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Expat Financial Planning

Providing Client Clarity Since 1985

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Expat Financial Planning

Providing Client Clarity Since 1985

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    IMG Travel Insurance For Expats & Global Travellers

    img-visitors-care-travel-insurance
    millenial-travellers

    A comprehensive suite of travel insurance product options

    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.

    img-visitors-care-travel-insurance-brochure

    Highlights

    Travel medical insurance for non-US citizens

    Renewable up to 24 months

    Deductible options from $0 to $100

    Maximum limits from $25,000 to $100,,000

    Limited coverage for medical expense

    Suitable for

    Vacations / Holidays

    Visitors / Immigrants

    Employers / Business Travellers

    • 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

    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

    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.

    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.

    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.

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

    I took comfort in the fact that IMG had my back.

    Mark describes in chilling detail his encounter that could have ended far worse

    img-client-testimonial

    Duration 3 mins

    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.

    Highlights

    Travel medical insurance for non-US citizens

    Renewable up to 24 months

    Deductible options from $0 to $100

    Maximum limits from $25,000 to $100,,000

    Limited coverage for medical expense

    Suitable for

    Vacations / Holidays

    Visitors / Immigrants

    Employers / Business Travellers

    • 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

    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

    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.

    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.

    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.

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

    I took comfort in the fact that IMG had my back.

    Mark describes in chilling detail his encounter that could have ended far worse

    img-client-testimonial

    Duration 3 mins

    img-visitors-care-travel-insurance-brochure

    IMG Travel Insurance - Help & Assistance

    img-travel-insurance-service-support

    If you need any help or assistance or simply have a question about IMG Travel or full expat medical insurance we are here to provide that support - simply use the button below and we will quickly respond to your query.