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Visitors Care Plan Description

Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier. Non-Admitted Carriers are not regulated by state insurance authority, you cannot seek any recourse from Non-Admitted Carriers for unpaid claims. 

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.

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.
Visitors Care Plan Features: 
  • ​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

​This 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
  • Those who DO NOT have pre-existing conditions
  • Recently arrived immigrants​

Visitors Care Schedule of Benefits ​

Inpatient Benefits | $25,000 Policy Max
​Inpatient Treatment
​Inpatient Medical Benefits
Hospital room and board
Up to $825 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
Surgical Treatment
Up to $2000 per surgical session
Physician Consult
Up to $350 per period of coverage
Pre-admission tests
Up to $750 per period of coverage
Private-duty nurse
Up to $400 per period of coverage
Physician Visits
Up to $40 per visit, 30 visits per period of coverage
Outpatient benefits | $25,000 Policy Max
​Outpatient Treatment
​Outpatient Medical Benefits
Surgical Treatment
Up to $2,000 per surgical session
Surgical Facility Fee
Up to $750 per surgical session
Diagnostic x-ray & Lab
Up to $650 per period of coverage ($325 per procedure)
Hospital Emergency Room
Up to $200 per visit
Prescription Drugs
Up to $150 per period of coverage
Physicians visits
Up to $50 per visit, 10 visits per period of coverage
Other services | $25,000 Policy Max
​Other Treatment
​Other Medical Benefits
Anesthetist
Up to $450 per surgical session
Assistant surgeon
Up to $450 per surgical session
Local Ambulance
Up to $250 per period of coverage
Dental for accident to sound natural teeth
Up to $350 per period of coverage
Physical Therapy
Up to $25 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

Miscellaneous Information 

Exclusions 
Exclusions and LimitationsCharges 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, political insurrection, protest, or any act thereof.
  4. Immunizations and routine physical exams.
  5. Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly provided for in the Policy Wording.
  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 Person 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 Injury or Illness 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).
Patient protection & Affordable care act
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. 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 PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you.
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