Not Available
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumHospital room and board help Average semi-private room rate, including nursing services
U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumRadiology / X-ray help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumPhysician visits help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumPhysical Therapy help Up to the maximum limit (Medical order or treatment plan required) Walk-In Clinic help $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumUrgent Care Clinic help $15 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumTraumatic Dental Injury help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumSurgery help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumIntensive care unit help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumDurable medical equipment help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumEmergency dental treatment help $300 maximum limit due to accident or unexpected pain to sound natural teeth
U.S. In-Network: Not Available
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumPrescription Drugs and Medications help Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) Supplemental Accident help Maximum limit per covered accident: $300 Hospital emergency room help Outside the U.S: 80% up to policy maximum
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limitPhysician visits help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximum -
Emergency Local Ambulance help U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumNatural Disaster Evacuation help $25,000. U.S. In-Network: 100% up to policy maximum
U.S. Out-of-Network: 80% up to policy maximum
International: 100% up to policy maximumPolitical evacuation and repatriation help $100,000 maximum limit. Not subject to deductible Emergency medical evacuation help Up to $1,000,000 Return of mortal remains or cremation/burial help Up to the Period of Coverage limit, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible Emergency local ambulance help Up to the maximum limit. Return of minor children help $100,000 maximum limit. Not subject to deductible Natural disaster evacuation help $25,000 maximum limit. Not subject to deductible Emergency reunion help $100,000 maximum limit , 15 days maximum. Not subject to deductible Remote transportation help $5,000 per certificate period / $20,000 maximum limit -
Accidental death & dismemberment help $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible Personal liability help $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person's property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person's property. Border Entry Protection $500 maximum limit. Not subject to deductible Common carrier accidental death help $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible -
Pre-Existing Conditions help Charges resulting directly or indirectly from or relating to any Pre-Existing Condition are excluded from coverage under this insurance. Acute Onset of Pre-Existing Conditions help Up to the maximum limit.(Insured person must be under 70 years of age) Pre-Existing condition medical evacuation $25,000 maximum limit for emergency medical evacuation -
Lost luggage help $100 per item, $500 maximum limit. Not subject to deductible
What Optional Riders are included in Visitors Preferred insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Visitors Preferred travel insurance for adventure sports
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
2. Device Protection
Available in select countries on individual plans only
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip—so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
3. Teladoc Rider
Insured Person meets the eligibility requirements, they are eligible for this rider
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation | Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
What is the Visitors Preferred Insurance PPO network?
IMG maintains when inside the U.S., the unitedhealthcare plan 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.
local_hospital Visitors Preferred PPO network »Visitors Preferred insurance FAQ’s
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
To buy the Visitors Preferred insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Visitors Preferred travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Yes, the Visitors Preferred insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Visitors Preferred can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Yes, the Visitors Preferred insurance covers acute on set of pre-existing condtions Up to the maximum limit.(Insured person must be under 70 years of age).$25,000 maximum limit for emergency medical evacuation
Visitors Preferred Insurance is available for US citizens residing outside USA and visiting USA for short term.Visitors Preferred insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Travelers can review this article on how to use Visitors Preferred visitor medical insurance in case of emergency in USA.
Yes. Visitors Preferred insurance have $50 cancellation fee after the effective date.
Yes. Adventure sports coverage is available as optional rider up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
How do I file a claim with Visitors Preferred Insurance?
To file a claim with Visitors Preferred Insurance, follow these steps:
- Download the Claims Form: Access the Visitors Preferred 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 Preferred Insurance?
Visitors Preferred Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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