Visitors Protect Insurance Reviews, IMG Visitor protect travel insurance for pre-existing conditions reviews

Visitors Protect Insurance Reviews, Health care for visitors to USA

Policy maximum

Age 0-69 years : $50k $100k or $250k
Age 70+ : $50k

Deductible options
$250 $500 $1,000 $2,500 or $5,000

Insurance provider
International Medical Group

Visitors Protect rating
AM Rating : A-

Visitors Protect insurance underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation White Mountains Insurance Group Company.

Plan life - 90 days up to 12 months.
Visitors Protect Insurance can be renewed online

Coinsurance

Visitors Protect In Network
The plan pays 75% of the cost for eligible expenses in the United States

75%

Visitors Protect Out of Network

The plan pays 60% in addition to the deductible.

60%

Visitors Protect Insurance for US Visitors

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.This plan can be available from 90 days to 12 months.

Patriot America Lite Insurance Links

Brochure
Details
Advantages
Disadvantages
Claims
Renewal
Provider network
Comprehensive
Comprehensive Plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Visitors Protect travel Insurance - Key Highlights

It is an affordable plan for visitors visiting the US. It is a comprehensive benefit insurance plan
This plan covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20,000.
Deductible options from $250 to $5,000.
Maximum limits from $50,000 to $250,000
Coverage for medical expenses, evacuation, and repatriation.
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
Cove

Customer 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

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Advantages and Disadvantages of Patriot America Lite Insurance

Visitors Protect Insurance Advantages
- This plan covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20,000.
- Coverage for medical expenses, evacuation, and repatriation.
- $50,000 coverage available for people above age of 80 years.
- 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.
Visitors Protect Insurance Disadvantages
- This plan is available only for non-Us citizens traveling outside their home country.
- Green card holders and lawful permanent residents are not eligible for this coverage.

Key benefits of Patriot America Lite Insurance

Pre-existing conditions

Comprehensive plan

Care Clix consultation benefit

PPO network

Visiting to the U.S., Canada, and Mexico

Offers coverage 90 days to 12 months

An Overview of IMG Patriot America Lite

Plan Maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Visitors Protect insurance offers maximum coverage from $50,000, $100,000, and $250,000. The coverage of $50,000 maximum available for people aged above 80 years.

Deductible

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 Protect insurance offer a set of deductible options for the travelers to choose from. Visitors Protect insurance has a range of deductible option from $250, $500, $1,000, $2,500, and $5,000.

Provider network

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.

Eligibility to buy Visitors Protect 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.

Patriot America Lite visitors deductible

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.Patriot America Lite insurance has deductible options from $0 up to $2,500

Visitors Protect Pre-existing conditions Visitors

Visitors Protect insurance covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20,000.

A working example of using Patriot America Lite insurance*

Consider an example where your:

Insurance coverage is $50,000
Deductible is $250 per certificate period
Coinsurance for claims incurred inside US and in the PPO: The plan pays 100%
Your claims for medical expenses is $24,250

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

Subtract the deductible from claims amount - $$24,250 minus $100 equals $24,000. Insured bears $250
Apply 100% coinsurance.
Plan/insurance company pays 100%: $24,250 and insured bears $250

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$250	$0	$250
Days in hospital	$2,000/day for 3 days	$6,000	$0
Surgery	$16,000	$12,000	$4,000
Prescription Drugs	$800	$600	$200
X Ray	$1,700	$1,275	$425
Total:	$24,750	$19,875	$4,875

* 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 Protect insurance

Click here to read more »

Visitors Protect Insurance - FAQ's

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.

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.

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

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.

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.

Visitor Protect travel medical insurance is available for visitors traveling from their home country to the U.S., Canada, and Mexico.

You can get the quotes and make an instant purchase of visitors protect travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

Visitors Protect is a comprehensive 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.

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.

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

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.

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 Protect - PPO network

Visitors Protect - 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 Protect Insurance cost per month for Seniors

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Pre-existing conditions coverage - FAQ's

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

Choose a travel health insurance plan that covers pre-existing conditions.
Read the policy carefully to understand what is covered and what is not.
Be aware of any waiting periods for coverage of pre-existing conditions.
Consider buying a visitors insurance policy with higher coverage limits.
Carry a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Know how to access medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.
The renewability of the policy and its implication for pre-existing condition coverage

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Pre-existing conditions coverage - FAQ's

Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.