Visitors Care Insurance Plan – What to Know- Benefits, Plan Details & More

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.

A limited fixed benefit, schedule of benefit plans is a plan that has a fixed "dollar" limit on each and every eligible medical expense offered by the plan. There is a fixed limit on doctor visits, urgent care visitors, emergency room, surgery, labs, etc. With a schedule of benefit plan, you can go to any doctor or hospital you choose as there is no PPO network (Preferred Provider Organization) to consider. With these types of plans, you will be responsible for paying the full bill upfront and claiming it to the insurance company to get the reimbursement per the schedule of benefits. These plans have a deducible you have to meet per sickness/illness. One of our most popular schedule of benefit plans is Visitors Care. Unless cost is the main factor for deciding a plan, we recommend sticking to a comprehensive coverage plan.

The restrictions listed in the plan brochure are the schedule of benefits. That means for each benefit the plan offers, there is a fixed "dollar" limit every eligible medical expense offered by the Visitors Care plan. You will be responsible for paying the full bill upfront at the provider’s office and claiming the bill to IMG Global for reimbursement per the schedule of benefits.

The deductible you select for Visitors Care visitors insurance plan is per illness/injury. That means, for a new illness/injury, you will need to meet the deductible first before the insurance company IMG Global will reimburse per the schedule of benefits. If you visit the doctor multiple times for the same illness/injury, you will need to meet this deductible once. If you visit the doctor for a new illness/injury, you will need to meet the deductible again as the deductible is per illness/injury. You can also see all the benefits listed on the Visitors Care brochure.

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.