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The Visitors Care plan provides scheduled coverage for individuals traveling and/or temporarily residing outside their home country for a minimum of five days. The plan is renewable (without break in coverage) for 5 days up to 12 months up to a maximum total of 24 continuous months. However, any one policy period may not exceed 12 months. For each renewal, you will be charged a fee of US$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.
Traveling abroad can be an exciting experience. But what would happen if you or one of your family members became ill or injured while away from home? International travel can quickly turn frightening if you're not prepared for a medical emergency.
Most travelers assume they will be covered by their standard medical plan. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed for international travel. Without even realizing it, you may be putting your health - & that of your family - at risk.
What if you are injured or become ill during your trip? Could you get quality treatment at an unfamiliar hospital? How would you deal with the language and currency barriers? What if the treatment you need isn't available nearby? Who do you call? Imagine trying to call your insurance company at 3:00 a.m. from a foreign country during a medical emergency! Will they be there when you need them the most?
You have enough things to worry about when you're traveling. Don't let your medical coverage be one of them. International Medical Group (IMG) has developed Visitors Care Insurance plans to provide you and your family Coverage without Boundaries. Each plan offers a complete package of international benefits & 24 hour availability. Simply select the one that best fits your needs.
The Experienced Plan Administrator:
Since 1990, International Medical Group has provided a unique, full-service approach to insurance coverage. Dedicated exclusively to international insurance market, IMG provides coverage services to individuals and families in more than 150 countries. Medical treatment while traveling is often an unfortunate fact of life. Our goal is to make the medical process a smooth and efficient one. IMG's multilingual claims administrators, on-site medical staff and customer service professionals work together to ensure that you medical needs are met. We process as many as 100,000 claims each year from countries throughout the world, and can confidently handle virtually any language or currency.
To give you true Global Peace of Mind, IMG representatives are available 24 hours a day, seven days a week, 365 days a year for medical emergencies, evacuations and
precertifications. Our customer service is routinely rated among the highest in the industry. You can rest assured that IMG will be there for you, whether it be for routine treatment or during a medical emergency.
IMG gives you worldwide coverage experience, impeccable service and international expertise. Don't leave your medical care to chance. Let IMG reduce the uncertainties of international travel for you & your family.
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All the deductible and all the policy maximum plan options available
[Return to Top] Visitor Care - 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 Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans. |
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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. |
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| Return of Mortal Remains |
To US$7,500 when coordinated through IMG |
| 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 US$7,500. |
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), so long as: a. The insured person must have previously left his/her home country for some portion of the period of coverage, and b. The return to the home country must not be undertaken for the purpose of receiving treatment for an illness or injury incurred while traveling or residing outside the home country. |
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| 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.
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OPTIONAL PRE-EXISTING CONDITION RIDER: (Heart Care Plus Rider)
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| Age |
Benefit Amount |
| 0-69 |
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+.
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MEDICAL BENEFITS - usual, reasonable and customary charges, subject to deductible where applicable
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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 |
Additional US$400 per day, 8 day maximum per period of coverage |
Additional US$660 per day, 8 day maximum per period of coverage |
Additional US$850 per day, 8 day maximum per period of coverage |
| Surgical Treatment |
US$2,000 per surgical session |
US$3,300 per surgical session |
US$5,500 per surgical session |
| Consult physician |
US$350 per period of coverage |
US$450 per period of coverage |
US$500 per period of coverage |
| Pre-admission tests |
US$750 per period of coverage |
US$1,100 per period of coverage |
US$1,100 per period of coverage |
| Private duty nurse |
US$400 per period of coverage |
US$550 per period of coverage |
US$550 per period of coverage |
| Physician visits |
US$40 allowable charge per visit, 30 visits per period of coverage |
US$55 allowable charge per visit, 30 visits per period of coverage |
US$85 allowable charge per visit, 30 visits per period of coverage |
| Outpatient Treatment |
| Surgical treatment |
US$2,000 per surgical session |
US$3,300 per surgical session |
US$5,500 per surgical session |
| Diagnostic x-ray & lab |
US$650 per period of coverage, (US$325 allowable charge per procedure) |
US$800 per period of coverage, (US$400 allowable charge per procedure) |
US$950 per period of coverage, (US$475 allowable charge per procedure) |
| Hospital emergency room |
75% of URC to US$200 |
75% of URC to US$330 |
75% of URC to US$550 |
| Prescription drugs |
US$150 per period of coverage |
US$250 per period of coverage |
US$250 per period of coverage |
| Physician visits |
US$50 allowable charge per visit, 10 visits per period of coverage |
US$55 allowable charge per visit, 10 visits per period of coverage |
US$85 allowable charge per visit, 10 visits per period of coverage |
| Miscellaneous Inpatient & Outpatient Services |
| Anesthetist |
25% of surgical benefit |
25% per surgical session |
25% per surgical session |
| Assistant surgeon |
25% of surgical benefit |
25% per surgical session |
25% per surgical session |
| Other Coverages |
| Ambulance |
US$250 per period of coverage |
US$450 per period of coverage |
US$450 per period of coverage |
| Dental for accident to sound natural teeth |
US$350 per period of coverage |
US$550 per period of coverage |
US$550 per period of coverage |
| Physiotherapy |
US$25 per visit per day, 12 visits per period of coverage |
US$40 per visit per day, 12 visits per period of coverage |
US$40 per visit per day, 12 visits 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.
