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.
Pre-existing conditions
Comprehensive plan
Care Clix consultation benefit
United Health Care PPO
Offers coverage from 90 days to 12 months
Urgent Care Clinic
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 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.
Visitors Protect plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada and US citizens living abroad and visiting USA can also 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.
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.
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.
>Review and compare the best Visitors Protect medical insurance quotes.
Compare Visitors Protect travel medical insurance quotes »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 |
Emergency medical evacuation | 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 |
What is Visitor Protect Insurance coverage?
Thank you,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:
Do let us know if we can assist you further.
Regards,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.
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."
Find Provider NetworkThe 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.
Visitors Protect is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Frequently asked questions and answer about travel insurance plans.
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