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Visitor
Insurance

Top-Rated 4.6/5 Star Company

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Happy Visits. Safe Travels.

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. Visitor insurance ensures that travelers have access to necessary medical care and financial protection during their stay in the U.S.

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What’s covered?

  • Emergency
    Evacuation

  • 24/7 Travel
    Assistance Services

  • Medical
    Expenses

  • Pre-Existing
    Condition Coverage

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Do I need Visitor Health Insurance?

Visitor insurance is not required to travel to the U.S. on a B-2 visa. However, 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 a wide range of coverage options, access to multilingual customer service experts, and 24/7 assistance services to make traveling internationally less stressful.

What factors should I consider?

  • U.S. Healthcare Costs - Receiving medical care in the U.S. can be much more expensive than in other countries, and while you may never intend to need health coverage, purchasing a visitor insurance plan can help protect you and/or your loved ones from an unexpected illness or injury.

  • Coverage Options - 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.

  • Pre-Existing Coverage - Do you have a pre-existing medical condition that may require specialized treatment while you're visiting the United States? Select plans include coverage for pre-existing conditions, so you can get the appropriate care you need.

Choosing the right plan

Visitor insurance plans are excellent for non-U.S. citizens traveling to America. Whether its visiting family members or friends, vacationing, or taking a business trip, visitor insurance can protect you from unexpected illnesses or injuries that occur while away from your home country. Purchasing visitor insurance is a very simple process as no medical exam or medical history review is necessary to get coverage. If you need help picking the best option for you, read How to Choose the Best Visitor Insurance Plan.

Visitors Preferred

Medical
$10,000 - $1,000,000
Medical Evacuation
Up to $100,000 per person
Pre-Existing Conditions
Not Included
Border Entry
Up to $500
Telehealth
Included
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Most Popular

Patriot Plus

Medical
$50,000 - $1,000,000
Medical Evacuation
Up to $1,000,000
Pre-Existing Conditions
Not Included
Border Entry
Not Included
Telehealth
Optional Add-On
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See Price
Recommended

Visitors Protect

Medical
$50,000 - $250,000
Medical Evacuation
Up to $25,000
Pre-Existing Conditions
Up to $25,000
Border Entry
Not Included
Telehealth
Optional Add-On
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See Price

Additional Plans

Top-rated coverage. Global peace of mind.

Rest assured knowing IMG is there with you, wherever your travels take you, providing worldwide coverage, international claims specialists, and access to 24/7 emergency assistance services with multilingual capabilities. We specialize in many common travel protection areas so you can travel with global peace of mind.

Millions of Doctors and Teledocs - While traditional health insurance may limit you to certain providers, a global policy allows you to choose the hospital or doctor for your medical evaluation and treatment, including telehealth appointments on some plans.

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24/7 Support & Assistance - Our multilingual in-house staff of nurses, doctors, and case managers provide 24/7/365 assistance services in case of emergency.

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Safety Solutions - We know your safety while traveling abroad is important to you, so IMG's visitor insurance plans have solutions for physical health, mental wellness, financial protection, crisis support, and personal property.

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Coverage for Pre-Existing Conditions - Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. Patriot America Plus and Patriot America Platinum plans offer coverage for acute onset of pre-existing conditions only.

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Kind Words from Happy Customers

  • I use IMG for almost every travel in the US and am now also using them for international travel. I've only ever had great experiences, the prices are phenomenal and the ease of signing up is unbeatable.

    Rina G.

  • Very user-friendly online application process with various options to match your budget or needs.

    Thomas F.

  • The experience on the website is fantastic, and this is the third time I purchased this insurance for my trips to Spain…

    Mercedes P.

  • I have used IMG several times. I highly recommend this company - great coverage with reasonable premiums!

    Inna C.

  • I used the coverage from IMG 5 years ago on a trip to Europe, and I am happy to use it again. The platform is easy to navigate with diverse options to pick from according to your needs.

    Serge D.

  • Simple and straight forward combined with good coverage for the price. This is our third policy with IMG, and we have been very satisfied.

    James B.

  • Easy to use and understand. I have been very satisfied with my previous purchases from this company and will continue to use them in the future.

    Arwen F.

  • Very easy to navigate. The plans offered are very reasonable and straight forward. I have used IMG on several occasions and I'm very pleased with the service.

    Randy K.

  • Reasonable price. Easy to purchase. I’ve been using this company for several years. Happy customer.

    Reid R.

  • I have used IMG for all international travel for the past several years and it’s been an easy experience. I filed one claim along the way, and that too, was easy.

    Diane B.

  • We have been using IMG travel insurance for several years. When there is a covered expense, their response is very timely, and the claims process is easy to follow. Reimbursement is also very timely.

    Leroy P.

  • I have actually used my coverage in 2023 when traveling to Bangkok and was hospitalized with pneumonia. Everything was taken care of with no surprises. I won't travel internationally without IMG.

    Rod M.
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Preparing for Your Trip

How to Choose The Best Visitor Insurance Plan

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Visitor Insurance Frequently Asked Questions

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How to Choose The Best Travel Medical Insurance Plan

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Frequently Asked Questions

Check out answers to some of our commonly asked questions.

Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. For more information, view the full Visitors Protect benefits table.

Other IMG international travel medical plans may cover “Acute Onset of Pre-Existing Conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan. Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):

A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

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.

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

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.

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Your Trip

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