📌 What Is The IMG Outreach America Travel Insurance?
Ideal for Visitors to USA, starting at just $1.43 per day
Outreach America is a comprehensive short-term travel medical insurance plan designed for non-U.S. residents traveling to the United States. It is ideal for missionaries, volunteers, tourists, family visitors, and business travelers who want reliable, affordable medical protection.
Key Features:- Coverage from 5 days up to 364 days, renewable up to 2 years
- Ideal for missionaries, volunteers, tourists, and family or business visitors to the U.S.
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
- Budget-friendly premiums with multiple deductible options.
After buying the plan, Traveler can get all the Outreach America id card and all the plan document by using Outreach America login. At American Visitor Insurance, US Travelers can contact the Outreach America insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!.
⭐ IMG Outreach America Insurance Reviews
🧾 How Much Maximum Coverage Does Outreach America Insurance Provide?
The policy maximum amount of coverage is the total dollar amount of benefits available under the Outreach America plan. Once the maximum is reached, no additional benefits will be paid. Available coverage options are $50,000, $100,000, $500,000, $1,000,000, $2,000,000.
📉 What Is a Deductible in Outreach America Insurance?
The deductible is the amount the insured must pay before Outreach America insurance starts to cover expenses.
Outreach America insurance has deductible options of : $0, $100, $250, $500, $1,000, $2,500
💰 What Is Coinsurance in Outreach America Insurance?
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. Outreach America insurance pays:
- In PPO Network: Plan pays 90% of eligible expenses
- Outside PPO Network: Plan pays 80% up to $5,000, then 100% up to policy maximum
❓ Why Should I Buy Outreach America Insurance?
Buying Outreach America Insurance is recommended for non-U.S. citizens traveling to the United States because it offers comprehensive, affordable, and flexible short-term medical coverage tailored to the specific needs of international visitors. Here are the key reasons to choose Outreach America Insurance:
- Affordable comprehensive coverage: Provides coverage for new and unexpected medical conditions, including physician visits, hospital stays, and emergency services. Eligible expenses are covered after the deductible and coinsurance, helping travelers manage costs.
- Coverage for sudden and unexpected recurrence of a pre-existing condition: Up to $2,500 for travelers 65 and older, and higher limits for those under 65.
- Sports & Activities Coverage Up to the maximum limit for basic sports, including non-organized, non-contact, and non-collision activities.
- Emergency medical evacuation: Covers emergency evacuation up to the $500,000 maximum
- Adventure sports coverage: Outreach America offers optional coverage for adventure sports and recreational activities, providing protection for injuries and illnesses that may occur while participating in eligible sports.
- Direct billing: Policyholders may access care through the UnitedHealthcare PPO and First Health PPO networks within the U.S. These networks allow direct billing and help reduce out-of-pocket costs when using in-network providers.
- Outreach Supplement – Amateur Athletics (Optional Rider): Provides coverage for accidents and emergencies while playing amateur sports, including emergency medical evacuation, emergency reunion, and return of mortal remains, not limited by the pre-existing conditions exclusion.
- FFlexible coverage duration: Plan can be purchased for as little as 5 days up to 365 days, with the option to extend coverage if travel plans change. This plan can be renewed for up to 24 months.
👤 Who Is Eligible for Outreach America Insurance Plan?
- The plan is available for non-U.S. citizens traveling outside their home country, including those visiting the United States for mission work, leisure, business, or family visits.
- U.S. citizens and permanent residents traveling outside the United States can also be eligible, with coverage during brief returns to the U.S.
- Available for travelers from 14 days to 99 years.
- Plan available from 5 days up to 364 days, renewable for up to 2 years.
♻️ Can the Outreach America Insurance Be Extended or Renewed?
- This plan can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
- Prior to the end of each period of coverage purchased, you will receive renewal information.
- You have the option to renew online or you may complete a paper renewal form.