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. |
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[Return to Top] Visitor Care - Exclusions:
Charges for the following services, treatments and/or conditions, among others, are expressly excluded from coverage under the Visitors Care® plan:
- Pre-existing Conditions. Any Injury, Illness, sickness, disease, or
other physical or medical disorder, condition 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 Initial Period of Coverage, whether or not previously
manifested or symptomatic, diagnosed, treated, or disclosed, including any subsequent,
chronic or recurring complications or consequences related thereto or arising therefrom.
- Treatment or surgeries which are elective, investigational, experimental or for
research purposes.
- War, political insurrection, protest, or any act thereof.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly
provided for in the Policy Wording.
- 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 Person who was HIV+ at time of enrollment into this
insurance.
- Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility
or impotency, sterilization or reversal thereof, or abortion.
- Any Injury or Illness sustained while taking part in mountaineering activities where
specialized climbing equipment, ropes or guides are normally or reasonably should
have been used, Amateur Athletics or professional athletics, aviation (except when
traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting,
snow skiing except for recreational downhill and/or cross country snow skiing (no
cover provided whilst skiing in violation of applicable laws, rules or regulations;
away from prepared and marked in-bound territories; and/or against the advice of
the local ski school or local authoritative body), racing of any kind including
by horse, motor vehicle (of any type) or motorcycle, spelunking, and subaqua pursuits
involving underwater breathing apparatus.
- Vision or ear tests and the provision of visual or hearing aids.
- Vocational, recreational, speech or music therapy.
- Charges incurred for custodial care, educational or rehabilitative care, or nursing
services.
- 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.
- Treatment for, and injuries and/or illnesses resulting or arising from, substance
abuse or drug addiction.
- 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.
- Willful self-inflicted injury or illness.
- Treatment required as a result of or arising from complications from a treatment
or condition not covered under the Visitors Care plan.
- Any services or supplies performed or provided by a relative of the Insured Person
or provided at no cost to the Insured Person.
- Treatment for mental and nervous disorders.
- Organ or tissue transplants, and all related services.
- 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.
[Return to Top]
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Plan A - US$25,000 maximum benefit per life of plan
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All premium rates are in US dollars. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.
| Deductible per period of coverage |
 |
Option 1
US$0.00 |
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Option 2
US$50.00 |
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Option 3
US$100.00 |
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| AGE |
Monthly Rates |
| 2 weeks-29 |
|
$23.00 |
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$19.00 |
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$17.00 |
| 30-39 |
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$26.00 |
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$22.00 |
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$19.00 |
| 40-49 |
|
$27.00 |
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$23.00 |
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$20.00 |
| 50-59 |
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$38.00 |
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$31.00 |
|
$29.00 |
| 60-69 |
|
$47.00 |
|
$39.00 |
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$36.00 |
| 70-79 |
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N/A |
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$61.00 |
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$58.00 |
| 80+* |
|
N/A |
|
$122.00 |
|
$116.00 |
| DEP. CHILD |
|
$21.00 |
|
$17.00 |
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$16.00 |
| *$10,000 policy maximum... |
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Daily Rates |
| 2 weeks-29 |
|
$0.77 |
|
$0.64 |
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$0.57 |
| 30-39 |
|
$0.87 |
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$0.74 |
|
$0.64 |
| 40-49 |
|
$0.90 |
|
$0.77 |
|
$0.67 |
| 50-59 |
|
$1.27 |
|
$1.04 |
|
$0.97 |
| 60-69 |
|
$1.57 |
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$1.30 |
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$1.20 |
| 70-79 |
|
N/A |
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$2.04 |
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$1.94 |
| 80+* |
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N/A |
|
$4.07 |
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$3.87 |
| DEP. CHILD |
|
$0.70 |
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$0.57 |
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$0.54 |
| *$10,000 policy maximum... |
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Plan B - US$50,000 maximum benefit per life of plan
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All premium rates are in US dollars. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.
