Visitors Care Medical Insurance - Travel Insurance
*Best for Any Non-US Citizens traveling to US
*Low Cost Travel Insurance Coverage
*Your choice of deductible & Maximum coverage 		*Immediate coverage after departing from home country
*NO Medical Records/Checkup Needed!
*Obtain INSTANT ID CARDS by applying ONLINE
 
  1. Quote-Buy Online

  2. View Brochure & Application
  3. Rates
  4. Benefits
  5. Exclusions

The Visitors Care plan provides scheduled coverage for individuals traveling and/or temporarily residing outside their home country for a minimum of five days. The plan is renewable (without break in coverage) for 5 days up to 12 months up to a maximum total of 24 continuous months. However, any one policy period may not exceed 12 months. For each renewal, you will be charged a fee of US$5 in addition to the premium costs.

After 24 months of continuous coverage, the Visitors Care plan can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply and a new application must also be completed.

Traveling abroad can be an exciting experience. But what would happen if you or one of your family members became ill or injured while away from home? International travel can quickly turn frightening if you're not prepared for a medical emergency.

Most travelers assume they will be covered by their standard medical plan. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed for international travel. Without even realizing it, you may be putting your health - & that of your family - at risk.

What if you are injured or become ill during your trip? Could you get quality treatment at an unfamiliar hospital? How would you deal with the language and currency barriers? What if the treatment you need isn't available nearby? Who do you call? Imagine trying to call your insurance company at 3:00 a.m. from a foreign country during a medical emergency! Will they be there when you need them the most?

You have enough things to worry about when you're traveling. Don't let your medical coverage be one of them. International Medical Group (IMG) has developed Visitors Care Insurance plans to provide you and your family Coverage without Boundaries. Each plan offers a complete package of international benefits & 24 hour availability. Simply select the one that best fits your needs.


The Experienced Plan Administrator:
Since 1990, International Medical Group has provided a unique, full-service approach to insurance coverage. Dedicated exclusively to international insurance market, IMG provides coverage services to individuals and families in more than 150 countries. Medical treatment while traveling is often an unfortunate fact of life. Our goal is to make the medical process a smooth and efficient one. IMG's multilingual claims administrators, on-site medical staff and customer service professionals work together to ensure that you medical needs are met. We process as many as 100,000 claims each year from countries throughout the world, and can confidently handle virtually any language or currency.

To give you true Global Peace of Mind, IMG representatives are available 24 hours a day, seven days a week, 365 days a year for medical emergencies, evacuations and precertifications. Our customer service is routinely rated among the highest in the industry. You can rest assured that IMG will be there for you, whether it be for routine treatment or during a medical emergency.

IMG gives you worldwide coverage experience, impeccable service and international expertise. Don't leave your medical care to chance. Let IMG reduce the uncertainties of international travel for you & your family.


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All the deductible and all the policy maximum plan options available

Rates: Visitors Care  

Plan A - US$25,000 maximum benefit per life of plan

All premium rates are in US dollars and are effective through 08/31/2008. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

Deductible per period of coverage Option 1
US$0.00		 Option 2
US$50.00		 Option 3
US$100.00
 
AGE Monthly Rates
2 weeks-49 $31.00 $26.00 $23.00
50-69 $47.00 $39.00 $36.00
70-79 N/A $61.00 $58.00
80+* N/A $122.00 $116.00
DEP. CHILD $24.00 $20.00 $18.00
 
  Daily Rates
2 weeks-49 $1.04 $0.87 $0.77
50-69 $1.57 $1.30 $1.20
70-79 $N/A $2.03 $1.93
80+* $N/A $4.10 $3.90
DEP. CHILD $0.80 $0.67 $0.60
 

Plan B - US$50,000 maximum benefit per life of plan

All premium rates are in US dollars and are effective through 08/31/2008. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

Deductible per period of coverage Option 4
US$0.00		 Option 5
US$50.00		 Option 6
US$100.00
 
AGE Monthly Rates
2 weeks-49 $47.00 $39.00 $36.00
50-69 $71.00 $59.00 $55.00
70-79 N/A $91.00 $86.00
DEP. CHILD $36.00 $30.00 $28.00
 
  Daily Rates
2 weeks-49 $1.56 $1.30 $1.20
50-69 $2.36 $1.97 $1.83
70-79 $N/A $3.05 $2.90
DEP. CHILD $1.20 $1.00 $0.93
 

Plan C - US$100,000 maximum benefit per life of plan

All premium rates are in US dollars and are effective through 08/31/2008. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

Deductible per period of coverage Option 7
US$0.00		 Option 8
US$50.00		 Option 9
US$100.00
 
AGE Monthly Rates
2 weeks-49 $70.00 $58.00 $54.00
50-69 $104.00 $87.00 $85.00
70-79 N/A $136.00 $132.00
DEP. CHILD $59.00 $49.00 $45.00
 
  Daily Rates
2 weeks-49 $2.33 $1.93 $1.83
50-69 $3.47 $2.90 $2.83
70-79 N/A $4.55 $4.40
DEP. CHILD $1.97 $1.63 $1.50
Visitor Care- Benefits:
The plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$0, US$50, or US$100 applied per period of coverage. When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.
 