- Each insured person pays one deductible and coinsurance per 12-month coverage period.
🌍 Who Should Consider Outreach America Travel Medical Insurance?
This plan is the right choice if you are:- Tourists visiting family or friends in the U.S.
- Missionaries and church volunteer on assignment in the U.S.
- A business traveler on short or extended trips.
- International students or exchange visitors.
- An international student or exchange visitor without school-provided insurance.
- A dependent of a temporary visa holder in the U.S.
💰 How much does Outreach America Insurance Cost per month?
The outreach America travel insurance cost per month starts at $43 based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0–69: $50,000, $100,000, $500,000, $1,000,000
- Ages 70–79: $50,000
- Ages 80–99: $10,000 only
Example: Below is the monthly cost of Outreach America insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 18–29 years | $43 | $54 | $67 | $83 |
| 30–39 years | $57 | $73 | $90 | $106 |
| 40–49 years | $85 | $104 | $139 | $154 |
| 50–59 years | $131 | $167 | $205 | $236 |
| 60–64 years | $164 | $213 | $253 | $304 |
| 65–69 years | $213 | $289 | $314 | $374 |
| 70–79 years | $287 | Not available | ||
For senior travelers aged 80–99: $500/month for $10,000 coverage with $250 deductible.
✅ What Are the Benefits of Outreach America Insurance?
The benefits of Outreach America Insurance include comprehensive medical protection and additional travel-related coverages tailored for non-U.S. citizens traveling outside their home country, especially to the U.S. Below are the key benefits:
-
Home Nursing Care help Up to the maximum limit (Upon direct transfer from an acute care facility) Assistant Surgeon help 20% of the primary surgeon’s eligible fee Bedside visit help $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible Outpatient Surgical / Hospital Facility help Up to the maximum limit Laboratory help Up to the maximum limit Chemotherapy / Radiation Therapy help Up to the maximum limit Pre-Admission Testing Up to the maximum limit Reconstructive Surgery help Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) Anesthesia help Up to the maximum limit Chiropractic Care help Up to the maximum limit Extended Care Facility help Up to the maximum limit
(upon direct transfer from an acute care facility)Emergency eye examination help $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) Eligible Medical Expenses Up to the maximum limit Hospital room and board help Average semi-private room rate, including nursing services Radiology / X-ray help Up to the maximum limit Physician visits help Physician visits or services: Up to the maximum limit Physical Therapy help Up to the maximum limit (Medical order or treatment plan required) Walk-In Clinic help $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Urgent Care Clinic help $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. Traumatic Dental Injury help Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% Surgery help Up to the maximum limit Intensive care unit help Up to the overall maximum limit. Durable medical equipment help Up to the maximum limit Dental Treatment help Dental Treatment - Accident: $100 Limit
Treatment due to an Accidental Injury and obtained at a Dental Provider’s officePrescription Drugs and Medications help Up to the plan maximum limit
Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits
Dispensing maximum for Retail Pharmacy: 90 days per prescriptionSupplemental Accident help Maximum limit per covered accident: $300 Hospital emergency room help Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limitPhysician visits help Up to the maximum limit Sports & Activities Coverage Up to the Maximum Limit for basic sports (non-organized, non-contact, and non-collision activities) Hospital Indemnity $100 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible. -
Interfacility ambulance transfer help Company pays 100% Natural disaster help $250 per day and maximum limit of five days for accommodations. Not subject to deductible. Political evacuation and repatriation help $100,000 maximum limit. Not subject to deductible Emergency medical evacuation help $500,000 lifetime maximum (independent of the Maximum Limit) (Must be approved in advance by the company) Return of Mortal Remains help $50,000
Local Burial / Cremation at place of death Maximum Limit: $5,000Emergency local ambulance help Up to the maximum limit. Return of minor children help Up to $50,000 Political Evacuation & Repatriation Up to $10,000 (Must be approved in advance by the company) Natural disaster evacuation help $100 per day and maximum limit of 5 days for accommodations. Not subject to deductible. Emergency reunion help $50,000 maximum limit
(Must be approved in advance by the company)Remote transportation help $5,000 per certificate period / $20k maximum limit Terrorism help Up to $50,000 maximum limit. Not subject to deductible -
Accidental death & dismemberment help $25,000 principal sum. Not subject to deductible Personal liability help $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property Pet return help $1,000 maximum limit. Not subject to deductible Small Pet Common Air Carrier Accidental Death help $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) Return travel help $10,000 maximum limit. Not subject to deductible Identity theft help $500 maximum limit. Not subject to deductible Common carrier accidental death help $50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible. Trip Interruption Up to $5,000. Not subject to deductible. Incidental Trip 14 day maximum -
Lost luggage help Limit $250, $50 maximum per item -
Telehealth Optional add-on available
➕ What Optional Upgrades Are Included in Outreach America?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Outreach America travel insurance for adventure sports
Adventure Sports Rider is available for individuals up to 65 years of age.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any illness or injury sustained while participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
2. Add Evacuation Plus
Provides coverage for approved medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary.
