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
How much is Visitors Protect travel insurance coverage?
What is a deductible in Visitors Protect insurance?
What is a PPO network in Visitors Protect insurance?
What is a Coinsurance in Visitors Protect insurance?
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.
What are the benefits of Visitors Protect insurance?
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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
- 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?
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.
local_hospital Visitors Protect PPO network »Visitors Protect health insurance FAQ's
1. What is Visitors Protect insurance work?
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.
2. How to buy Visitors Protect travel medical insurance?
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.
3. How can a visitor use Visitors Protect insurance in case of emergency in USA?
Travelers can review this article on how to use Visitors Protect insurance in case of emergency in USA.
4. Does Visitors Protect insurance covers Pre-existing conditions?
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.
NEED HELP?
Contact our customer service team, we are here to help you!
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
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
Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
What are the restrictions of Visitors Protect Insurance?
Visitors Protect is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.