Insurance

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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Travel Medical
Insurance

Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country.

International Health Insurance

Annually renewable coverage for expats and global citizens living or working internationally for more than one year.

Travel
Insurance

Coverage for trip interruption and cancellation, lost baggage and travel delays.

Enterprise Services

We’re committed to being there for our clients' customers wherever they may be in the world, delivering superior support and assistance in times of need.

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Medical & Travel
Assistance

Services to support travelers in need of medical attention or that have travel assistance needs before, during, and after their trip.

Global Workers' Compensation Case Management

Case management services to manage highly complex workers’ comp cases that require detailed management by medical personnel extending beyond a hospitalization or out-patient procedure.

Security Assistance
Services

Real-time, worldwide security intelligence, advice, and other security services to help travelers avoid danger.

Insurance Administrative
Services

Insurance administrative services to manage all things related to your health care plan needs from enrollment to claim reimbursement.

Visitor Insurance Plans

Visitor & Immigrant Health Insurance Options

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. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You.

 

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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 our Visitor Insurance FAQs.

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.

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?

It is best to check all of your existing insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.

Disclaimer

**For CFAR, the following additional terms apply. CFAR must be added to the iTravelInsured Travel LX plan at time the base plan is purchased and within 20 days of your initial trip deposit. You must cancel your trip 2 days or more before your scheduled departure date. CFAR does not cover the failure of your travel supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 2960 North Meridian Street Suite 300 Indianapolis, IN 46208 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

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.


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