Visitors Insurance Quote

Visitors Care

Visitors Care® Insurance - is a Low-Cost Insurance with Limited scheduled of benefits, which has life time benefit limits for non-US citizens traveling outside their home country. Visitors Care® offers benefit maximums of $25,000, $50,000 or $100,000 for the life of the plan with various deductible options such as $0, $50 or $100. Visitors Coverage is 100% of the covered 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 overseas travel health insurance plans are administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation.

The plan is renewable (without break in coverage) for 5 days up to 12 months and up to a maximum total of 24 continuous months. For each renewal, you will be charged a fee of $5 in addition to the premium costs. After 24 months of continuous coverage, the Visitors Care® plan can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply and a new application must also be completed.

Low Cost Schedule Benefits

Non-US citizens or new immigrants visiting USA
Low Cost & Schedule of Benefits Plan
Deductible Options $0, $50, $100
Benefits starting from $25,000 up to $100,000 policy maximum

Available for all ages
Any doctor, any hospital
Apply online & Get instant ID cards

Brochure, Application Get Quote & Apply Online

OPTIONAL PRE-EXISTING CONDITION RIDER	Heart Care Plus Rider
Age	Benefit Amount
10-69	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+.

Rates

PLAN A - US$25,000 maximum benefit per life of plan

Deductible per period of coverage	Option1 US$0.00	Option 2 US$50.00	Option 3 US$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 maximum...

Deductible per period of coverage	Option1 US$0.00	Option 2 US$50.00	Option 3 US$100.00
AGE	Monthly 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 maximum...

Plan B - US$50,000 maximum benefit per life of plan

Deductible per period of coverage	Option 4 US$0.00	Option 5 US$50.00	Option 6 US$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
80+*	N/A	N/A	N/A
DEP. CHILD	$31.00	$26.00	$23.00
*$10,000 policy maximum...

Deductible per period of coverage	Option 4 US$0.00	Option 5 US$50.00	Option 6 US$100.00
AGE	Monthly 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
80+*	N/A	N/A	N/A
DEP. CHILD	$1.04	$0.87	$0.77
*$10,000 policy maximum...

Plan C - US$100,000 maximum benefit per life of plan

Deductible per period of coverage	Option 7 US$0.00	Option 8 US$50.00	Option 9 US$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

Deductible per period of coverage	Option 7 US$0.00	Option 8 US$50.00	Option 9 US$100.00
AGE	Monthly 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

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 Scheduled of Benefits. below, with no coinsurance. The four benefits below apply to all three plans.

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, (US$400 allowable charge per procedure)	Up to $950 per period of coverage, (US$475 allowable charge 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 $1375 per surgical session
Assistant surgeon	Up to $450 per surgical session	Up to $825 per surgical session	Up to $1375 per surgical session
Other Coverages
Local 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
Physio therapy	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	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
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.

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 or Cremation/Burial	Up to $7,500 for Return of Mortal Remains or $5,000 for 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.
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.
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.
Renewal Of Coverage
If your Visitors Care plan is purchased for a minimum of five 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. 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. 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).

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.

General Exclusions
Charges for certain services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans and include but are not limited to:
1. A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder 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 insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person's date of arrival in the Host Country.
4. Immunizations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the Certificate of Insurance.
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 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 illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or governing body), or the International Olympic Committee. The following Adventure Sports are also excluded: abseiling, BMX, bobsled ding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a noncommercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing.
  
  Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or any other adventure sports activity.
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. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.
21. 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.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Please note that it is solely your responsibility to determine if PPACA is applicable to you.
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:
1. Short-term travel medical coverage
2. Coverage for individuals and dependents
3. Maximum Limits from $25,000, $50,000 or $100,000
4. Deductible Options from $0, $50 or $100
5. Coverage for Emergency Medical Evacuations
6. Return of Mortal Remains
7. Incidental Home Country Coverage
8. Optional Pre-existing Condition Rider
9. Minimum purchase of 5 days renewable up to 24 months
10. Freedom to seek treatment with hospital or doctor of your choice
11. 24 hour secure access from anywhere in the world to manage your account at any time
Who the plan is designed for:
1. Non-U.S. Citizens visiting the U.S. or traveling worldwide outside their home country
2. Parents and relatives visiting the U.S. or other international destinations
3. 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.

At IMG, we know that the reasons to travel abroad are many and varied - that's why our services are designed to provide you with the assistance you need no matter where you are. Our goal is to provide you with Coverage Without Boundaries. By providing global products and services to vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence, IMG is the single resource for all your international travel medical insurance needs.

Our service and support sets us apart. Since 1990, we've served more than a million people around the globe - always focused on the specific needs of each individual. We've set the benchmark for industry service levels by integrating independent credentialing services with in-house, fully owned and operated service divisions. At IMG, we're there with you, wherever you go - bringing support for all your insurance needs around the globe - providing you Global Peace of Mind^®.