Visitors Care

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

Summary of Benefits

Plan Information
 
  Plan A Plan B Plan C
$25,000 maximum benefit per life of plan $50,000 maximum benefit per life of plan $100,000 maximum benefit per life of plan
Inpatient Treatment
 
  Plan A Plan B Plan C
Hospital room and board Up to $825 per day, 30 day maximum per period of coverage Up to $1,400 per day, 30 day maximum per period of coverage Up to $1,950 per day, 30 day maximum per period of coverage
Intensive care Up to an additional $400 per day, 8 day maximum per period of coverage Up to an additional $660 per day, 8 day maximum per period of coverage Up to an additional $850 per day, 8 day maximum per period of coverage
Surgical treatment Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Physician consult Up to $350 per period of coverage Up to $450 per period of coverage Up to $500 per period of coverage
Pre-admission tests Up to $750 per period of coverage Up to $1,100 per period of coverage Up to $1,100 per period of coverage
Private duty nurse Up to $400 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Physician visits Up to $40 per visit, 30 visits per period of coverage Up to $55 per visit, 30 visits per period of coverage Up to $85 per visit, 30 visits per period of coverage
Outpatient Treatment
 
  Plan A Plan B Plan C
Surgical treatment Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Surgical facility fee Up to $750 per surgical session Up to $900 per surgical session Up to $1,000 per surgical session
Diagnostic x-ray & lab Up to $650 per period of coverage, ($325 per procedure) Up to $800 per period of coverage, ($400 per procedure) Up to $950 per period of coverage, ($475 per procedure)
Hospital emergency room Up to $200 per visit Up to 75% of URC to $330 per visit Up to 75% of URC to $550 per visit
Prescription drugs Up to $150 per period of coverage Up to $250 per period of coverage Up to $250 per period of coverage
Physician visits Up to $50 per visit, 10 visits per period of coverage Up to $55 per visit, 10 visits per period of coverage Up to $85 per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Treatment
 
  Plan A Plan B Plan C
Anesthetist Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
Assistant surgeon Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
Other Coverages
 
  Plan A Plan B Plan C
Local ambulance Up to $250 per period of coverage Up to $450 per period of coverage Up to $450 per period of coverage
Dental for accident to sound natural teeth Up to $350 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Physical therapy Up to $25 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage
Extended care facility Up to $150 per day, 15 day maximum per period of coverage Up to $200 per day, 15 day maximum per period of coverage Up to $250 per day, 15 day maximum per period of coverage

Coverage Information

Emergency 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 Up to $25,000
Plan B & C Up to $50,000

Heart Care Plus Rider

In the event an insured person experiences a Stroke or Myocardial Infarcation (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 per period of coverage for ages 0 - 69 and up to $2,500 per period of coverage for ages 70+.

AgeBenefit Amount
0-69Up to $5,000
70+Up to $2,500

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 $7,500; or up to $5,000 for the preparation, local burial, or cremation of your mortal remains at the place of death. these must be approved and coordinated in advance through IMG.

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 god-send 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.