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IMG Travel Insurance Plans For Expats & Global Travellers

Choose Your Travel Insurance Plan …

Visitors Care - temporary fixed coverage health insurance for non US citizens

International travel can quickly turn into a frightening situation if you're not prepared for a medical emergency. Without even realizing it, you may be putting your health and wealth at risk.

Don't let your medical coverage be an uncertainty. Travel with a Visitors Care® plan so you can spend more time enjoying your international experience and less time worrying about medical coverage.

Visitors Care offers a broad package of scheduled benefits for individuals traveling and / or temporarily residing outside of 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.

Click for features & benefits
- Plan Information
  
  Maximum Limits
  
  Plan A
  
  $250,000 maximum benefit per life of plan
  
  Plan B
  
  $50,000 maximum benefit per life of plan
  
  Plan C
  
  $100,000 maximum benefit per life of plan
- Inpatient Treament
  
  Hospital Room & Board
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $825 per day, 30 day maximum per period of coverage
  
  Up to $1400 per day, 30 day maximum per period of coverage
  
  Up to $1950 per day, 30 day maximum per period of coverage
  
  Intensive care
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $400 per day, 8 day maximum per period of coverage
  
  Up to $660 per day, 8 day maximum per period of coverage
  
  Up to $850 per day, 8 day maximum per period of coverage
  
  Surgical treatment
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $2,000 per surgical session
  
  Up to $3,300 per surgical session
  
  Up to $5,500 per surgical session
  
  Physician consult
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $350 per period of coverage
  
  Up to $450 per period of coverage
  
  Up to $500 per period of coverage
  
  Pre-admission tests
  
  Plan A
  
  Plan B
  
  Plan C
  
  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
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $400 per period of coverage
  
  Up to $550 per period of coverage
  
  Up to $550 per period of coverage
  
  Physician visits
  
  Plan A
  
  Plan B
  
  Plan C
  
  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
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $2,000 per surgical session
  
  Up to $3,300 per surgical session
  
  Up to $5,500 per surgical session
  
  Surgical facility fee
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $750 per surgical session
  
  Up to $1,100 per surgical session
  
  Up to $1,100 per surgical session
  
  Diagnostic x-ray & lab
  
  Plan A
  
  Plan B
  
  Plan C
  
  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
  
  Plan A
  
  Plan B
  
  Plan C
  
  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
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $150 per period of coverage
  
  Up to $250 per period of coverage
  
  Up to $250 per period of coverage
  
  Physician visits
  
  Plan A
  
  Plan B
  
  Plan C
  
  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 Treatment
  
  Anesthetist
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $450 per surgical session
  
  Up to $825 per surgical session
  
  Up to $1375 per surgical session
  
  Anesthetist surgeon
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $450 per surgical session
  
  Up to $825 per surgical session
  
  Up to $1375 per surgical session
- Other Coverages
  
  Local ambulance
  
  Plan A
  
  Plan B
  
  Plan C
  
  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
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $350 per period of coverage
  
  Up to $550 per period of coverage
  
  Up to $550 per period of coverage
  
  Physical therapy
  
  Plan A
  
  Plan B
  
  Plan C
  
  Up to $25 per visit per day, 12 visits per period of coverage
  
  Up to $40 per visit per day, 12 visits per period of coverage
  
  Up to $40 per visit per day, 12 visits per period of coverage
  
  Extended care facility
  
  Plan A
  
  Plan B
  
  Plan C
  
  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

Coverage information

Heart Care Plus Rider

In the event an insured person experiences a Stroke or Myocardial Infarcation (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 per period of coverage for ages 0 - 69 and up to $2,500 per period of coverage for ages 70+.

Return of Mortal Remains or Cremation / Burial

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 $7,500; or up to $5,000 for the preparation, local burial, or cremation of your mortal remains at the place of death. these must be approved and coordinated in advance through IMG.

Renewal of Coverage

If your plan is purchased for a minimum of 5 days, coverage may be renewed (unless there is a break in coverage) for a total of up to two years.

Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online.

For each renewal of less than one month completed online, 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. Please note: Renewal rates may differ from initial rates.

Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA)

Quality Guarantee

Your satisfaction is very important to IMG. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium.

You may cancel your plan after your effective date if you do not have any claims filed with IMG, however, the following conditions will apply:

1) you will be required to pay a $50 cancellation fee and
2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund).

If you have filed claims, your premium is nonrefundable.

Emergency Evacuation

The plan includes coverage for emergency medical evacuations to the nearest qualified medical facility in life-threatening situations, expenses for reasonable transportation resulting from the evacuation, and the cost of returning to either the home country or the country where the evacuation occurred.

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

These must be approved and coordinated in advance through IMG.

Plan A

Up to $25,000

Plan B & C

Up to $50,000

Conditions of Coverage

Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.
Coverage under this plan is secondary to any other coverage.
Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
Charges must be administered or ordered by a physician.
Charges must be incurred during the Period of Coverage or the Benefit Period.
Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Eligibility

The following conditions apply to all persons applying for and/or enrolling in this plan.

This is travel insurance for non-U.S. citizens traveling outside their home country.
For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application Form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.

IMG Travel Insurance - Help & Assistance

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