Visitors Care Insurance Plan for U.S. Visitors

International travel is both invigorating and rewarding. But without proper medical coverage, overseas trips can quickly turn into a nightmare. While most travelers believe they will be covered by their domestic insurance plan, that isn’t always true. In fact, many plans do not cover medical expenses incurred overseas. And if they do, you may need to spend a good deal of time coordinating coverage from afar—time you may not have.

Medical coverage in the U.S. is expensive. By purchasing temporary fixed coverage visitor insurance through Visitor Guard, you can put yourself at ease—not at risk.

When it comes to visitor insurance, comprehensive is typically recommended for those seeking a little extra peace of mind.  However, Visitors Care provides what most limited benefit plans do not, including repatriation of remains, urgent care, acute onset of a pre-existing condition, and more. For those on a budget and in good health, Visitors Care may be a great fit.

brochure

Visitors Care is a fixed benefit plan for people traveling outside of their home country to the U.S. for at least five days. The policy offers coverage for certain medical expenses including hospitalization, surgery, physician visits, and prescriptions. Most traditional plans offer adequate domestic coverage but are not designed for international travel. Visitors Care is an affordable low-cost travel insurance policy to consider for traveling to the U.S. Visitors Care is Underwritten by Sirius International and is rated “A” excellent by AM Best. The plan is administered by International Medical Group (IMG). 

Visitors Care can be bought for a minimum of 5 days and up to 2 years. When the plan is nearing expiration, it can be renewed before the end date and extended for up to 2 years.

With Visitor Care insurance, you are free to go to any doctor, hospital or urgent care in the area. Since this is a fixed benefit policy, the policy will pay the predefined limits once you meet your deductible. Then you will pay the difference between the fixed and the actual limits. For your convenience, you can search for providers in the First Health Network.

Visitors Care offers a range of coverage maximums. Choose between $25,000, $50,000, and $100,000 for the policy max and deductible choices of $0, $50, and $100 (based on age). The policy provides coverage for acute onset of preexisting conditions for people below 70 years of age.


Visitor Care Insurance: Coverage and Benefits

Range of Coverage

The policy provides insurance for medical accidents and sickness, emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. Based on the age, the plan offers coverage options from $25,000 to $100,000 and has choices of deductibles from $0 to $100.

Instant ID Card

Your ID card and insurance documents will be emailed to you as soon as your purchase has been completed.

Pre-existing Coverage

The policy provides coverage for acute onset of preexisting conditions. Maximum limit ranging from $25,000 to $100,000 per coverage period.

Urgent Care

A maximum of 10 visits (1 a day) can be covered. Predefined limits on the amount of coverage per the chosen plan.

Repatriation

Repatriation of mortal remains up to $25,000 with $5,000 max for cremation or burial upon the death of the insured.

 

Renewable

If the plans are bought for a minimum of 5 days the plan can be renewed up to 24 months.   


Visitors Care® medical Insurance provides benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan.

US$0, US$50, or US$100 applied per period of coverage.

Plan Pays 100% of the scheduled benefit limit. The insured is responsible for charges that are not considered eligible medical expenses and exceed the maximum limits stated in the inpatient services, outpatient services, emergency services, and other services sections of this benefits summary.

Three plan options are available with different plan maximums: $25K, $50K and $100K. You may initially enroll in Visitors Care® Insurance for as little as 5 days and up to a maximum of 12 months./tab] 

Visitors Care® health insurance can be purchased for 5 days up to 12 months and can be renewed without a break in coverage up to a maximum total of 24 months.

Visitors Care® Medical Insurance is underwritten by Sirius International Insurance Corporation.l
Visitors Care® medical Insurance is administered by International Medical Group ®, Inc.

Visitors Care Insurance: Frequently Asked Questions

Do you have questions about the plan and its benefits? Refer to the section below. And feel free to reach out to a Visitor Guard team member at any time. You can call us at 804-325-1385. Or send us an email.

