Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents

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Summary of Benefits

Plan Information
 
 LitePlusPlatinum
Period of Coverage5 days up to 2 years5 days up to 2 years5 days up to 2 years
Period of Coverage Limit$25,000 per illness/injury $50,000 per illness/injury$100,000 per illness/injury
Area of CoverageNon-U.S. residents traveling to the U.S.Non-U.S. residents traveling to the U.S.Non-U.S. residents traveling to the U.S.
Deductibles$0, $50, $100$0, $50, $100$0, $50, $100
Acute Onset of Preexisting Conditions$25,000 max per coverage period (subject to sub-limits below)$50,000 max per coverage period (subject to sub-limits below)$100,000 max per coverage period (subject to sub-limits below)
Emergency Medical Evacuation
Arises or results directly or indirectly from a covered acute onset of a preexisting condition 		$25,000 max per period of coverage$25,000 max per period of coverage$25,000 max per period of coverage
Physician Visits/Services$40 max per visit 30 max visits per period of coverage $60 max per visit 30 max visits per period of coverage $85 max per visit 30 max visits per period of coverage
Urgent Care Center$40 max per visit/10 max visits$60 max per visit/10 max visits$85 max per visit/10 max visits
Hospital Emergency Room$200 max per visit$330 max per visit$550 max per visit
Hospitalization/Room & Board
Average semi-private room rate Includes nursing, misc., and ancillary services 		Up to $825 max per day 30 day max per period of coverage Up to $1,400 max per day 30 day max per period of coverage Up to $2,000 max per day 30 day max per period of coverage
Intensive CareUp to an additional $400 max per day, 8 day max per period of coverage Up to an additional $660 max per day, 8 day max per period of coverage Up to an additional $850 max per day, 8 day max per period of coverage
Outpatient Surgical/ Hospital FacilityUp to $2,000 max per surgical session Up to $750 max per surgical session (facility) Up to $3,300 max per surgical session Up to $900 max per surgical session (facility) Up to $5,500 max per surgical session Up to $1,000 max per surgical session (facility)
LaboratoryUp to $400 max per period of coverage ($200 per procedure) Up to $450 max per period of coverage ($250 per procedure) Up to $500 max per period of coverage Radiology/X-ray ($500 per procedure)
Chemotherapy/Radiation Therapy$550 max per visit$1,100 max per visit$1,350 max per visit
Pre-Admission TestingUp to $750 max per period of coverage Up to $1,100 max per period of coverage Up to $1,100 max per period of coverage
SurgeryUp to $2,000 max per surgical session Up to $3,300 max per surgical session Up to $5,500 max per surgical session
Assistant Surgeon
20% of the primary surgeon’s eligible fee 		Up to $450 max per surgical session Up to $825 max per surgical session Up to $1,375 max per surgical session
AnesthesiaUp to $450 max per surgical session Up to $825 max per surgical session Up to $1,375 max per surgical session
Durable Medical Equipment$550 max per period of coverage$1,000 max per period of coverage$1,300 max per period of coverage
Physical Therapy
Medical order or treatment plan required 		Up to $40 max per visit per day, 12 max visits per period of coverage Up to $40 max per visit per day, 12 max visits per period of coverage Up to $40 max per visit per day, 12 max visits per period of coverage
Extended Care Facility
Upon direct transfer from an acute care hospital 		Covered under Hospital Room & Board Covered under Hospital Room & Board Covered under Hospital Room & Board
Home Nursing Care
Provided by a home healthcare agency upon direct transfer from an acute care hospital 		$550 max per period of coverage $550 max per period of coverage $550 max per period of coverage
Prescriptions
Dispensing limit: 90 days 		Up to $250 max per period of coverage Up to $250 max per period of coverage Up to $250 max per period of coverage
Emergency Local AmbulanceUp to $250 max per period of coverage Up to $450 max per period of coverage Up to $475 max per period of coverage
Emergency Medical EvacuationUp to $25,000 max Up to $50,000 maxUp to $50,000 max
Return of Mortal Remains$25,000 max with $5,000 max for Cremation/Burial $25,000 max with $5,000 max for Cremation/Burial $25,000 max with $5,000 max for Cremation/Burial
Common Carrier Accidental Death $25,000 max per period of coverage $25,000 max per period of coverage $25,000 max per period of coverage
Dental InjuryUp to $550 max per period of coverage Up to $550 max per period of coverage Up to $550 max per period of coverage
Incidental Trip
Maximum days: 14 Insured person’s country of residence is not the United States 		14 day maximum 14 day maximum 14 day maximum
Terrorism$50,000 max per period of coverage $50,000 max per period of coverage $50,000 max per period of coverage
COVID-19 / SARS-CoV-2 CoverageCOVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.

Coverage Information

Emergency Medical Evacuation

The plan includes coverage for emergency medical evacuations 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 the home country or the country where the evacuation occurred. These must be approved and coordinated in advance through IMG.

 

Lite, Plus, PlatinumUp to $25,000 max per period of coverage

Common Carrier

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

Return of Mortal Remains or Cremation/Burial

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 $25,000, or up to $5,000 for the preparation, local burial, or cremation of your mortal remains at the place of death.

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), subject to: 1) The insured person must have left their home country, 2) The total period of coverage must be for a minimum of 30 days, and 3) The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine if PPACA is applicable to them, and the Company and IMG shall have no liability to any person whatsoever for their failure to obtain or maintain PPACA compliant insurance coverage.

 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.