Comprehensive Visitors Care Insurance Review
This IMG Visitors Care insurance review will help you understand this travel insurance plan better. Traveling the world is exciting, but what if you face unexpected medical issues or accidents?
Most travelers assume that nothing will go wrong during a trip but it is extremely risky, travel insurance is essential.
Visitors Care Insurance, underwritten by SiriusPoint Specialty Insurance Corporation, is known for its affordability and has an A- rating from A.M. Best. The insurance company providing this plan is International Medical Group better known as IMGlobal.
Explore travel insurance for the USA.
What Is Visitors Care Insurance?
Visitors Care travel insurance is for non-U.S. residents visiting the United States. It is a limited coverage visitors insurance plan.
This insurance provides medical coverage for non-U.S. citizens in the country. The medical coverage under this plan is secondary to any other coverage you may have. It helps protect against the high costs of medical emergencies or illnesses.
The insured person has specific responsibilities and rights during their policy coverage, including understanding the benefits and limitations of the insurance policy and maintaining coverage during incidental visits to their home country.
It’s for tourists, business travelers, or those visiting family and friends. The International Medical Group offers this insurance.
Visitors Care Insurance Plan Options
The plan offers 3 medical insurance options i.e. Lite, Plus, and Platinum, the coverage limits and some benefits differ in each of the options.
| Visitors Care Plan | Lite | Plus | Platinum |
|---|---|---|---|
| Period of Coverage | 5 days up to 2 years | 5 days up to 2 years | 5 days up to 2 years |
| Period of Coverage Limit | $25,000 per illness/injury | $50,000 per illness/injury | $100,000 per illness/injury |
| Deductibles | $0, $50, $100 | $0, $50, $100 | $0, $50, $100 |
| Acute Onset of Pre-existing Conditions | $25,000 max per coverage period (subject to sub-limits below) | $50,000 max per coverage period (subject to sub-limits below) | $100,000 max per coverage period (subject to sub-limits below) |
| Physician Visits/Services | $40 max per visit 30 max visits per period of coverage | $60 max per visit 30 max visits per period of coverage | $85 max per visit 30 max visits per period of coverage |
| Urgent Care Center | $40 max per visit/10 max visits | $60 max per visit/10 max visits | $85 max per visit/10 max visits |
| Hospital Emergency Room | $200 max per visit | $330 max per visit | $550 max per visit |
| Hospitalization/Room & Board Average semi-private room rate Includes nursing, misc., and ancillary services | Up to $825 max per day 30 day max per period of coverage | Up to $1,400 max per day 30 day max per period of coverage | Up to $2,000 max per day 30 day max per period of coverage |
Please read the policy document for complete details under each option.
Who Needs Visitors Care Travel Insurance?
- International travelers visiting the United States, including tourists, business travelers, and those visiting family and friends.
- Individuals who want to ensure they have adequate medical coverage during their stay in the U.S., as many home country insurance plans may not offer adequate domestic coverage.
- Non-U.S. citizens who are concerned about the high cost of medical expenses in the United States and want to be prepared for any medical emergency or sudden and unexpected outbreak during their trip.
- Business travelers who need a visitors care insurance plan to cover any medical expenses that may arise during their business trip to the U.S.
Benefits Of Visitors Care Insurance
Getting travel medical insurance through Visitors Care Insurance offers many benefits. It gives you international health coverage so you can get quality care anywhere. This is crucial for travelers.
If you face a medical emergency, like an illness or injury, this insurance helps. It covers the cost of emergency medical evacuation. This is useful if you need to go to a better hospital or back home for treatment.
Visitors Care Insurance also has COVID-19 coverage. This is a big plus in today’s world. It helps with testing, treatment, or even if you need to cancel your trip because of the pandemic.
