IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years, so you can spend more time enjoying your international experience not worrying about your medical coverage.This plan can be available from 90 days to 12 months.
Pre-existing conditions
Comprehensive plan
Care Clix consultation benefit
PPO network
Offers coverage 90 days to 12 months
Visiting to the U.S., Canada, and Mexico
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Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions..
Purchase must be done before departing the country of residence if your destination is the U.S.
Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.
Travelers can review this article on how to use Visitors Protect insurance in case of emergency in USA.
Visitors Protect is a comprehensive benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
Visitors Protect offers COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
Here are some travel insurance tips for travelers with pre-existing conditions:
Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.
Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.
Review and compare the best Visitors Protect medical insurance quotes.
Compare Visitors Protect insurance quotesBenefits |
In-Network |
Out-Network |
| COVID-19/SARS-CoV-2 Coverage | ||
| Visitors Protect insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. | ||
| Eligible medical expenses | 75% up to policy maximum | 60% up to policy maximum |
| Hospital room and board | Average semi-private room rate, including nursing services | Average semi-private room rate, including nursing services |
| Surgery | 75% up to policy maximum | 60% up to policy maximum |
| Intensive care unit | 75% up to policy maximum | 60% up to policy maximum |
| Hospital Ancillary Servicest | 75% up to policy maximum | 60% up to policy maximum |
| Radiology/X-ray | 75% up to policy maximum | 60% up to policy maximum |
| Laboratory | 75% up to policy maximum | 60% up to policy maximum |
| Pre-Admission Testing | 75% up to policy maximum | 60% up to policy maximum |
| Reconstructive Surgery | 75% up to policy maximum | 60% up to policy maximum |
Benefits |
In-Network |
Out-Network |
| Pre-Certification | ||
| 50% reduction of eligible medical expenses if pre-certification provisions are not met | ||
| Physician visits | 75% up to policy maximum | 60% up to policy maximum |
| Assistant Surgeon | 75% up to policy maximum | 60% up to policy maximum |
| Urgent Care Clinic | $25 copay, 100% up to Policy Maximum | $50 copay, 100% up to Policy Maximum |
| Walk-In Clinic | $15 copay, 100% up to Policy Maximum | $25 copay, 100% up to Policy Maximum |
| Physical Therapy | 75% up to policy maximum | 60% up to policy maximum |
| Prescription Drugs and Medications | 75% up to policy maximum | 60% up to policy maximum |
| Assistant Surgeon | 75% up to policy maximum | 60% up to policy maximum |
| Chiropractic Care | 75% up to policy maximum | 60% up to policy maximum |
| Durable Medical Equipment | 75% up to policy maximum | 60% up to policy maximum |
| Extended Care Facility | 75% up to policy maximum | 60% up to policy maximum |
| Home Nursing Care | 75% up to policy maximum | 60% up to policy maximum |
| Anesthesia | 75% up to policy maximum | 60% up to policy maximum |
| Reconstructive Surgery | 75% up to policy maximum | 60% up to policy maximum |
| Outpatient Surgical/Hospital Facility | 75% up to policy maximum | 60% up to policy maximum |
Benefits |
In-Network |
Out-Network |
| Emergency local ambulance | 75% up to policy maximum | 60% up to policy maximum |
| Hospital emergency room | 75% up to policy maximum | 60% up to policy maximum |
| Interfacility ambulance transfer | Company pays 100% |
Benefits |
In-Network |
Out-Network |
| Emergency dental treatment | Up to $300(Unexpected pain or treatment due to an accident) | |
| Traumatic Dental Injury | 75% up to policy maximum | 60% up to policy maximum |
Benefits |
In-Network |
Out-Network |
| Emergency medical evacuation | 75% up to policy maximum | 60% up to policy maximum |
| Hospital emergency room | Up to $25,000 maximum limit | |
| Emergency reunion | $100,000 maximum limit. Not subject to deductible | |
| Return of Minor Children | $100,000 maximum limit. Not subject to deductible | |
| Return of mortal remains or cremation/burial | $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial |
Benefits |
In-Network |
Out-Network |
| Pre-Existing Condition | Maximum limit through age 69: $25,000 | Maximum limit ages 70 and older: $20,000 |
| Accidental death & dismemberment | $25,000 principal sum, Not subject to deductible |
Visitors Protect - Provider network and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
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