Visitor Health Insurance Plans for US & International

Visitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.

Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.

Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. Choose IMG and let us take care of you while you’re away from home.

Popular Plans
For Visitors & Immigrants

Patriot Travel Medical Insurance

Temporary health insurance for individuals, families and groups

Highlights

Travel medical insurance for individuals, families and groups
Renewable up to 24 months
Deductible options from $0 to $2,500
Maximum limits from $50,000 to $2,000,000
Coverage for medical expenses, evacuation, and repatriation

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Recommended

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

Highlights

Coverage for non-U.S. residents traveling to the USA
Renewable up to 24 months
Deductible options from $0 to $2,500
Maximum Limits from $10,000 to $500,000
Coverage for acute onset of pre-existing conditions

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Coverage:

Visitors Care

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

Highlights

Travel medical insurance for non-U.S. citizens
Renewable up to 24 months
Deductible options from $0 to $100
Maximum limits from $25,000 to $100,000
Limited coverage for medical expenses

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Price:

Coverage:

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

Additional Plans
For Visitors & Immigrants

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups when traveling outside of your home country.

Global Medical Insurance

A long-term (1+ year), annually renewable, comprehensive worldwide medical insurance program for individuals and families.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

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We're happy to help!

866-263-0669

Is Visitor Insurance Required in the U.S.?

Visitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.

Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.

For answers to any other visitor insurance questions, check out the most frequently asked visitor questions.

How Much Does Visitors Insurance Cost?
Coverage starts at a few dollars per day and increases depending on age and coverage options

IMG’s most popular visitor insurance plan, Patriot America Plus, offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.

Factors that Determine Cost
The cost of a visitor health insurance plan varies based on many factors, including:

Age of Traveler

Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.

Area of Coverage

Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.

Duration

View the breakdown of daily and monthly rates in the Patriot America Plus brochure to get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options.

Coverage Level

Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.

What Does Visitor Health Insurance Cover?
Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency Evacuation

In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.

Medical Expenses

Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.

Return of Mortal Remains

Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.

Acute Onset of Pre-Existing Condition Coverage

This benefit, provides you coverage in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously, after the effective date, and prior to the age shown in your schedule of benefits. Chronic or congenital conditions that worsen over time are not considered to be an acute onset.

*This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

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Frequently Asked Questions

Can I purchase visitors insurance for my relatives?

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.

Does my credit card or domestic medical insurance policy cover my travel expenses?

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.

I am a non-U.S. citizen that will be traveling to the U.S. temporarily. Do I need PPACA coverage?

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.

What is the Patient Protection and Affordable Care Act? (PPACA)

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.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

My family is planning a visit. When should visitors to the U.S. purchase international insurance?

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.

I already have health insurance. Why would I need Visitor Insurance in the U.S.?

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.

How long does it take to process my application and receive my ID card and other documents?

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.

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Global Resources. Local Care.

Languages Spoken
In-House

190+

Countries Where
Members are Served

Insurance Plans
to Fit Your Needs

338

Employees & Growing

800,000

Doctors & Hospitals
In Our Global Database

43,000

Maximum Limits	$50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only)
Individual Deductible options	$0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S.	Company pays 100%
Coinsurance - for treatment received within the U.S.	In the PPO Network - Company pays 100% Out of the PPO Network - Company pays 80% of eligible expenses up to $5,000, then 100%
Incidental Trips to Home Country	14 consecutive days maximum limit Insured person’s country of residence is not the U.S.
Incidental Emergency Coverage in the U.S. (Patriot International Only)	14 consecutive days maximum limit. Available only for a covered emergency medical evacuation, or an emergency injury or illness that manifested during travel through the United States to or from the Host Country
Pre-Certification	Fifty percent (50%) reduction of Eligible Medical Expenses if pre-certification provisions are not met.
Hospital Room and Board	Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive Care	Up to the maximum limit
Surgery	Up to the maximum limit
Physician Visits	Up to the maximum limit
Diagnostic Procedures	Up to the maximum limit
Prescription Medication	Up to the maximum limit
Home Health Care	Up to the maximum limit
Emergency Local Ambulance	Up to the maximum limit
Durable Medical Equipment	Up to the maximum limit
Emergency Dental Treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth.
Emergency Medical Evacuation Must be approved in advance and coordinated by the company	$1,000,000 maximum limit. Not subject to deductible.
Emergency Reunion Must be approved in advance by the company	$50,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation/Burial Must be approved in advance by the company	$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Return of Minor Children Must be approved in advance by the company	$50,000 maximum limit. Not subject to deductible.
Political Evacuation Must be approved in advance by the company	$10,000 maximum limit. Not subject to deductible.
Natural Disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism	Up to $50,000 lifetime maximum. Not subject to deductible.
Acute Onset of a Pre-existing Condition - Medical (Patriot International Only)	U.S. citizen up to age 65 with primary health plan: Up to maximum limit. U.S. citizen up to age 65 without primary health plan: $20,000 lifetime maximum. U.S. citizen age 65 to age 70: $2,500 lifetime maximum. Non-U.S. citizen up to age 70: Up to maximum limit or $500,000 - whichever is lower.
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation (Patriot International Only)	Up to age 65: $25,000 maximum limit
Urgent Care	$25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-in Clinic	$15 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy Medical order or treatment plan required	Up to the maximum limit
Hospital Emergency Room: International	Deductible waived
Hospital Emergency Room: United States	Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission
Hospital Indemnity	Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.
Common Carrier Accidental Death	$50,000 per insured person and $250,000 Maximum limit per lifetime and per Family. Not subject to deductible.
Accidental Death & Dismemberment	$25,000 principal sum. Not subject to deductible.
Identity Theft Assistance	Up to $500. Not subject to deductible.
Trip Interruption	Up to $5,000. Not subject to deductible.
Lost Luggage	Up to $50 per item; maximum of $250. Not subject to deductible.