One of the best things about Visitors Care is that it is an affordable plan. It’s cheaper than many other travel insurance plans. This makes it a great choice for many travelers looking for visitors insurance at an affordable price.
| Benefit | Description |
|---|---|
| Travel Medical Insurance | Comprehensive coverage for medical expenses incurred during your trip |
| International Health Coverage | Access to quality healthcare wherever your travels take you |
| Emergency Medical Evacuation | Transportation to a more advanced medical facility or your home country, if necessary |
| COVID-19 Coverage | Protection for testing, treatment, and trip cancellation related to the pandemic |
| Affordable Travel Insurance | Comprehensive protection at a remarkably reasonable cost |
Coverage Options And Customization
Visitors Care Insurance has a wide range of coverage options for travelers. The fixed benefit plan is a key feature that pays a set amount for medical expenses. This helps travelers know their costs and feel secure on their trip.
Fixed Benefit Plans
The fixed benefit plan from Visitors Care Insurance makes claims easier. It sets coverage amounts for different medical services. This is different from plans that only reimburse costs.
Policyholders know exactly how much they’ll get for doctor visits or hospital stays. This is great for managing healthcare costs while traveling.
Adventure Sports Coverage
- Visitors Care Insurance also offers adventure sports coverage. This is for those who love activities like bungee jumping, skydiving, or rock climbing. The adventure sports rider ensures eligible costs for injuries are covered.
- This coverage gives travelers peace of mind. They know they’re protected if they get hurt while doing these activities.
- Visitors Care Insurance lets travelers customize their policies. This means they can choose the right coverage for their needs and plans. It ensures they’re well-protected on their journey.
| Coverage Option | Key Benefits |
|---|---|
| Fixed Benefit Plan | Predetermined payouts for covered medical expenses, simplifying the claims process |
| Adventure Sports Coverage | Protects against the costs of treatment for injuries sustained during thrilling activities |
Pre-Existing Condition Coverage
Visitors’ insurance is crucial, especially for those with pre-existing medical conditions.
Visitors Care plan offers the acute onset of pre-existing conditions coverage. It covers eligible medical expenses for sudden and unexpected worsening of a pre-existing condition.
| Coverage | Details |
|---|---|
| Acute Onset of Pre-Existing Conditions | Up to a pre-defined fixed dollar amount |
| Other Eligible Medical Conditions | Covered as per the plan’s benefits |
COVID-19 And Visitors Care Insurance
Visitors Care Insurance has stepped up to help with the COVID-19 outbreak. They offer comprehensive pandemic travel protection. This plan’s COVID-19 coverage helps protect against the financial challenges of this global health crisis.
| Coverage | Details |
|---|---|
| COVID-19 Medical Expenses | Covers hospital stays, doctor visits, and other necessary treatment costs |
| Trip Cancellation/Interruption | Reimburses for prepaid, non-refundable expenses due to a positive COVID-19 test or pandemic-related travel restrictions |
| Logistical Assistance | Helps with flight changes, hotel rebookings, and other travel arrangements |
| Telehealth Services | Provides 24/7 access to healthcare professionals for COVID-19 guidance and support |
Eligibility And Application Process
Visitors Care Insurance is designed for non-US citizens/residents traveling to the United States. To be eligible for this insurance plan, you must meet the following requirements:
- Be a non-US citizen or non-US resident.
- Be traveling outside of your home country.
- Not be a US citizen, US resident, or Green Card holder.
- Not have a primary destination outside of the US.
- Travel to the US first.
The application process for Visitors Care Insurance is straightforward and can be completed entirely online. Here’s what you need to do:
- Provide Personal Information: You will need to provide your name, date of birth, residence address, and email address.
- Select Coverage Options: Choose the policy maximum, deductible, and coverage duration that best suits your needs.
- Payment: A valid credit card is required to complete the purchase.
This simple and efficient process ensures that you can quickly secure the coverage you need for your trip to the United States.
Cost And Premiums
The cost of Visitors Care Insurance varies depending on several factors. Understanding these factors can help you choose the best plan for your needs.
Factors Affecting Premiums
- Policy Maximum: You can choose from coverage limits of $25,000, $50,000, or $100,000. Higher policy maximums generally result in higher premiums.
