Visitors Care Insurance Information, Benefits And Eligibility
Visitors Care Insurance from IMG comes with 35+ years of extensive experience in providing visitors health insurance coverage.
Visitors Care Insurance plan is a fixed benefit limited plan, designed for visitors traveling outside their home country to the USA.
Also known as a scheduled benefit plan, this short-term health insurance plan offers coverage for medical expenses related to injuries and illnesses.
This visitor health insurance plan is eligible for foreign travelers or green card holders who are traveling outside of their home country. U.S. citizens cannot purchase this plan.
Healthcare costs in the USA are very high when you buy visitor medical insurance for your loved ones or parents visiting the USA you are buying protection against unexpected medical expenses. Those traveling to the USA are recommended to get visitor health insurance.
Senior travelers are more likely to require medical care, they should have a visitors’ medical insurance for international travel while in a foreign country. Find visitor insurance for parents that satisfies your requirements and needs.
Note: Low-cost fixed benefit plans are also called scheduled benefit plans or limited coverage plans.
Visitors Care Travel Insurance Is Available In 3 (three) Options:
| Visitors Care Lite | With a $25,000 Policy Maximum |
| Visitors Care Plus | With a $50,000 Policy Maximum |
| Visitors Care Platinum | With a $100,000 Policy Maximum |
Visitors Care Insurance Is Ideal For
The Visitors Care travel medical insurance plan is ideal for international travel for:
| USA Visitors |
| Foreign Visitors |
| Vacations, Holidays |
| International Visitors |
| New Immigrants To The USA |
| Foreign Visitors To The USA |
| Employers, Business Travelers To The USA |
| Travel Medical Insurance For Parents Visiting The USA |
| Travel Medical Insurance Plans For Non-U.S. Residents |
| Student Health Insurance For International Or Foreign Students Studying In The USA On F1 or J1 Visas |
Visitors Care Insurance Plan Details
| Coverage Type | Limited Coverage |
| A.M. Best Rating | A |
| Administrator | International Medical Group (IMG) |
| Underwriter | SiriusPoint Speciality Insurance Corporation |
| For Ages | 0 to 99 years |
| Period Of Coverage | 5 days to 365 days |
| Extendable | Yes, for up to 24 months |
| Cancellable | Yes |
| PPO Network Provider | First Health PPO Network |
| Acute On-Set Of Pre-Existing Conditions Coverage | Yes |
Key Benefits – Visitors Care Travel Medical Insurance
- Renewable for up to 24 months
- Maximum Limits from $25,000 to $100,000
- Deductible options from $0 to $100
- Utilizes the First Health PPO Network
Visitors Care Travel Medical Insurance – Eligibility
- For non-U.S. residents traveling to the U.S.
- For non-U.S. residents traveling outside their home country
- The person must be at least 14 days old and less than 99 years of age
- The person must not be a Habitual Resident of the United States
- The person must not be a citizen of the Destination Country
Visitors Care Insurance Plan In Detail
The Visitors Care Insurance from IMG is a temporary fixed health insurance plan specifically designed to cover medical emergencies for non-US residents traveling internationally, particularly those visiting the United States.
The plan offers fixed benefits for medical expenses and is available for both vacations and business trips. With Visitors Care you spend more time enjoying and less time worrying about your medical coverage.
Visitors Care More Details:
- Visitors Care Insurance has specific benefit limits for different covered medical expenses.
- Visitors Care provides worldwide coverage outside of the policyholder’s home country, as long as they are outside their country of citizenship
- The plan covers emergency medical evacuations, accidental death on common carriers, return of mortal remains, and incidental home country coverage
- Deductible options ranging from $0 to $100
- Maximum limits from $25,000 to $100,000
- It can be purchased for a minimum of 5 days and can be renewed for up to 24 months
- Visitors Care Insurance is administered by the International Medical Group (IMG)
- The Plan is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- “Excellent” by A.M. Best
- Visitors Care offers coverage for acute onset of pre-existing conditions for individuals below 70 years of age
- Visitors Care covers COVID-19 for initial purchases made on or after 05/05/21 like any other eligible medical expense, as long as the testing is medically necessary as per doctor’s orders. However, it does not cover testing for travel reasons or general knowledge.