| Deductible per period of coverage |
|
Option 4
US$0.00 |
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Option 5
US$50.00 |
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Option 6
US$100.00 |
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| AGE |
Monthly Rates |
| 2 weeks-29 |
|
$34.00 |
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$29.00 |
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$26.00 |
| 30-39 |
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$40.00 |
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$34.00 |
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$31.00 |
| 40-49 |
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$41.00 |
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$35.00 |
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$32.00 |
| 50-59 |
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$57.00 |
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$49.00 |
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$44.00 |
| 60-69 |
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$71.00 |
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$59.00 |
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$55.00 |
| 70-79 |
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N/A |
|
$91.00 |
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$86.00 |
| DEP. CHILD |
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$31.00 |
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$26.00 |
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$23.00 |
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Daily Rates |
| 2 weeks-29 |
|
$1.14 |
|
$0.97 |
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$0.87 |
| 30-39 |
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$1.34 |
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$1.14 |
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$1.04 |
| 40-49 |
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$1.37 |
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$1.17 |
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$1.07 |
| 50-59 |
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$1.90 |
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$1.64 |
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$1.47 |
| 60-69 |
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$2.37 |
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$1.97 |
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$1.84 |
| 70-79 |
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N/A |
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$3.04 |
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$2.87 |
| DEP. CHILD |
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$1.04 |
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$0.87 |
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$0.77 |
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Plan C - US$100,000 maximum benefit per life of plan
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All premium rates are in US dollars. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.
| Deductible per period of coverage |
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Option 7
US$0.00 |
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Option 8
US$50.00 |
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Option 9
US$100.00 |
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| AGE |
Monthly Rates |
| 2 weeks-29 |
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$50.00 |
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$41.00 |
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$38.00 |
| 30-39 |
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$55.00 |
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$46.00 |
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$43.00 |
| 40-49 |
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$56.00 |
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$47.00 |
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$44.00 |
| 50-59 |
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$79.00 |
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$65.00 |
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$60.00 |
| 60-69 |
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$104.00 |
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$87.00 |
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$85.00 |
| 70-79 |
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N/A |
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$136.00 |
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$132.00 |
| DEP. CHILD |
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$44.00 |
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$37.00 |
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$34.00 |
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Daily Rates |
| 2 weeks-29 |
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$1.67 |
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$1.37 |
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$1.27 |
| 30-39 |
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$1.84 |
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$1.54 |
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$1.44 |
| 40-49 |
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$1.87 |
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$1.57 |
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$1.47 |
| 50-59 |
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$2.64 |
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$2.17 |
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$2.00 |
| 60-69 |
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$3.47 |
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$2.90 |
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$2.84 |
| 70-79 |
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N/A |
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$4.54 |
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$4.40 |
| DEP. CHILD |
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$1.47 |
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$1.24 |
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$1.14 |
[Return to Top] Visitor Care - 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:
- Short-term travel medical coverage
- Coverage for individuals and dependents
- Maximum Limits from $25,000, $50,000 or $100,000
- Deductible Options from $0, $50 or $100
- Coverage for Emergency Medical Evacuations
- Return of Mortal Remains
- Incidental Home Country Coverage
- Optional Pre-existing Condition Rider
- Minimum purchase of 5 days renewable up to 24 months
- Freedom to seek treatment with hospital or doctor of your choice
- 24 hour secure access from anywhere in the world to manage your account at any time
Who the plan is designed for:
- Non-U.S. Citizens visiting the U.S. or traveling worldwide outside their home country
- Parents and relatives visiting the U.S. or other international destinations
- 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.
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