Visitors Protect Insurance with pre-existing conditions coverage by IMG, IMG Visitors Protect pre existing conditions coverage travel insurance.

What is Visitors Protect insurance?

IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years, so you can spend more time enjoying your international experience not worrying about your medical coverage. US citizens living abroad and visiting USA can also buy Visitors Protect travel medical insurance. This plan can be available from 90 days to 12 months.

On the effecive date, must have legally departed the country of residence and legally entered the primary destination of the united states on an eligible nonimmigrant visa or similar arrangements. Green card holders and lawful permanent residents are not eligible for this coverage.

After buying the plan, Traveler can get the Visitors Protect insurance id card and all the plan document by using Visitors Protect travel insurance login. At American Visitor Insurance, USA Travelers can contact the Visitors Protect travel insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

Visitors Protect Insurance Reviews

Insurance provider
International Medical Group

Policy maximum
Maximum limits from $50k, $100k, $250k

Period of Coverage
90 days up to 12 months.

Underwriter
SiriusPoint Specialty Insurance Corporation

Rating
AM Rating : A-

PPO network
Part of United Healthcare network

Best for

Visiting to US, Mexico
Limited pre-existing condition coverage

Deductible options
Deductible options from
$250, $500, $1,000, $2,500 or $5,000

How much is Visitors Protect travel insurance coverage?

The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Visitors Protect insurance. Once reached, no other benefits will be available. Visitors Protect insurance has policy maximum options of $50,000, $100,000, $250,000

What is a deductible in Visitors Protect insurance?

The deductible is the Dollar amount that insured travelers need to pay for coverage before the Visitors Protect travel insurance actually starts to pay. Visitors Protect insurance has deductible options of $250, $500, $1,000, $2,500 or $5,000

What is a PPO network in Visitors Protect insurance?

A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Visitors Protect insurance PPO Network is United Healthcare network and First Health Network.

What is a Coinsurance in Visitors Protect insurance?

Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Visitors Protect insurance pays 75%. And Outside the PPO Network the plan pays 60% of eligible expenses up to $5,000, then 100% up to the maximum Limit.

What are the key highlights of Visitors Protect insurance?

Comprehensive plan for visiting U.S., Canada, and Mexico
Pre-existing conditions covered up to 99 years.
Coverage available from 90 days to 12 months, cannot be renewable
Emergency medical evacuation covered up to $25,000 policy maximum
Urgent care covered up to $25 copay
Care Clix consultation is a new benefit that allows you to consult with a doctor via video chat, mobile app, or phone for non-emergency issues.

Who is eligible for Visitors Protect insurance plan?

Provides coverage for individuals and families traveling from their home country to the U.S., Canada, and Mexico.
Available for ages 14 days to 99 years
Repurchases of this plan within twelve (12) months from the initial purchase must be made while outside the United States, Canada, and Mexico.
This plan is also available for Green Card holders as long as they reside outside the US.
Not have established a permanent residency in the Destination Country.
US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.

What is the Cancellation for Visitors Protect insurance plan?

$50 cancellation fee will be charged by the insurance company after effective date. Only full month premium will be considered for refund.

How much does Visitors Protect insurance cost per month?

The cost of Visitors Protect cost per month ranges between $449 to $2947 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 can choose maximum limits of $50,000, $100,000, $250,000 depending on the age of traveller up to age of 70 years. For above 70 years $50,000 is available.

For Example here we are showing price for 3 months with deductible of $500.

Age of traveler	Maximum of $50,000	Maximum of $100,000
40 - 49 years	$449	$562
50 -59 years	$668	$835
60 -69 years	$954	$1149
70 – 79 years	$2295	Not Avilable
Age 80 and bove	$2947	Not Avilable

Minimum purchase of this plan can be 90 days.

What are the benefits of Visitors Protect insurance?

Home Nursing Care help	Provided by a Home Health Care Agency Upon direct transfer from an acute care Facility United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Eligible Medical Expenses	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Assistant Surgeon help	20% of the primary surgeon’s eligible fee United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Outpatient Prescription Drugs help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Outpatient Surgical / Hospital Facility help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Laboratory help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Pre-Admission Testing	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Surgery	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Reconstructive Surgery help	Surgery is incidental to and follows Surgery that was covered under the plan United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Anesthesia help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Chiropractic Care help	Medical order or Treatment plan required United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Extended Care Facility help	Upon direct transfer from an acute care Facility United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Radiology / X-ray help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Physician visits help	Physician Visits / Services: United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Physical Therapy help	Inpatient and outpatient Medical order or treatment plan required United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Walk-In Clinic help	Not subject to deductible and coinsurance In-network copayment: $15 Out-of-network copayment: $25 United States (In-Network), Canada, Mexico: 100% United States (Out-of-Network): 100%
Hospitalization / Room & Board help	Average semi-private room rate Includes nursing services United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Urgent Care Clinic help	Not subject to deductible and coinsurance In-network copayment: $25 Out-of-network copayment: $50 United States (In-Network), Canada, Mexico: 100% United States (Out-of-Network): 100%
Traumatic Dental Injury help	Subject to Deductible and Coinsurance Treatment at a Hospital due to an Accident Additional Treatment for the same Injury rendered by a Dental Provider will be paid at 100% United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Intensive care unit help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Hospital Ancillary Services	Maximum limit: $40,000 Includes laboratory, x-rays, drugs, and miscellaneous services United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Durable Medical Eequipment help	United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Dental Treatment help	Subject to Deductible and Coinsurance Limit: $300 Unexpected pain or treatment due to an accident United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Hospital emergency room help	Injury: not subject to emergency room deductible Illness: subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%