- Visitors Care medical insurance plan has a deductible that the policyholder will need to pay per sickness/injury
- With a low-cost, schedule of benefit plan like Visitors Care, the policyholder will have to meet the deductible first and pay and claim the rest of the bill to the insurance company IMG Global
- This short-term health insurance plan provides coverage for medically necessary charges and can be renewed online
- It does not offer coverage for adventure sports or add-on adventure sports riders
- In the U.S., once the deductible is met within the First Health PPO network, the insurance providers (Insurance Company) will cover up to the specified amount outlined in the policy document for each eligible treatment or service.
NOTE:
Fixed benefit plans have specific benefit limits for different covered medical expenses and are not the same as the plan maximum. Understand the difference between Comprehensive and Limited coverage plans before deciding your travel insurance for parents visiting USA or for yourself.
Some of the best-selling travel medical insurance plans are:
- Patriot America Plus – Comprehensive coverage plan
- Atlas America – Comprehensive coverage plan
- Safe Travels USA Comprehensive – Comprehensive coverage plan
- VisitorSecure – Limited coverage Plan
Compare Travel Insurance Plans
Visitors Care Travel Health Insurance – Coverage Information
Emergency Medical Evacuation:
Emergency Medical Evacuation coverage is essential for any international visitor traveling outside their home country. This coverage includes transportation to the nearest qualified medical facility in life-threatening situations, expenses for reasonable transportation resulting from the evacuation, and the cost of returning to either his or her home country or the country where the evacuation occurred. This coverage is subject to approval and coordination in advance through IMG.
Emergency Medical Evacuation Maximum Limit is $25,000 under this visitors medical insurance plan.
Common Carrier Accidental Death:
Visitors Care Insurance offers Common Carrier Accidental Death coverage, which provides a $25,000 payout to the designated beneficiary if accidental death occurs while traveling on a commercial common carrier during the period of coverage.
This benefit is included in all Visitors Care plans, with a maximum limit of $25,000 per period of coverage
Return Of Mortal Remains Or Cremation/Burial
Repatriation of remains coverage ensures that in the unfortunate event of a traveler’s death abroad, the insurance plan will cover the cost of repatriating the deceased person’s remains to their home country.
Repatriation coverage is crucial for travelers to consider, especially when traveling abroad, as it helps alleviate the financial burden and logistical challenges during a difficult time.
Visitors Care Insurance includes coverage for the Return of Mortal Remains, also known as Repatriation expenses Up to a maximum of $25,000, or up to $5,000 for the preparation, local burial, or cremation of mortal remains at the place of death.
Incidental Home Country Coverage
Visitors Care Insurance includes Incidental Home Country Coverage, allowing insured individuals to return to their home country for short visits during the coverage period.
This benefit permits a cumulative total of two weeks for incidental visits back to the home country while maintaining coverage.
To qualify for this coverage, certain conditions must be met, such as
- Leaving the home country
- Having a minimum coverage period of 30 days, and
- Ensuring that the return to the home country is not to receive treatment for an illness or injury incurred during travel.
This feature provides flexibility for travelers to briefly return home while still retaining insurance coverage during their visit
Pre-Existing Conditions Coverage
Visitors care insurance offers coverage for Acute onset of pre-existing medical conditions up to $25,000 for persons under 70 years of age.
Emergency Medical Evacuation as a result of a covered Acute onset of pre-existing conditions is covered up to $25,000 for persons under 70 years of age.
Considering travel insurance that covers pre-existing medical conditions is especially crucial if you’re planning a trip to the USA or for your parents visiting USA.
With the unpredictable nature of health emergencies and the high healthcare costs in the United States, having coverage for pre-existing conditions can provide invaluable peace of mind during your travels.
Acute Onset Of Pre-Existing Conditions
To be eligible for the limited coverage and benefits for an acute onset of a pre-existing condition, the insured person must meet all the terms of medical coverage in the insurance plan.
- The insured person must be traveling outside their country of residence
- The insured person must be under 70 years old
- Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence
- The insured must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition
- The pre-existing condition must have stabilized for at least 30 days before the effective date without a change in treatment
These are some of the conditions for medical coverage, for a complete list refer to the policy documents.
Key Aspects Include:
Eligibility:
Open to non-U.S. residents who are non-US citizens, U.S. residents, or green card holders residing in the U.S.
Medical Maximum:
Offers coverage options of $25,000, $50,000, or $100,000.
Deductible Options:
Ranging from $0, $50, $100.
Coverage Duration:
Minimum purchase of 5 days to 365 days, renewable up to 24 months.
Benefits:
Coverage includes emergency medical evacuations, hospitalization, surgery, prescription drugs, ambulance services, emergency dental treatment, doctor visits, and more.
