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. 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.
Key benefits of Visitors Protect Insurance
ecg_heart Pre-existing conditions
rss_feed Comprehensive plan
work Care Clix consultation benefit
United Health Care PPO
scheduleOffers coverage from 90 days to 12 months
flightUrgent Care Clinic
Visitors Protect Insurance Reviews, Health care for visitors to USA
Visitors Protect Visitor Insurance Links
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.
- US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
- 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.
- 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.
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
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. Who is eligible to buy Visitors Protect insurance?
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.
03. 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.
04. 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.
05. 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.
06. 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.
>Get quotes for Visitors Protect travel medical insurance!
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Compare Visitors Protect travel medical insurance quotes »Plan benefits of Visitors Protect travel insurance
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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
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:
Do let us know if we can assist you further.
Regards,Customer care
www.americanvisitorinsurance.com
(877) 340 7910
Visitors Protect Insurance - UnitedHealth Care Travel 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.
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."
local_hospital Find Provider NetworkVisitors 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.
Steps to buy IMG Travel insurance
Visitors Protect Insurance Restrictions
Visitors Protect is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Resourceful links of Visitors Protect Insurance
IMG travel Insurance FAQ
Frequently asked questions and answer about travel insurance plans.
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