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Visitors Care® by IMG Global Low-Cost Limited Schedule of Benefits Plan

Visitors Care®

Visitors Care® Insurance is a Low-Cost Insurance with Limited scheduled of benefits, which has life time benefit limits for non-US citizens traveling outside their home country. Visitors Care® offers benefit maximums of $25,000, $50,000 or $100,000 for the life of the plan with various deductible options such as $0, $50 or $100. Visitors Insurance Coverage is 100% of the covered amount as per Scheduled of Benefits The Visitors Care® insurance plan will be covered in USA/Worldwide,as long as they are outside their country of citizenship. The overseas travel health insurance plans are administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation. The Visitors Care® plan offers 24-hour assistance from a multilingual, international customer service center, which can handle transactions in any language and work with any type of currency. If the policy holder becomes hurt or ill when he is away from home, qualified professionals at the Customer Service Center can help him locate excellent medical care through the 17,000 providers in Visitors Care® International Providers Access (IPA) system. However, it is not necessary to use the medical providers in the IPA system but this service is available if needed.

The plan is renewable (without break in coverage) for 5 days up to 12 months and up to a maximum total of 24 continuous months. For each renewal, you will be charged a fee of $5 in addition to the premium costs.

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Don’t let your medical coverage be an uncertainty. Travel with one of IMG’s Travel Medical Insurance® plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.

** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***

Yes, Visitors Care Plan does cover covid-19 like any other eligible medical expense. Testing for travel reasons and/or general knowledge are not covered. Coronavirus testing is covered if medically necessary per doctor’s orders.

Yes, Visitors Care Insurance Plan will give you worldwide coverage outside of your home country. Visitors Care does not provide coverage if your primary destination is outside of the U.S. You need to travel the U.S. first.

Visitors Care Plan is eligible foreign travelers or greencard holders who are traveling outside of their home country. U.S. Citizens cannot purchase this plan.

The deductible is what you will need to pay per sickness/injury. With a low-cost, schedule of benefit plan like Visitors Care Insurance, you will have to meet the deductible first and pay and claim the rest of the bill to the insurance company IMG Global.

Visitors Care offers acute onset of a pre-exisiting condition benefit. See full benefit definition below.

Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person:

  • (i) knew or reasonably foresaw he/she would receive,
  • (ii) knew he/she should receive,
  • (iii) had scheduled, or
  • (iv) were told that he/she must or should receive, any medical care, drugs or Treatment

No, this plan does not offer adventures sports or add-on adventure sports rider. You will need to purchase a comprehensive coverage plan like Patriot America Plus for adventure sports coverage.