- Age: Premiums increase with age, reflecting the higher risk of medical issues as you get older.
- Number of Coverage Days: Premiums are calculated at a daily rate, so the total cost will depend on the length of your coverage period.
- Deductible: Options include $0, $50, or $100. A higher deductible typically lowers the premium but increases your out-of-pocket costs per sickness or injury.
By considering these factors, you can tailor your Visitors Care Insurance plan to fit both your budget and your coverage needs.
Claims And Customer Service
Claims need to be filed within 90 days of the incident, here is a detailed guide to the IMG Claims process.
| Key Claim Submission Requirements | Customer Service Highlights |
|---|---|
| A written request for a claim Itemized medical bills and receipts Submit within the policy timeframe | Accessible 24/7 support Guidance on finding in-network providers Assistance with claims processing |
Visitors Care Insurance focuses on making the claims process easy, and customer service quick. They want to give you peace of mind while traveling.
This way, you can focus on your health and enjoy your trip without worry.
Exclusions And Limitations
It’s important to be aware of its exclusions and limitations. Knowing what is not covered can help you make an informed decision.
What Is Not Covered?
- Pre-existing medical conditions.
- Chronic or congenital conditions.
- Conditions that gradually become worse over time.
- Conditions for which you had symptoms or received treatment before the policy effective date.
- Adventure Sports: Injuries from activities like bungee jumping or skydiving are excluded unless you have an adventure sports rider.
It is essential to carefully review the policy exclusions and limitations before purchasing a visitor care plan to ensure it meets your needs and expectations.
Visitors Care Insurance Review
Visitors Care is a top choice for international travelers to the United States. This review covers its main features, benefits, and value. It aims to help you decide if it’s right for you.
Visitors Care stands out for its flexible coverage. It offers various deductibles and coverage limits. This means you can find a plan that fits your needs, whether basic or comprehensive.
| Benefit | Coverage Limit |
|---|---|
| Medical Expenses | $25,000 to $100,000 |
| Emergency Medical Evacuation | $25,000 to $50,000 |
| Repatriation of Remains | Up to $25,000 |
| Accidental Death & Dismemberment | Up to $25,000 |
In summary, Visitors Care insurance is a solid choice for international travelers to the United States. It offers flexible coverage, pre-existing condition options, and reliable customer service.
Conclusion
Visitors Care Insurance is a great choice for most international travelers to the United States. It offers wide coverage, flexible plans, and protection for pre-existing conditions and COVID-19. This insurance gives you peace of mind while traveling.
FAQ
What is Visitors Care Insurance?
Visitors Care Insurance is a top choice for travel medical insurance in the U.S. It covers medical costs, emergency evacuations, and COVID-19 protection.
Who needs Visitors Care Insurance?
It’s for anyone visiting the U.S., like tourists, business travelers, or those seeing family. It’s great for non-U.S. citizens without enough coverage at home.
What are the key benefits of Visitors Care Insurance?
It offers full medical coverage, emergency evacuations, and protection against COVID-19 (after policy effective date). It is affordable and you also get access to a global network of healthcare providers.
What coverage options are available with Visitors Care Insurance?
You can choose from fixed-benefit plans with set coverage levels. There’s also an option for adventure sports riders for those who plan to participate in such activities.
Does Visitors Care Insurance cover pre-existing conditions?
Yes, it covers “acute onset of pre-existing conditions.” This means you get a certain level of coverage for these medical issues.
How does Visitors Care Insurance handle COVID-19 coverage?
It provides pandemic travel protection. This includes coverage for medical costs and travel disruptions due to COVID-19 outbreaks.
How does the claims process work with Visitors Care Insurance?
You can use healthcare providers in the Visitors Care Insurance network. Then, file claims with the insurance company. The plan also has different deductible options to fit your needs.
How does Visitors Care Insurance compare to other travel insurance providers?
Visitors Care Insurance is more affordable and offers a unique experience for international travelers in the U.S. It meets the specific needs of these visitors.