Additional Coverage:
Acute-onset of pre-existing condition coverage, optional HeartCare Plus Rider for heart attack/stroke, and incidental home country coverage.
Underwriters:
Administered by International Medical Group (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation
What Coverage and Benefits are Offered by Visitors Care Insurance?
Visitors Care offers a range of coverage and benefits for non-U.S. residents traveling to the USA or internationally. Here are the key coverage and benefits provided by Visitors Care Insurance:
Coverage:
Fixed benefit plan for medical expenses related to injuries and illnesses, including hospitalization, surgery, physician visits, and prescriptions.
Additional Coverage:
Emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip coverage.
Coverage Options:
Maximum limits from $25,000 to $100,000 based on age with deductible options ranging from $0 to $100.
Renewable:
Can be renewed online for up to 24 months.
Pre-existing Conditions:
Offers Coverage for acute onset of pre-existing conditions for individuals below 70 years of age.
PPO Hospital Network:
Access to First Health PPO Network with the flexibility to choose any provider in the area. (direct billing may be available depending upon the provider)
Eligibility:
Available to non-US citizens or residents visiting the U.S., not applicable to U.S. Citizens, U.S. Residents, or Green Card holders in the U.S.
Visitors Care Insurance ensures that travelers have access to essential medical services and financial protection during their visit abroad
Visitors Care Insurance Specific Schedule Of Benefits
| Area Of Coverage | United States |
| Period Of Coverage | 5 days up to 12 continuous months |
| Coverage For | Non-U.S. residents traveling to the U.S. |
| Period Of Coverage limits | $25,000, $50,000, $100,000 |
| Deductibles | $0, $50, $100 |
| Coinsurance | 100% of scheduled Benefit Limit |
| Acute Onset Of Pre-Existing Medical Conditions | $25,000, $50,000, $100,000 |
| Emergency Medical Evacuation | Up to $25,000 max |
| Return Of Mortal Remains | $25,000 max |
| Cremation/Burial | $5,000 max |
| Common Carrier Accidental Death | Up to $25,000 (max per period of coverage) |
| Emergency Dental Coverage | Up to $550 (max per period of coverage) |
| Terrorism Coverage | $50,000 (max per period of coverage) |
| Incidental Trip | 14 days maximum |
| Covid-19 | Covered the same as any other illness or injury |
Visitors Care Inpatient Services
| Inpatient Physician | $40 Max Per Visit |
| Specialist Consultation | $350 Maximum Limit |
| Hospital Room & Board | $825 Maximum Per Day |
| Intensive Care | $400 Additional Benefit Per Day |
| Private Duty Nursing | $400 Maximum Limit |
| Surgeon | $2,000 Maximum Per Surgical Session |
| Assistant Surgeon | $450 Maximum Per Surgical Session |
| Anesthesia | $450 Maximum Per Surgical Session |
| Chemotherapy And Radiation Therapy | $550 Maximum Limit |
Visitors Care Outpatient Services
| Pre-admission Testing | $750 Maximum Limit |
| Outpatient Physician | $50 Maximum Per Visit |
| Urgent Care Visits & Walk-in Clinic | $40 Maximum Per Visit |
| Diagnostic Laboratory & Radiology | $400 Maximum Limit |
| Hospital Emergency Room | $200 Maximum Per Visit |
| Surgical Facility | $750 Maximum Per Surgical Session |
| Surgeon | $2,000 Maximum Per Surgical Session |
| Assistant Surgeon | $450 Maximum Per Surgical Session |
| Anesthesia | $450 Maximum Per Surgical Session |
| Chemotherapy And Radiation Therapy | $550 Maximum Limit |
| Home Nursing Care | $550 Maximum Limit |
| Physical Therapy | $40 Maximum Limit |
| Durable Medical Equipment | $550 Maximum Limit |
| Prescriptions | $250 Maximum Limit |
Visitors Care Emergency Services
| Common Carrier Accidental Death | $25,000 Maximum Limit |
| Emergency Local Ambulance | $250 Maximum Limit |
| Emergency Medical Evacuation | $25,000 Maximum Limit |
| Return Of Mortal Remains | $25,000 Maximum Limit |
| Local Burial/Cremation | $5,000 Maximum Limit |
Visitors Care Other Services
| Dental Accident | $500 Maximum Limit |
| Incidental Trip | 14 days Maximum |
| Terrorism | $50,000 Maximum Limit |
Visitors Care Renewal Of Coverage
Coverage may be renewed, If the plan is purchased for a minimum of 5 days, and Unless there is a break in the coverage the plan can be renewed for a total of up to 2 years.
