Visitors Care Insurance Reviews, IMG Visitor Care travel Insurance plan reviews

Visitors Care travel medical insurance

Ratings
A(Excellent)

Underwriter
Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Ideal for Cheaper visitor insuranceAcute on set of pre-existing conditions

Visitors Care insurance review

Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America.

When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Visitors Care travel insurance - Key Highlights

It is a fixed benefit insurance plan.
Covers acute onset of pre existing condition up to the age of 70 years.
Plan is renewable for a maximum of 2 years.
Limited coverage for medical expenses.
The policy maximum options available are $25k, $50k and $1M.
The deductible options available are $0, $50, $100 per period of coverage.

Visitors care Insurance Eligibility
Ideal for Non-US citizens travelling outsie their home country.
View complete details of benefits

IMG Visitors Care insurance reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.

| Steve E

Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.

| Joan

I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.

| Kelli M

Advantages and Disadvantages of Visitors Care insurance

Visitors Care Insurance Advantages
- Cheaper Plan.
- $25,000 coverage, suitable for travelers looking for less coverage.
- Can be renewed up to two years.
- Deductible per period of coverage.
- Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get pro-rata refund after deducting the cancellation charges.
- Part of a PPO network available.
- Only plan that offers extended care facility (Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)
Visitors Care Insurance Disadvantages
- It is a fixed benefit plan.
- This plan is available only for non-Us citizens traveling outside their home country.
- Travelers above 65 years and visiting US, coverage must begin within 30 days of arrival in the US.
- Only $10,000 coverage for 80+ travelers.

An Overview of IMG Visitors Care Insurance

Eligibility

Non-U.S. citizens traveling outside their home country.
For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival.

Renewability

Coverage is available from 5 days to 2 years.
Renewed online max up to 2 years.

Pre-existing condition

Offers Acute onset of pre-existing coverage up to the age of 70 years.
$25,000 maximum limit for emergency medical evacuation.

Cancellation

Before effective date: Full refund of premium is available.
After effective date: $25 cancellation fee will be charged by the insurance company.

Restrictions

Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.

A working example of using Visitors Care insurance*

Consider an example where your:

Insurance coverage is $50,000
Deductible is $100 per certificate period
Your claims for medical expenses is $25,500

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $25,500 minus $100 equals $25,400. Insured bears $100
Plan/insurance company pays 100%: $25,500and insured bears $100

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$1,400/day for 3 days	$1,800
Surgery	$17,000	$$3,300	$13,700
Prescription Drugs	$800	$250	$550
X Ray	$1,700	$800	$900
Total:	$25,600	$8,550	$17,050

* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of Visitors Care insurance

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Visitors Care Travel Insurance - FAQ's

Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses.

Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

Visitors Care is a fixed 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.

International 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.

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.

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

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

Are you traveling in Groups?

Get quotes for groups of five or more people traveling outside their home country!

Find the best group insurance quotes »

Visitors Care insurance - PPO network

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

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 Care insurance cost per month for Seniors

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Visitors Care insurance Claims Information

Download Visitors Care insurance claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »