Visitors Protect Travel Insurance

Best pre-existing conditions travel insurance for U.S., Canada, and Mexico

Visitors Protect insurance cost

Age & Citizenship
Destination

Including USA

Start Date
End date

Visitors Protect Pre-existing Conditions Travel 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.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.

Key benefits of Visitors Protect Insurance

Pre-existing conditions

Comprehensive plan

Care Clix consultation benefit

PPO network

Offers coverage from 90 days to 12 months

Urgent Care Clinic

Visitors Protect Insurance Reviews, Health care for visitors to USA

Policy maximum
  • Age 0-69 years : $50k $100k or $250k
  • Age 70+ : $50k
Deductible options
$250 $500 $1,000 $2,500 or $5,000
Insurance provider
International Medical Group
Visitors Protect rating
AM Rating : A-
Visitors Protect insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation White Mountains Insurance Group Company.
Plan life - 90 days up to 12 months.
Visitors Protect Insurance can be renewed online
Coinsurance
Visitors Protect In Network
The plan pays 75% of the cost for eligible expenses in the United States
75%
Visitors Protect Out of Network
60%

The plan pays 60% in addition to the deductible

Visitors Protect Insurance – Coverage for Pre-existing Conditions

  • The plan offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived).
  • Maximum limit through age 69: $25,000
  • Maximum limit ages 70 and older: $20,000

Visitors Protect travel Insurance - Key Highlights

  • Limited pre-existing condition coverage.
  • It is a comprehensive benefit insurance plan.
  • The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
  • COVID-19 is covered and treated as any other sickness.
  • Deductible options from $250 to $5,000.
  • Maximum limits from $50,000 to $250,000
  • Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
  • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.
  • Green card holders and lawful permanent residents are not eligible for this coverage.
  • Repurchases of this plan must be made while outside the destination Country.

IMG Visitors Protect health insurance summary


Visitors Protect insurance Eligibility
  • Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
  • Travel medical insurance for individuals, families.
  • Travelers from age 14 days to 99 years.
  • Coverage from 90 days to 12 months.
  • This plan must be initially purchased prior to departing the Country of Residence.
  • Repurchases of this plan within twelve (12) months from the initial purchase must be made while outside the United States, Canada, and Mexico.
  • Not have established a permanent residency in the Destination Country.

Visitors Protect Travel Insurance Cancellation
  • $50 cancellation fee will be charged by the insurance company after effective date. Only full month premium will be considered for refund.

Visitors Protect Insurance International Emergency Care.
  • Emergency Evacuation: - $25,000
  • Return of Mortal Remains or Cremation/Burial
    $25,000 and Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.

Visitors Protect Insurance coinsurance
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

In addition to deductible, the plan pays 75% of the cost for eligible expenses in the United States(within the network), Canada and Mexico. For the eligible expenses incurred in the United States(Out of Network), the plan pays 60% in addition to the deductible.

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Visitors Protect travel health insurance for foreign visitors - FAQ's

01. 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.

02. 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.

03. 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.

04. 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.

05. How much does Visitors Protect insurance cost per month in USA?

The cost of Visitors Protect visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The 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 $50k, $100k or $250k up to age 69 years, for ages 70 and above it covers up to $50k depending on the age of traveler.To get a quote Click here.

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06. What is the coverage area of Visitors Protect insurance?

Visitor Protect travel medical insurance is available for visitors traveling from their home country to the U.S., Canada, and Mexico.

07. How do I purchase Visitors Protect insurance?

You can get the quotes and make an instant purchase of visitors protect travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

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

Visitors Protect is a comprehensive 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.

09. Is IMG travel insurance legit? Is IMG a real insurance company?

Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

10. 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.

11. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

12. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Get quotes for Visitors Protect travel medical insurance!

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Plan benefits of Visitors Protect travel insurance

  • Benefits

    In-Network

    Out-Network

    Eligible medical expenses 75% up to policy maximum 60% up to policy maximum
    Hospital room and board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
    Surgery 75% up to policy maximum 60% up to policy maximum
    Intensive care unit 75% up to policy maximum 60% up to policy maximum
    Hospital Ancillary Servicest 75% up to policy maximum 60% up to policy maximum
    Radiology/X-ray 75% up to policy maximum 60% up to policy maximum
    Laboratory 75% up to policy maximum 60% up to policy maximum
    Pre-Admission Testing 75% up to policy maximum 60% up to policy maximum
    Reconstructive Surgery 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Pre-Certification
    50% reduction of eligible medical expenses if pre-certification provisions are not met
    Physician visits 75% up to policy maximum 60% up to policy maximum
    Assistant Surgeon 75% up to policy maximum 60% up to policy maximum
    Urgent Care Clinic $25 copay, 100% up to Policy Maximum $50 copay, 100% up to Policy Maximum
    Walk-In Clinic $15 copay, 100% up to Policy Maximum $25 copay, 100% up to Policy Maximum
    Physical Therapy 75% up to policy maximum 60% up to policy maximum
    Prescription Drugs and Medications 75% up to policy maximum 60% up to policy maximum
    Assistant Surgeon 75% up to policy maximum 60% up to policy maximum
    Chiropractic Care 75% up to policy maximum 60% up to policy maximum
    Durable Medical Equipment 75% up to policy maximum 60% up to policy maximum
    Extended Care Facility 75% up to policy maximum 60% up to policy maximum
    Home Nursing Care 75% up to policy maximum 60% up to policy maximum
    Anesthesia 75% up to policy maximum 60% up to policy maximum
    Reconstructive Surgery 75% up to policy maximum 60% up to policy maximum
    Outpatient Surgical/Hospital Facility 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Emergency local ambulance 75% up to policy maximum 60% up to policy maximum
    Hospital emergency room 75% up to policy maximum 60% up to policy maximum
    Interfacility ambulance transfer Company pays 100%
  • Benefits

    In-Network

    Out-Network

    Emergency dental treatment Up to $300(Unexpected pain or treatment due to an accident)
    Traumatic Dental Injury 75% up to policy maximum 60% up to policy maximum
  • Benefits

    In-Network

    Out-Network

    Emergency medical evacuation 75% up to policy maximum 60% up to policy maximum
    Hospital emergency room Up to $25,000 maximum limit
    Emergency reunion $100,000 maximum limit. Not subject to deductible
    Return of Minor Children $100,000 maximum limit. Not subject to deductible
    Return of mortal remains or cremation/burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
  • Benefits

    In-Network

    Out-Network

    Pre-Existing Condition Maximum limit through age 69: $25,000 Maximum limit ages 70 and older: $20,000
  • Accidental death & dismemberment $25,000 principal sum, Not subject to deductible

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

questionHi,

What is Visitor Protect Insurance coverage?

Thank you,
Elyse

questionDear 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:

Do let us know if we can assist you further.

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

Visitors Protect Insurance PPO Network

Visitors Protect - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Visitors Protect Insurance cost per month for seniors

The cost of Visitors Protect insurance for seniors is dependent on the following factors 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 $50k, $100k, $250K depending on the age of traveller up to age of 70 years. For above 70 years $50,000 is available. This plan can be available form 90 days to 12 months.

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 Maximum of $250,000
60 - 69 years $947 $1317 $1580
70 - 79 years $2277 N/A N/A
80 - 99 years $2926 N/A N/A

Visitors Protect Insurance Restrictions

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

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