Visitors Care vs Diplomat Long Term - Which travel insurance plan is better?

How does Visitors Care insurance work?

Visitors Care medical insurance for travel to usa offers 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 IMG Visitors Care insurance reviews working example

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.

Does visitors care insurance cover pre-existing conditions?

Visitors Care health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.

Does IMG Visitors care insurance covers trip cancellation?

No, Visitors Care American visitor insurance does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.

If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as Travel SE, Travel LX or Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.

Do I need to use a network provider to get treatment under Visitors Care health insurance?

No, you do not need to use a network provider to get treatment under Visitors Care health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
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How can I buy IMG visitors care online?

1. Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
2. Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the IMG family!

Can I cancel Visitors Care insurance?

Yes, Visitors Care insurance can be canceled, but the eligibility for a refund depends on the terms of the policy and the time of cancellation.

• Before effective date: Full refund of premium is available.
• After effective date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.

What are the exclusions of Visitors Care insurance?

Some of the exclusions of Visitors Care insurance are:

• War, military action, terrorism, and related consequences.
• Pre-existing conditions, defined as a medical or health condition (whether physical or mental, regardless of the cause of the condition) that existed before the policy effective date.
• Preventative care, such as routine physical examinations and immunizations.
• Vision care, such as eye examinations, eyeglasses, contact lenses, or eye surgery.
• Dental care, except for dental injury or emergency dental treatment due to an accident.
• Maternity care, abortion, birth control, or infertility treatment.
• Mental health disorders, substance abuse, or suicide attempts.
• Sports and recreational activities that are hazardous or extreme.