INTERNATIONAL EMERGENCY CARE
Emergency Evacuation To US$50,000 when coordinated through IMG (not to exceed plan maximum)
The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable travel and accommodations resulting from the evacuation, which must be approved and coordinated in advance.
 
Return of Mortal Remains To US$7,500 when coordinated through IMG
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of US$7,500.

SPECIAL COVERAGE
Home Country Coverage As described below
Incidental Home Country Coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), so long as: a. The insured person must have previously left his/her home country for some portion of the period of coverage, and b. The return to the home country must not be undertaken for the purpose of receiving treatment for an illness or injury incurred while traveling or residing outside the home country.
 
Common Carrier Accidental Death US$25,000 to Beneficiary

If accidental death should occur while traveling on a commercial common carrier during the period of coverage, US$25,000 will be paid to the designated beneficiary.

MEDICAL BENEFITS - usual, reasonable and customary charges, subject to deductible where applicable

  Plan A - US$25,000 maximum benefit per life of plan Plan B - US$50,000 maximum benefit per life of plan Plan C - US$100,000 maximum benefit per life of plan
Inpatient Treatment
Hospital room & board Up to US$825 per day, 30 day maximum per period of coverage Up to US$1,400 per day, 30 day maximum per period of coverage Up to US$1,950 per day, 30 day maximum per period of coverage
Intensive Care Additional US$400 per day, 8 day maximum per period of coverage Additional US$660 per day, 8 day maximum per period of coverage Additional US$850 per day, 8 day maximum per period of coverage
Surgical Treatment US$2,000 per surgical session US$3,300 per surgical session US$5,500 per surgical session
Consult physician US$350 per period of coverage US$450 per period of coverage US$500 per period of coverage
Pre-admission tests US$750 per period of coverage US$1,100 per period of coverage US$1,100 per period of coverage
Private duty nurse US$400 per period of coverage US$550 per period of coverage US$550 per period of coverage
Physician visits US$40 allowable charge per visit, 30 visits per period of coverage US$55 allowable charge per visit, 30 visits per period of coverage US$85 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment US$2,000 per surgical session US$3,300 per surgical session US$5,500 per surgical session
Diagnostic x-ray & lab US$650 per period of coverage, (US$325 allowable charge per procedure) US$800 per period of coverage, (US$400 allowable charge per procedure) US$950 per period of coverage, (US$475 allowable charge per procedure)
Hospital emergency room 75% of URC to US$200 75% of URC to US$330 75% of URC to US$550
Prescription drugs US$150 per period of coverage US$250 per period of coverage US$250 per period of coverage
Physician visits US$50 allowable charge per visit, 10 visits per period of coverage US$55 allowable charge per visit, 10 visits per period of coverage US$85 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist 25% of surgical benefit 25% per surgical session 25% per surgical session
Assistant surgeon 25% of surgical benefit 25% per surgical session 25% per surgical session
Other Coverages
Ambulance US$250 per period of coverage US$450 per period of coverage US$450 per period of coverage
Dental for accident to sound natural teeth US$350 per period of coverage US$550 per period of coverage US$550 per period of coverage
Physiotherapy US$25 per visit per day, 12 visits per period of coverage US$40 per visit per day, 12 visits per period of coverage US$40 per visit per day, 12 visits per period of coverage


The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin.

PLEASE NOTE: This web page contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages and benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.
 
Visitor Care- Exclusions:

Charges for the following services, treatments and/or conditions, among others, are expressly excluded from coverage under the Visitors Care plan:

  1. Pre-existing Conditions. Any Injury, Illness, sickness, disease, or other physical or medical disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three years prior to the Effective Date of the Initial Period of Coverage, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed, including any subsequent, chronic or recurring complications
  2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  3. War, political insurrection, protest, or any act thereof.
  4. Immunizations and routine physical exams.
  5. Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly provided for in the Policy Wording.
  6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured Person who was HIV+ at time of enrollment into this insurance.
  7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
  8. Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guides are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation (except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreational downhill and/or cross country snow skiing (no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked inbound territories; and/or against the advice of the local ski school or local authoritative body), racing of any kind including by horse, motor vehicle (of any type) or motorcycle, spelunking, and subaqua pursuits involving underwater breathing apparatus.
  9. Vision or ear tests and the provision of visual or hearing aids.
  10. Vocational, recreational, speech or music therapy.
  11. Charges incurred for custodial care, educational or rehabilitative care, or nursing services.
  12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the Insured Person, including without limitation, engaging in an illegal occupation or act, but excluding minor traffic violations.
  13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating of any type of vehicle after consuming any alcohol or drugs.
  15. Willful self-inflicted injury or illness.
  16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the Visitors Care plan.
  17. Any services or supplies performed or provided by a relative of the Insured Person or provided at no cost to the Insured Person.
  18. Treatment for mental and nervous disorders.
  19. Organ or tissue transplants, and all related services.
  20. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

 

PLEASE NOTE: This brochure contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverage or benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.