3. Add Outreach Supplement - Amateur Athletics
This rider specifically offers benefits for accidents and emergencies experienced while playing amateur sports, which would otherwise not be covered. This rider also provides emergency medical evacuation, emergency reunion, and return of mortal remains benefits that are not subject to the plan's pre-existing conditions exclusion.
4. Mobile Device Protection
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
5. Teladoc Rider
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
🏥 What Are the Outreach America Insurance PPO Networks?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »❓ Outreach America Travel Insurance - FAQ's
What does Outreach America visitor insurance cover?
Covers emergency medical treatment, hospitalization, surgery, prescription drugs, emergency evacuation, repatriation, and optional adventure sports coverage.
Does Outreach America Travel Insurance cover Pre-Existing Conditions?
Yes. Outreach America Insurance provides coverage for the sudden and unexpected recurrence of a pre-existing conditions up to $50,000 for travelers under 65 and up to $2,500 for travelers aged 65 and older.
Does Outreach America travel medical insurance cover Adventure or High-Risk Sports?
Yes, Outreach America does offer coverage for adventure or high-risk sports, but only through an optional Adventure Sports Rider that must be purchased separately at the time of policy application. This rider provides coverage for injuries sustained while participating in certain designated adventure sports that are typically excluded from standard travel medical insurance policies.
Are there any countries where Outreach America Insurance is not available?
Yes, residents or travelers to Belarus, Russia, Iran, and Ukraine cannot purchase this plan.
Can I add family members or dependents to my Outreach America Insurance plan?
Yes, you can include family members or dependents. Separate applications may be required for adult dependents over 18 years old.
What Is the Difference Between Outreach America and Outreach International?
- Outreach America: is for non-U.S. citizens and non-U.S. residents traveling to the United States.
- Outreach International: is for U.S. citizens traveling outside the U.S. Both plans offer similar benefits — emergency medical coverage, evacuation, repatriation — but they differ based on traveler residency and destination. Choosing the right plan ensures your claims are eligible.
Can missionaries and volunteers use Outreach America Insurance?
Yes. Outreach America Insurance is ideal for missionaries, church groups, and volunteers temporarily staying in the U.S.
Are sports and adventure activities covered under Outreach America Insurance?
Yes. Outreach America Insurance covers basic non-organized, non-contact, and non-collision sports up to the plan’s maximum limit. It also offers optional coverage for adventure and recreational sports, and an Amateur Athletics rider is available for accidents during organized amateur sports.
How long can I be covered under Outreach America?
Coverage is available from 5 days up to 364 days and can be renewed for up to 2 years.
📝 How Do I File a Claim With Outreach America Insurance?
To file a claim with Outreach America Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
🚫 What Are the Restrictions of Outreach America Insurance?
Outreach America insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
