Visitors Care

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

Summary of Benefits

Plan Information
 
  Plan A Plan B Plan C
Period of Coverage 5 days to 2 years 5 days to 2 years 5 days to 2 years
Period of Coverage Limit $25,000 per illness/injury $50,000 per illness/injury $100,000 per illness/injury
Area of Coverage Non-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 Care Up 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 Facility Up 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)
Laboratory Up 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 Testing Up 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
Surgery Up 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
Anesthesia Up 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 Ambulance Up 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 Evacuation Up to $25,000 max Up to $50,000 max Up 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 Injury Up 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

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.

 

Plan A, B, & C Up 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.

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.

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.

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
  • "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.