Visitors Care is a travel medical insurance plan designed for non-U.S. citizens traveling to the United States. It offers coverage for medical expenses, emergency medical evacuation, and other essential benefits during your stay in the U.S. This plan is ideal for tourists, business travelers, and those visiting family or friends in the U.S.
Visitors Care
Visitors Care
Visitors Care is a fixed coverage plan for non-U.S. residents traveling outside their home country to the U.S. for a minimum of 5 days. It is a scheduled benefit plan that pays a fixed amount for each and every procedure. The plan is suitable for travelers seeking basic coverage benefits at an affordable price The plan offers maximums limits ranging from $25,000 to $100,000 and various deductibles options ranging from $0 to $100. The coverage duration ranges from 5 days to 12 continuous months , The minimum age for coverage is 14 days old and up to, less than 79 years of age. The plan pays 100% of the scheduled benefit limit. It offers coverage for acute onset of pre-existing conditions for individuals below 70 years of age. Additionally it includes benefits such as Intensive care, pre-admission testing, urgent care clinic and walk in clinic, prescriptions, Dental accident, incidental trip, and other benefits.Visitors Care uses the First Health PPO network, a widely recognised PPO network all over the U.S., Covid-19 covered like any other illness or injury. Visitors Care is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- "Excellent" by A.M. Best.
Key Highlights
- Coverage for Acute Onset of Pre-Existing Conditions
- Maximum Limits from $25,000 to $100,000
- Deductible options from $0 to $100
- Emergency Medical Evacuation Up to $50,000
- Return of Mortal Remains Up to $25,000
- Common Carrier Accidental Death Up to $25,000
- Local Burial / Cremation Up to $5,000
- Terrorism Coverage Up to $50,000
- COVID-19 coverage included
- Urgent Care Coverage Included
Note:
Please review Visitors Care policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Limited Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | Up to $70 per visit. 10 visits max. |
| Urgent Care | Up to $70 per visit. 10 visits max. |
| Surgical Treatment | Up to $3,300 |
| Prescription Drugs / Medicines | Up to $150 |
| Lab & X-rays | Up to $450 |
| Physical Therapy | Plan pays as follows: Plan A ($25,000 limit): $40 per visit per day, 12 visits per period of coverage Plan B ($50,000 limit): $40 per visit per day, 12 visits per period of coverage Plan C ($100,000 limit): $40 per visit per day, 12 visits per period of coverage |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | Up to $1,450, 30 days maximum |
| Surgical Treatment | Up to $3,300 |
| Hospital Intensive Care Unit | Plan pays as follows: Plan A ($25,000 limit): $400 per day, 8 day max per period of coverage Plan B ($50,000 limit): $660 per day, 8 day max per period of coverage Plan C ($100,000 limit): $850 per day, 8 day max per period of coverage |
| Dr. / Physician Visit | Up to $60 per visit. 30 visits max. |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | Up to $450 |
| Emergency Room | Up to $375 |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Not covered |
| Accidental emergency | Plan pays as follows: Plan A ($25,000 limit): $350 per period of coverage Plan B ($50,000 limit): $550 per period of coverage Plan C ($100,000 limit): $550 per period of coverage |
| Dental Emergency | Up to $550 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $50,000 |
| Return of mortal remains | $25,000 maximum with $5,000 for local cremation/burial. |
| Emergency Reunion | Not covered |
| Return of minor child(ren) | Not covered |
| Trip Interruption | No Coverage |
| Loss of checked baggage | Not covered |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | Up to $25,000 |
| Trip Delay | No coverage |
| Lost Luggage | No coverage |
| Terrorism | Up to $50,000 |
| Personal Liability | No coverage |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | Not covered |
| Common Carrier Accidental Death | Plan pays as follows: $25,000 to Beneficiary |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact Number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| Pre-Existing Conditions | Plan pays as follows for acute onset of a pre-existing condition: Plan A ($25,000 limit): $25,000 Plan B ($50,000 limit): $50,000 Plan C ($100,000 limit): $100,000 |
| Maternity | Not covered |
| General Physical full Checkup | Not covered |
| Terrorism Coverage | Not covered |
| Brochure | Visitors Care Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network Limited travel medical plans pay a pre-defined fixed limit per treatment & services Out-Network Limited travel medical plans pay a pre-defined fixed limit per treatment & services |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | Up to $50,000 |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | Not Available |
| COVID-19 Quarantine Coverage | No Coverage |
Visitors Care FAQS
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What is Visitors Care insurance?
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Who is eligible for Visitors Care insurance?
Visitors Care is available to non-U.S. citizens visiting the U.S. for tourism, business, or medical purposes. The plan is available for individuals aged 14 days to 89 years. It is not available to U.S. citizens or residents who have lived in the U.S. for more than 6 months during the past year.
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What are the coverage limits for Visitors Care insurance?
Visitors Care offers three plan levels with varying coverage limits:
Lite: Up to $25,000 per injury or illnessPlus: Up to $50,000 per injury or illness
Platinum: Up to $100,000 per injury or illness
Deductible options include $0, $50, or $100 per policy period, with fixed benefits paid according to the plan selected.
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Does Visitors Care cover COVID-19?
Yes, Visitors Care covers COVID-19 as any other illness, provided the illness occurs after the policy’s effective date. COVID-19 coverage includes emergency medical treatment and hospitalization.
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Does the plan cover pre-existing conditions?
The plan provides coverage for the acute onset of pre-existing conditions up to $25,000 for travelers under 70 years of age. For travelers aged 70 and above, coverage for pre-existing conditions is not available.
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What additional benefits does Visitors Care provide?
In addition to medical expenses, Visitors Care includes:
Emergency medical evacuation up to $50,000 (depending on plan)Repatriation of remains up to $25,000
Incidental Trip up to 14 days
Common Carrier Accidental death benefits up to $25,000
Terrorism coverage up to $50,000
Dental Accident up to $550
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How long can I purchase Visitors Care coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 364 days. The plan is renewable, allowing travelers to extend coverage if needed, up to the maximum duration.
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How do I file a claim with Visitors Care insurance?
To file a claim, complete the Claimant’s Statement and Authorization form and submit it along with supporting documents such as itemized medical bills and receipts. Claims can be submitted through the online portal or by contacting IMG directly for assistance