Visitors Care

From International Medical Group

Available for up to 2 years of coverage, Visitors Care® Travel Medical Insurance is a low-cost scheduled benefit travel medical plan that provides up to $100,000 in coverage for any new illness & injury that might occur while traveling.

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Visitors Care Benefit Schedule

The plan offers benefit maximums of $25,000*, $50,000 or $100,000 for the life of the plan, and a choice of deductibles of $0, $50 or $100 applied per period of coverage. A $10,000 maximum is available to applicants 80 years old or older.

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.

International Emergency Care
Emergency Evacuation

Plan A to $25,000 / Plans B & C to $50,000

The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. To be eligible for the Evacuation benefit, this must be recommended by the attending physician in life-threatening medical situations, and approved in advance and coordinated by IMG.

Return of Mortal Remains or Cremation/Burial

To $7,500

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. To be eligible for the Return benefit, this must be approved in advance and coordinated by IMG.

Special Coverages
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

$25,000 to Beneficiary

If accidental death should occur while traveling on a commercial common carrier during the period of coverage, $25,000 will be paid to the designated beneficiary.

Benefit

Plan A

$25,000 maximum benefit per life of plan*

Plan B

$50,000 maximum benefit per life of plan

Plan C

$100,000 maximum benefit per life of plan

Inpatient Treatment
Hospital room & board
Up to $825 per day, 30 day maximum per period of coverage
Up to $1,400 per day, 30 day maximum per period of coverage
Up to $1,950 per day, 30 day maximum per period of coverage
Intensive Care
Additional $400 per day, 8 day maximum per period of coverage
Additional $660 per day, 8 day maximum per period of coverage
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 allowable charge per visit, 30 visits per period of coverage
Up to $55 allowable charge per visit, 30 visits per period of coverage
Up to $85 allowable charge 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 $900 per surgical session
Up to $750 per surgical session
Up to $1,000 per surgical session
Diagnostic x-ray & lab
Up to $650 per period of coverage, ($325 allowable charge per procedure)
Up to $800 per period of coverage, ($400 allowable charge per procedure)
Up to $950 per period of coverage, ($475 allowable charge per procedure)
Hospital emergency room
Up to $200 allowable charge 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 allowable charge per visit, 10 visits per period of coverage
Up to $55 allowable charge per visit, 10 visits per period of coverage
Up to $85 allowable charge 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 $1,375 per surgical session
Assistant surgeon
Up to $450 per surgical session
Up to $825 per surgical session
Up to $1,375 per surgical session
Other Coverages
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
Physical 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 maximum amount of coverage for applicants who are 80 years of age or older is $10,000.

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.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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