WELCOME TO VISITORS CARE® Visitors InsuranceTM Expert Since 1980

  • Non-US Citizens traveling to USA
  • Plan Options: (A) $25,000, (B) $50,000
    & (C) $100,000
  • Deductible Options: $0, $50, & $100
  • Pre-Existing Conditions rider available
  • Visitors Care plan is renewable
  • Emergency Evacuation & Repatriation
  • Any Doctor & Any Hospital benefits
  • No Age Limit & No Medical Exam
  • Get ID CARDS by applying ONLINE!
  • Coverage after departing home country

Visitors Care® InsuranceTM - is a Low-Cost Visitors Insurance Coverage with Limited Scheduled of Benefits, it has life time benefit limits for non-US citizens traveling outside their home country. Visitors Care® coverage offers benefit maximums of $25,000, $50,000 or $100,000 for the life of the plan with deductible options such as $0, $50 or $100.Visitors Care coverage has 100% coverage amount as per Scheduled of Benefits. The Visitors Care insurance plan will be covered in USA/Worldwide, as long as they are outside their country of citizenship. The Visitors Care Insurance plans is administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corp is rated A (excellent) by A.M. Best.

Each year, the United States hosts millions of foreign visitors from all over the world. While the United States healthcare system is recognized as one of the best in the world, many visitors are concerned about the potential out-of-pocket expenses that could result from an injury or sickness during their visit to the U.S.A. Healthcare costs are different in the United States than any other country around the world.

Rates

Plan A - $25,000 max benefit


Deductible		 Option 1
$0.00		 Option 2
$50.00		 Option 3
$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 max
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 max

Plan B - $50,000 max benefit


Deductible		 Option 4
$0.00		 Option 5
$50.00		 Option 6
$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 - $100,000 max benefit

Option 5 - US$25,000 Policy Limit


Deductible		 Option 7
$0.00		 Option 8
$50.00		 Option 9
$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

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.

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.
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
Medical Benefits 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 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
Consult physician 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
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 Services
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
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
Physiotherapy Up to $25 per visit per day, 12 visits per period of coverage Up to $40 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
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), 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.
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.

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.

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.

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.

Heart Care Plus Rider 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.
OPTIONAL PRE-EXISTING CONDITION RIDER: (Heart Care Plus Rider Benefits)
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+.