Visitors Care Insurance
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 Links
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
Visitors care Insurance Eligibility
Ideal for Non-US citizens travelling outsie their home country.
View complete details of benefits
Customer Reviews
Reviews, Ratings and Experiences
Advantages and Disadvantages of Visitors Care insurance
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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)
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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
- 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.
- Incidental Home Country Coverage
During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total. - Common Carrier Accidental Death Coverage $25k.
A working example of using Visitors Care insurance*
- Insurance coverage is $50,000
- Deductible is $100 per certificate period
- Coinsurance for claims incurred inside US and in the PPO: The plan pays 100%
- Your claims for medical expenses is $25,500
- Subtract the deductible from claims amount - $25,500minus $100 equals $24,000. Insured bears $100
- Apply 100% coinsurance.
- 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 |
Plan details of Visitors Care insurance
Visitors Care Travel Insurance - FAQ's
01. How does Visitors Care insurance work?
Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses.
02. How can a visitor use Visitors Care insurance in case of emergency in USA?
Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
03. Which is the most affordable plan offered by International medical group?
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.
04. Is IMG travel insurance legit? Is IMG a real insurance company?
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.
05. What does IMG insurance stand for?
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.
06. Is IMG a good travel insurance company?
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
07. Does IMG sell Cancel for Any Reason Insurance?
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
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 NetworkVisitors Care insurance cost per month for Seniors
Click here to read more »Visitors Care insurance Claims Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
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Resourceful links for Visitors Care Travel Insurance
Visitors Care insurance FAQ
Frequently asked questions and answer about travel insurance.
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IMG popular travel insurance plan with pre-existing coverage.
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