Frequently Asked Questions
Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.
Your credit card or domestic insurance may cover you in some instances, but few plans are as comprehensive as travel insurance. It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered.
IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:
- Individuals not residing in the U.S.
- Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
- Individuals with a coverage gap of less than 3 months
- Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
- Individuals with a religious conscience exemption (applies only to certain faiths)
- Members of a health care sharing ministry
- Incarcerated individuals
- Individuals with income below the tax filing threshold; and
- Members of Indian tribes
You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan.
In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.
However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.
The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.
The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.
As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.
If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit.
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
The information provided above is for general informational purposes only. While we have attempted to provide current, accurate and clearly expressed information, this information is provided "as is" and IMG makes no representations or warranties regarding its accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. External users should seek professional advice from their own attorneys and tax advisers with respect to their individual circumstances and needs.