Visitors Care

 
  • Low cost Visitors insurance that offers excellent value for money.
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  • No medical exam required for visitors insurance enrollment.
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  • Cancelable & Refundable.
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  • Get instant ID card by applying online.
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  • Renewable Online.
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  • NO PPO Network. Can go to Any doctor.


    • Visitors Care - Visitors Care is a scheduled benefits program with life time limits for non-US citizens traveling outside their home country. Travel medical insurance plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan with various deductible options like US$0, US$50 or US$100. It pays 100% of the covered amount. This visitors insurance plan will be covered in the USA and as well as worldwide, as long as they are outside their country of citizenship. The overseas travel health insurance plans are administered by International Medical Group, Inc (IMG) and underwritten by Sirius International insurance Corporation.


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    Visitor Care - Benefits:
    The plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$0, US$50, or US$100 applied per period of coverage. When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.
     
    INTERNATIONAL EMERGENCY CARE
    Emergency Evacuation Plan A: Up to $25,000 and Plan B & C: Up to $50,000 when coordinated through IMG
    (not to exceed plan maximum)
    The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable travel and accommodations resulting from the evacuation, which must be approved and coordinated in advance.
     
    Return of Mortal Remains To US$7,500 when coordinated through IMG
    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 US$7,500.

    SPECIAL COVERAGE
    Home Country Coverage As described below
    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), so long as: a. The insured person must have previously left his/her home country for some portion of the period of coverage, and b. The return to the home country must not be undertaken for the purpose of receiving treatment for an illness or injury incurred while traveling or residing outside the home country.
     
    Common Carrier Accidental Death US$25,000 to Beneficiary

    If accidental death should occur while traveling on a commercial common carrier during the period of coverage, US$25,000 will be paid to the designated beneficiary.

    OPTIONAL PRE-EXISTING CONDITION RIDER: (Heart Care Plus Rider)
    Age Benefit Amount
    0-69 Up to $5,000
    70+ Up to $2,500

    In the event an insured person experiences a Stroke or Myocardial Infarction (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 for ages 0 - 69 and up to $2,500 for ages 70+.
    MEDICAL BENEFITS - usual, reasonable and customary charges, subject to deductible where applicable

      Plan A - US$25,000 maximum benefit per life of plan Plan B - US$50,000 maximum benefit per life of plan Plan C - US$100,000 maximum benefit per life of plan
    Inpatient Treatment
    Hospital room & board Up to US$825 per day, 30 day maximum per period of coverage Up to US$1,400 per day, 30 day maximum per period of coverage Up to US$1,950 per day, 30 day maximum per period of coverage
    Intensive Care Additional US$400 per day, 8 day maximum per period of coverage Additional US$660 per day, 8 day maximum per period of coverage Additional US$850 per day, 8 day maximum per period of coverage
    Surgical Treatment US$2,000 per surgical session US$3,300 per surgical session US$5,500 per surgical session
    Consult physician US$350 per period of coverage US$450 per period of coverage US$500 per period of coverage
    Pre-admission tests US$750 per period of coverage US$1,100 per period of coverage US$1,100 per period of coverage
    Private duty nurse US$400 per period of coverage US$550 per period of coverage US$550 per period of coverage
    Physician visits US$40 allowable charge per visit, 30 visits per period of coverage US$55 allowable charge per visit, 30 visits per period of coverage US$85 allowable charge per visit, 30 visits per period of coverage
    Outpatient Treatment
    Surgical treatment US$2,000 per surgical session US$3,300 per surgical session US$5,500 per surgical session
    Diagnostic x-ray & lab US$650 per period of coverage, (US$325 allowable charge per procedure) US$800 per period of coverage, (US$400 allowable charge per procedure) US$950 per period of coverage, (US$475 allowable charge per procedure)
    Hospital emergency room 75% of URC to US$200 75% of URC to US$330 75% of URC to US$550
    Prescription drugs US$150 per period of coverage US$250 per period of coverage US$250 per period of coverage
    Physician visits US$50 allowable charge per visit, 10 visits per period of coverage US$55 allowable charge per visit, 10 visits per period of coverage US$85 allowable charge per visit, 10 visits per period of coverage
    Miscellaneous Inpatient & Outpatient Services
    Anesthetist 25% of surgical benefit 25% per surgical session 25% per surgical session
    Assistant surgeon 25% of surgical benefit 25% per surgical session 25% per surgical session
    Other Coverages
    Ambulance US$250 per period of coverage US$450 per period of coverage US$450 per period of coverage
    Dental for accident to sound natural teeth US$350 per period of coverage US$550 per period of coverage US$550 per period of coverage
    Physiotherapy US$25 per visit per day, 12 visits per period of coverage US$40 per visit per day, 12 visits per period of coverage US$40 per visit per day, 12 visits per period of coverage


    The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin.

    PLEASE NOTE: This web page contains only a consolidated and summary description of all current Visitors Care® benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages and benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care® plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.
     