Maximum Limit Per Period of Coverage Options	$50,000, $100,000, $500,000
Individual Deductible Options	Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance - for treatment received outside the U.S. & Canada	Company pays 100%
Coinsurance - for treatment received within the U.S. & Canada	In the PPO Network - The plan pays 100% Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%
MyIMG^SM	24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits	Coverage available for in-patient and out-patient medical expenses
International Emergency Care	A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more

Hospital Room and Board	Average semi-private room rate up to the maximum limit
Intensive Care Unit	Up to the maximum limit
Eligible Medical Expenses	Up to the maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses	Up to period of coverage maximum limit
Local Ambulance	Up to the maximum limit
Prescription Medication	Up to the maximum limit
Traumatic Dental Injury Treatment at a hospital due to an accident	Up to the period of coverage maximum limit. Subject to deductible and coinsurance. Additional treatment for the same injury rendered by a dental provider will be paid at 100%.
Emergency Dental Treatment Due to dental accident or unexpected pain to sound natural teeth	$300 maximum limit
Hospital Daily Indemnity	$100 per overnight. Up to a maximum limit of 10 overnights
Terrorism	$50,000 maximum limit
Urgent Care	$25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-in Clinic	$15 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible

Emergency Medical Evacuation Must be approved in advance and coordinated by the company	$1,000,000 maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation	$25,000 maximum limit
Emergency Reunion Must be approved in advance and coordinated by the company	$50,000 maximum limit
Return of Mortal Remains or Cremation/Burial Must be approved in advance and coordinated by the company	$50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Return of Minor Children Must be approved in advance and coordinated by the company	$50,000 maximum limit
Political Evacuation Must be approved in advance and coordinated by the company	$10,000 maximum limit

Incidental Trips to Home Country Insured person's country of residence is not the U.S.	Up to a cumulative two weeks
Trip Interruption	$5,000 maximum limit
Common Carrier Accidental Death	$50,000 to beneficiary; maximum limit of $250,000 per lifetime per family
Accidental Death & Dismemberment	$25,000 principal sum
Lost Luggage	$50 per item; maximum limit of $250
Natural Disaster	$250 per day for five days maximum
Identity Theft	$500 maximum limit

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Visitor Insurance Plans

Visitor & Immigrant Health Insurance Options

Popular Plans For Visitors & Immigrants

Highlights

Highlights

Highlights

Additional Plans For Visitors & Immigrants

Give us a call

Have any questions? We're happy to help!

Is Visitor Insurance Required in the U.S.?

How Much Does Visitors Insurance Cost?Coverage starts at a few dollars per day and increases depending on age and coverage options

Factors that Determine CostThe cost of a visitor health insurance plan varies based on many factors, including:

Age of Traveler

Area of Coverage

Duration

Coverage Level

What Does Visitor Health Insurance Cover? Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Emergency Evacuation

Medical Expenses

Return of Mortal Remains

Acute Onset of Pre-Existing Condition Coverage

Recent Blog Articles

Frequently Asked Questions

Disclaimer

Global Resources. Local Care.

Languages SpokenIn-House

Countries Where Members are Served

Insurance Plansto Fit Your Needs

Employees & Growing

Doctors & HospitalsIn Our Global Database

Producers

Why are you
away from home?

Popular Plans
For Visitors & Immigrants

Additional Plans
For Visitors & Immigrants

Have any questions?
We're happy to help!

How Much Does Visitors Insurance Cost?
Coverage starts at a few dollars per day and increases depending on age and coverage options

Factors that Determine Cost
The cost of a visitor health insurance plan varies based on many factors, including:

What Does Visitor Health Insurance Cover?
Depending on the visitor insurance plan purchased, some of the key benefits provided can include:

Languages Spoken
In-House

Countries Where
Members are Served

Insurance Plans
to Fit Your Needs

Doctors & Hospitals
In Our Global Database