- Coverage can be renewed
- Renewals can be completed online
- Renewal rates may differ from initial rates
- Renewals are available in daily increments or whole month
- An additional $ 5 processing fee applies for each renewal of less than 1 month completed online
- Each insured person must only satisfy one deductible and coinsurance within each 12 months coverage period
Visitors Care Cancellation And Refund
To cancel this travel insurance plan you can submit a written request, before your effective date, for cancellation and refund of your premium paid.
You may even cancel your plan after the effective date if no claim is filed by the insured with IMG. The following conditions apply for cancellation of the plan.
- A $25 cancellation fee must be paid to cancel the plan
- Premiums considered for refund will be prorated
NOTE: If a claim is already filed then the premium is nonrefundable.
Visitors Care Insurance Claim Process
The Visitors Care Insurance claim process involves several key steps to ensure reimbursement for covered expenses. Here is a summary of the process based on the provided sources:
Filing A Claim:
- A visitors insurance claim is a formal request submitted by the policyholder to the insurance company for reimbursement of covered expenses.
- It is recommended to file a claim even if the healthcare provider bills the insurance company directly.
- The claim process involves downloading the insurance plan’s specific claim form, gathering required documents like a copy of the passport, medical bills, and receipts, and submitting the completed form to the insurance company.
Contacting The Insurance Provider:
- In case of a medical emergency, contacting the insurance provider immediately is crucial.
- The insurance company’s contact information can typically be found on the insurance card or policy documents.
Completing The Claims Form:
- Completing the claims form accurately and comprehensively is essential for a smooth claims process.
- The form should include details like personal information, policy number, medical condition description, treatment received, and associated costs.
Gathering Supporting Documents:
- Gathering supporting documents such as itemized bills, medical reports, prescriptions, and proof of payment is necessary for verifying the claim.
Submitting The Claim:
- Once all necessary documents are gathered and the claims form is completed, the completed claim form should be submitted to the insurance company for review.
- The insurance company’s claims department will then review the information and either approve or deny the claim.
By following these steps and providing all required documentation promptly, policyholders can navigate the Visitors Care Insurance claim process effectively and increase the likelihood of a successful reimbursement
Similar Plans
VisitorSecure
VisitorSecure provides visitor health insurance for a single individual or a group while traveling to the US and also when traveling internationally.
| For Ages | 14 days to 89 years |
| Plan Available From | 5 days up to 364 days |
| Overall Maximum Limit | Up to $130,000 |
| Emergency Medical Evacuation | Up to $50,000 |
| Repatriation Of Remains | Up to $25,000 |
| Local Burial/Cremation | Up to $5,000 |
| Common Carrier Accidental Death | Up to $25,000 |
| Coverage For Acute Onset Of Pre-Existing Conditions | From $50,000 to $100,000 |
| Offers Covid-19 Coverage | Yes |
Seven Corners Travel Medical USA Visitor Choice
| For Ages | 14 days to 99 years |
| Plan Available From | 5 days up to 364 days |
| Lifetime Plan Maximum | Up to $1,000,000 |
| Emergency Medical Evacuation | Up to $100,000 |
| Return Of Mortal Remains (repatriation benefits) | Up to $25,000 |
| Local Burial/Cremation | Up to $25,000 |
| Common Carrier Accidental Death | Up to $25,000 |
| Coverage For Acute Onset Of Pre-Existing Conditions | From $25,000 to $75,000 |
| Offers Covid-19 Coverage | Yes |
Note: These plans do not offer coverage for pre-existing medical conditions
Conclusion
Visitors Care Insurance is a popular budget-friendly short-term travel health insurance plan for visitors to the USA.
The plan offers immediate coverage for policy maximums of $25,000, $50,000, or $100,000
This plan can be purchased for a period of 5 days to 12 months.
The plan is renewable for up to 2 years.
The plan offers deductibles of $0, $50, or $100 and is available for immediate coverage with an online purchase.
Visitors Care Insurance provides coverage for medical accidents and sickness, emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trips.
It is a fixed benefit plan, meaning it pays a fixed amount for each procedure, and the policyholder would be responsible for paying the difference out of their pocket.
International travelers need to note that the plan does not offer adventure sports or add-on adventure sports rider coverage, and a comprehensive coverage plan like Patriot America Plus can be considered.
Visitors Care is an excellent short-term medical insurance option for parents visiting the USA providing adequate medical coverage and non-medical benefits.
