Quotes for Visitors Care Travel Insurance

Visitors Care Insurance Reviews

Vistors Care Insurance
Insurance provider
International Medical Group
Plan life - 5 days to 2 years.
Visitors Care Insurance can be renewed online
Policy maximum?
$25,000, $50,000, $100,000
Deductible options?
$0, $50, $100 per period of coverage
Visitors Care Insurance Rating
AM Best Rating: "A" (Excellent)
Renewal
IMG Visitors Care Insurance Renewal
Visitors Care Insurance can be renewed online up to 2 years unless there is a break in coverage.
Visitors Care Travel Medical Insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Visitors Care Links

  • Brochure
  • Details
  • Fixed benefit plan
  • Claims
  • Renewal
  • Provider Network

Visitors Care Insurance - Key Highlights

  • It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan
  • This plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum
  • This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
  • The plan has a pre existing rider that provides coverage of $5,000 for ages of 0 – 69 years and provides coverage of $2,500 for travelers aged above 70 years

VisitorsCare does not cover covid, but IMG has introduced the new plans for covid19 that is Patriot America Plus and Patriot Platinum

Visitors Care travel insurance

  • Ideal for Non-US citizens travelling outsie their home country.
  • Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
  • Plan maximum options of $25,000, $50,000 and $100,000 are available.
  • Coverage for incidental visits to home country up to a cumulative of two weeks.

A working example of using Visitors Care travel insurance (Offered by International Medical Group) *

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • 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:
  1. Subtract the deductible from claims amount - $25,500 minus $100 equals $25,400. Insured bears $100.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
Patriot America Insurance
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.

Visitors Care Insurance Information

Visitors Care Insurance Advantages

  • Cheaper Plan.
  • $25,000 coverage, suitable for travelers looking for less coverage.
  • Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5,000 per period of coverage for ages 0-69 and up to $2,500 per period of coverage for 70+ travelers.
  • 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 ( Plan A is $150/day, plan B is $200/day and Plan C is $250/day up to 15 days per policy period)

Visitors Care Insurance Disadvantages

  • Visitors Care from IMG does not cover covid
  • 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.

What are some insurance terms important in Visitors Care Insurance reviews?

Review Visitors Care Insurance to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Visitors Care travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers maximum coverage up to $100,000. The coverage may vary for older travelers with reduced plan maximum.
  • What is a deductible in Visitors Care visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Visitors Care insurance offer a set of deductible options for the travelers to choose from. Visitors Care insurance has a range of deductible option from $0, $50 and $100.
  • What is a provider network of Visitors Care Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Visitors Care Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Care Insurance can be renewed from 5 days to 2 years.
  • Eligibility to buy Visitors Care Insurance Online
    This plan is availabel for non US citizens travelling 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. These requirements are waived if proof of previous valid international travel insurance is provided.
  • Visitors Care Pre-existing conditions Visitors Insurance for international travelers
    Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

Visitors Care Insurance - Common Questions

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage.The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
For detailed working example of how it works, you can review Visitors Care insurance working example.

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.

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