Interfacility Ambulance Transfer help	Transfer must be a result of an inpatient hospital admission United States (In-Network), Canada, Mexico: 100% United States (Out-of-Network): 100%
Emergency Medical Evacuation help	Maximum limit: $25,000 Approved in advance and coordinated by the company United States (In-Network), Canada, Mexico: 100% United States (Out-of-Network): 100%
Return of Mortal Remains or Cremation/Burial help	Maximum limit: $25,000 Local Burial / Cremation Maximum Limit: $5,000 Return of Insured Person’s Mortal Remains to Country of Residence Approved in advance and coordinated by the company United States (In-Network), Canada, Mexico: 100% United States (Out-of-Network): 100%
Emergency Local Ambulance help	Subject to Deductible and Coinsurance Injury Illness resulting in an Inpatient Hospital admission United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Return of Minor Children help	Maximum limit: $100,000 Approved in advance by the Company United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%
Emergency Reunion help	Maximum limit: $100,000 Maximum days: 15 Meal maximum per day: $25 Reasonable and necessary travel costs and accommodations Approved in advance by the Company United States (In-Network), Canada, Mexico: 75% United States (Out-of-Network): 60%

Accidental Death & Dismemberment	Principal Sum Maximum Limit: $25,000 Death must occur within 90 days of the Accident Accidental Death: 100% of Principal Sum Dismemberment Accidental Loss: Percent of Principal Sum Sight of one eye: 50% One hand or one foot: 100% One hand and the loss of sight of one eye: 100% One foot and the loss of sight of one eye: 100% One hand and one foot: 100% Both hands or both feet: 100% Sight of both eyes: 100%

Precertification	Interfacility Ambulance Transfer: No coverage if Pre-certification requirements are not met. Emergency Medical Evacuation: No coverage if not approved by the Company. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage. All other Treatments & supplies: 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Refer to the PRE-CERTIFICATION REQUIREMENTS provision for a complete list of services that require Pre-certification.
Type of Insurance help	Travel Medical Insurance
Period of Coverage help	90 days up to 12 months
Maximum Limits	Per Injury or Illness Maximum Limit Through age 69: $50,000, $100,000, or $250,000 Ages 70 and older: $50,000

Pre-Existing Condition In-Network: Maximum limit through age 69: $25,000
Out-Network: Maximum limit ages 70 and older: $20,000

What is the Visitors Protect Insurance PPO network?

Patriot Plus ppo network We have two different network providers for our plans.

IMG maintains when inside the U.S., the UnitedHealthCare options network 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 Protect 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.

Visitors Protect PPO network »

Visitors Protect health insurance FAQ's

Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions..
Purchase must be done before departing the country of residence if your destination is the U.S.

Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.

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

Yes. Visitor Protect travel medical insurance covers temporary medical coverage with pre-existing conditions up to 99 years with deductible of $1,500 per injury or illness. For ages up to 69 years this plan covers up to $25,000 and for ages 70 and above it covers up to $20,000.

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!

How do I file a claim with Visitors Protect Insurance?

To file a claim with Visitors Protect Insurance, follow these steps:

Download the Claims Form: Access the Visitors Protect 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.

Know more about IMG Claims »

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Visitors Protect travel insurance exclusions

CareClix Consultation does not support diagnosis for mental and nervous disorders. Coverage for Care Clix Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The company reserves right to decline future claims relating to or arising from any condition discussed, raised or identified during Care Clix consultation where the illness or injury directly or indirectly related to any pre existing condition or is otherwise excluded under this certificate of insurance.
No coverage is approved by the company if pre-certification requirements are not covered.
Self inflicted injury is not covered.
Cosmetic surgeries for aesthetic purpose is not covered under the plan.
Routine physical examinations, delivery, Prenatal care, post natal, complications of pregnancy, newborn, miscarriage are excluded under the policy.
Claims or losses incurred due to war, invasion, act of terrorism are not covered.

Visitors Protect for pre-existing conditions - Forum

Hi,

What is Visitor Protect Insurance coverage?

Thank you,
Elyse

Dear Elyse,

Thank you for contacting about your insurance needs! Remember that visitor plans are only for unexpected medical problems while a person is traveling outside their home country. They do not cover regular, required treatment or medications. The Visitors Protect plan from IMG will cover unexpected problems arising from pre-existing conditions with a higher deductible and with a lower maximum. They define pre-existing conditions as something that within the past 12 months before the start of the policy had a flare up, was treated, or required a change in medication (see full definition below). They cover problems with pre-existing conditions subject to a higher ($1500) deductible and a lower maximum ($25,000 for 69 and under, $20,000 for 70+). In network the plan is a 25/75 plan, meaning they pay 75% and the insured pays 25% (as well as Canada and Mexico). Out of network it is 60/40 plan. Coverage is for US, Canada and Mexico. The plan must be initially purchased for at least 90 days and can be extended up to 12 months. The plan is not available to green card holders.

To get all the details of the policy, including the brochure, PPO network, etc, use this link:

Visitors Protect Insurance

Plan Details Brochure Buy Now

Please let us know if you need anything in further.

Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910