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    Visitor Care - Exclusions:

    Charges for the following services, treatments and/or conditions, among others, are expressly excluded from coverage under the Visitors Care® plan:

    1. Pre-existing Conditions. Any Injury, Illness, sickness, disease, or other physical or medical disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three years prior to the Effective Date of the Initial Period of Coverage, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
    2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
    3. War, political insurrection, protest, or any act thereof.
    4. Immunizations and routine physical exams.
    5. Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly provided for in the Policy Wording.
    6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured Person who was HIV+ at time of enrollment into this insurance.
    7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
    8. Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guides are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation (except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreational downhill and/or cross country snow skiing (no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked in-bound territories; and/or against the advice of the local ski school or local authoritative body), racing of any kind including by horse, motor vehicle (of any type) or motorcycle, spelunking, and subaqua pursuits involving underwater breathing apparatus.
    9. Vision or ear tests and the provision of visual or hearing aids.
    10. Vocational, recreational, speech or music therapy.
    11. Charges incurred for custodial care, educational or rehabilitative care, or nursing services.
    12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the Insured Person, including without limitation, engaging in an illegal occupation or act, but excluding minor traffic violations.
    13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
    14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating of any type of vehicle after consuming any alcohol or drugs.
    15. Willful self-inflicted injury or illness.
    16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the Visitors Care plan.
    17. Any services or supplies performed or provided by a relative of the Insured Person or provided at no cost to the Insured Person.
    18. Treatment for mental and nervous disorders.
    19. Organ or tissue transplants, and all related services.
    20. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

     

    PLEASE NOTE: This brochure contains only a consolidated and summary description of all current Visitors Care® benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverage or benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care® plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.


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    Rates: Visitors Care®  

    Plan A - US$25,000 maximum benefit per life of plan

    All premium rates are in US dollars.  Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

    Deductible per period of coverage Option 1
    US$0.00    		 Option 2
    US$50.00    		 Option 3
    US$100.00
     
    AGE Monthly Rates
    2 weeks-29 $23.00 $19.00 $17.00
    30-39 $26.00 $22.00 $19.00
    40-49 $27.00 $23.00 $20.00
    50-59 $38.00 $31.00 $29.00
    60-69 $47.00 $39.00 $36.00
    70-79 N/A $61.00 $58.00
    80+* N/A $122.00 $116.00
    DEP. CHILD $21.00 $17.00 $16.00
    *$10,000 policy maximum... 
      Daily Rates
    2 weeks-29 $0.77 $0.64 $0.57
    30-39 $0.87 $0.74 $0.64
    40-49 $0.90 $0.77 $0.67
    50-59 $1.27 $1.04 $0.97
    60-69 $1.57 $1.30 $1.20
    70-79 N/A $2.04 $1.94
    80+* N/A $4.07 $3.87
    DEP. CHILD $0.70 $0.57 $0.54
    *$10,000 policy maximum... 
     

    Plan B - US$50,000 maximum benefit per life of plan

    All premium rates are in US dollars.  Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

    Deductible per period of coverage Option 4
    US$0.00    		 Option 5
    US$50.00    		 Option 6
    US$100.00
     
    AGE Monthly Rates
    2 weeks-29 $34.00 $29.00 $26.00
    30-39 $40.00 $34.00 $31.00
    40-49 $41.00 $35.00 $32.00
    50-59 $57.00 $49.00 $44.00
    60-69 $71.00 $59.00 $55.00
    70-79 N/A $91.00 $86.00
    DEP. CHILD $31.00 $26.00 $23.00
     
      Daily Rates
    2 weeks-29 $1.14 $0.97 $0.87
    30-39 $1.34 $1.14 $1.04
    40-49 $1.37 $1.17 $1.07
    50-59 $1.90 $1.64 $1.47
    60-69 $2.37 $1.97 $1.84
    70-79 N/A $3.04 $2.87
    DEP. CHILD $1.04 $0.87 $0.77
     

    Plan C - US$100,000 maximum benefit per life of plan

    All premium rates are in US dollars.  Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

    Deductible per period of coverage Option 7
    US$0.00    		 Option 8
    US$50.00    		 Option 9
    US$100.00
     
    AGE Monthly Rates
    2 weeks-29 $50.00 $41.00 $38.00
    30-39 $55.00 $46.00 $43.00
    40-49 $56.00 $47.00 $44.00
    50-59 $79.00 $65.00 $60.00
    60-69 $104.00 $87.00 $85.00
    70-79 N/A $136.00 $132.00
    DEP. CHILD $44.00 $37.00 $34.00
     
      Daily Rates
    2 weeks-29 $1.67 $1.37 $1.27
    30-39 $1.84 $1.54 $1.44
    40-49 $1.87 $1.57 $1.47
    50-59 $2.64 $2.17 $2.00
    60-69 $3.47 $2.90 $2.84
    70-79 N/A $4.54 $4.40
    DEP. CHILD $1.47 $1.24 $1.14

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    Visitor Care - Overview:
    Short-term travel medical insurance for non-U.S. citizens

    Low-cost, scheduled benefits plan that addresses the insurance needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

    Highlights:
    • Short-term travel medical coverage
    • Coverage for individuals and dependents
    • Maximum Limits from $25,000, $50,000 or $100,000
    • Deductible Options from $0, $50 or $100
    • Coverage for Emergency Medical Evacuations
    • Return of Mortal Remains
    • Incidental Home Country Coverage
    • Optional Pre-existing Condition Rider
    • Minimum purchase of 5 days renewable up to 24 months
    • Freedom to seek treatment with hospital or doctor of your choice
    • 24 hour secure access from anywhere in the world to manage your account at any time
    Who the plan is designed for:
    • Non-U.S. Citizens visiting the U.S. or traveling worldwide outside their home country
    • Parents and relatives visiting the U.S. or other international destinations
    • Recently arrived immigrants

    You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. International Medical Group® (IMG®) has developed Visitors Care® to provide you and your family Coverage Without Boundaries® so you can spend more time enjoying your international experience, and less time worrying about your medical security.

    Visitors Care® offers a broad package of scheduled benefits for individuals traveling and/or temporarily residing outside their home country for a minimum of five days. There are nine separate options based on deductible levels and maximum limits. Simply select the option that best fits your needs.

    Additionally, the Visitors Care® plan offers excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also may seek treatment with the hospital or doctor of your choice - you are not required to use a preferred provider network. However, if you need assistance, you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization to assist you in locating providers.