Visitors Care® Medical Insurance is available to non-US citizens or non-US residents who are visiting the US. The plan is not available to US Citizens, US Residents or green card holders in the US. In order to be eligible and qualified for coverage under this insurance, a person must meet all of the following requirements:

  • Not be a citizen of or have a permanent residence in the United States
  • Not be a citizen of the destination country
  • Be at least fourteen (14) days old and less than seventy-nine (79) years of age
  • Complete and sign an application as the insured person (or be listed thereon by proxy as an applicant and proposed insured person), and/or as the insured person’s spouse and/or child
  • Pay the required premium on or before the effective date of coverage
  • Receive written acceptance of his/her application, renewal or extension from the company
  • On the effective date and on subsequent renewal dates, must have legally departed the country of residence and legally entered the destination country
  • Not be hospitalized, disabled or HIV + on the initial effective date

No, a pre-existing condition is not covered under the Visitors Care policy. However, for ages under 70, acute onset of a pre-existing condition can be covered up to the chosen policy maximum as per the schedule of benefits in the brochure.

Acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition.

To be eligible for the foregoing limited coverage and benefits for an acute onset of a pre-existing condition, the insured person must be in compliance with all terms of this insurance. At the time of the acute onset of the pre-existing condition:

  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence
  • The insured person must be under 70 years of age
  • The insured person must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider
  • The insured person must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition
  • The insured person must not be traveling during a period of time when the insured person is preparing or waiting for, involved in, or undertaking a new, changed or modified treatment program with respect to the pre-existing condition, and is not traveling subsequent to any such new, changed or modified treatment program having been advised or recommended
  • The pre-existing condition must have been stabilized for at least 30 days prior to the effective date without a change in treatment

The insured person must be traveling outside their country of residence.

No, adventure sports are excluded from coverage.

You are free to go to any doctor/hospital/urgent care in the area. Being a scheduled/fixed benefit policy, once you meet your deductible the policy will pay the predefined limits and you will pay the difference between the scheduled and the actual limits. For your convenience, you can search for providers in the First Health PPO Network, an organized network of 500,000 physicians.

The application will need the following information of the visitor: name, date of birth, residence address and email address to send the insurance documents.  If you have a passport number, you can enter it. A valid credit card will be required to complete the purchase.

An email will be sent to the address provided on the application, which will include links to download the ID card, Visa Letter, and Certificate wording..

As long as your initial purchase was a minimum of 5 days, you can renew the policy. Visitors Care plan can be purchased for up to a 12-month period. They can be extended up to 24 continuous months. Renewals are available in daily increments and may be completed online. For each renewal, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12-month coverage period.

The insured person shall have 3 days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other terms of the master policy as evidenced and outlined by this certificate. If not completely satisfied, the insured person may request cancellation of this insurance retroactive to the initial effective date of coverage by sending a written request to the company by email, mail or fax and received by the company within the review period, thereby qualifying to receive a full refund of premium paid. Upon effectuation of such cancellation and refund, neither the company nor the insured person shall have any further rights, liabilities or obligations under this insurance. After the review period, the following conditions apply if the insured person wishes to cancel this insurance:

(a) If any claims have been filed with the company, the premium is fully earned and is non-refundable.

(b) If no claims have been filed with the company:

            (i) a cancellation fee of twenty-five dollars ($25.00 USD) will be charged; and

            (ii) Premium refunds will be pro-rated.

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing

  1. Download and complete the Claims Form- https://www.imglobal.com/docs/library/forms-library/claim-form.pdf
  2. Attach copies of all the pages of the passport
  3. Attach all the documents required as proof of claim
  4. Submit the above within the stipulated time of 90 days after seeing the provider
  5. Follow up on your Claim by calling +1.800.628.4664 or outside U.S. +1.317.655.4500 or emailing customercare@imglobal.com

Claims filing address and email:
The completed claim form along with documents of proof of claim be sent to the address below. The form must be signed and dated, and submitted for consideration to:

Claims Address:International Medical Group
Claims Department
PO Box 9162
Farmington Hills, MI 48333

Call for claims & benefit questions: +1.800.628.4664 or outside U.S. +1.317.655.4500
Fax: +1.317.655.4505
Email: customercare@imglobal.com