IMG Travel Insurance Plans For Expats & Global Travellers

Name: IMG Visitors Care Travel Medical Insurance
Author: IMG

Visitors Care - temporary health insurance for non-US nationals

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.

Plan Options

3 Plan Versions

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 Plans For Expats & Global Travellers

Download the Visitor Care Travel Insurance Brochure

Visitors Care - temporary health insurance for non-US nationals

Suitable For

Highlights

Plan Options