IMG Visitors Preferred Comprehensive Travel Health Plan
Visitors Preferred Insurance is a comprehensive travel medical insurance plan for visitors to the USA or traveling outside their home country, purchase affordable coverage from 5 days to maximum of 365 days (12 months), benefits include Acute-onset of Pre-Existing Conditions, Telehealth, Border Entry Protection, more.
COVID-19 / SARS-CoV-2 / Coronavirus: COVID-19 is covered under the Visitors Preferred Insurance plan.
Visitors Preferred Insurance is a comprehensive travel medical insurance plan with border entry protection for visitors to the USA or traveling outside their home country, purchase affordable coverage. Visitors Preferred coverage is suited for non-US citizens visiting the USA or for intl. travel outside home country. Visitors Preferred travel medical insurance plan provides coverage for emergencies like hospitalizations and surgery, as well as coverage for minor health issues that may only require a telehealth appointment or a visit to a walk-in clinic, and includes coverage for Acute Onset of Pre-Existing Conditions also.
IMG Visitors Preferred plan is similar to the Patriot America Plus plan, but offers at a lower premium rate, includes telehealth and border entry protection benefits, and also a higher maximum limit for lost checked baggage, and a lower copay for urgent care clinics.
Visitors Preferred Plan is designed to provide comprehensive medical coverage for visitors to the USA while traveling outside their home country, offering protection against various health-related issues during their stay in a foreign country. In addition, this IMG policy offers coverage for acute-onset of pre-existing conditions (up to the maximum limit for insureds under 70 years of age, and a $25,000 maximum limit for a directly related emergency medical evacuation).
- Quote and Buy Visitors Preferred Insurance online
- Review the Visitors Preferred Insurance Brochure
- Review the Visitors Preferred Insurance Certificate
IMG Visitors preferred Insurance plan is administered by International Medical Group, Inc. (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
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Visitors Preferred Insurance Review
Comp. Travel Health Plan for Visitors to USA
Notes: Affordable comprehensive visitor insurance plan for USA visitors offering at a lower premium rate, includes telehealth and border entry protection benefits, and also a higher maximum limit for lost checked baggage, and a lower copay for urgent care clinics.
Eligibility: Any foreign resident individuals and/or family, with ages 14 days to 99 years, and visiting the USA or traveling outside their home country. The plan is available for both foreign nationals and expat US citizens visiting the U.S.
Coverage Duration: Minimum of 5 days to maximum of 365 days (1 year)
Amounts:
- Member maximum limits: Through age 69 years: $50K, $100K, $250K, $500K or $1Million, ages 70-79 years: $50K or $100K, ages 80+: $10K
- Choice of deductible: Select from $0 to $2500
- Coinsurance (In addition to deductible): Plan pays 100% and Insured pays 0%
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: UnitedHealthcare Options Preferred Provider Organization (PPO) network within the United States, consult any doctor or hospital for medical care.
Renew or Extend: Policy is renewable or extendable to the maximum term, prior to date of expiration.
Other Highlights
- Foreign residents visiting the USA
- Anyone traveling outside home country
- United States, Canada, and/or Mexico
- Comprehensive sickness/injury plan for visitors
- Acute onset of pre-existing conditions
- Quote & purchase online for single trip
- Optional riders to policy available
Visitors Preferred Insurance Highlights
- Travel medical plan for USA visitors or travelers to Canada/Mexico
- Affordable coverage for individuals and their dependent families
- Included benefit for border entry protection
- Maximum limit choices of 50K, 100K or 250K USD
- Maximum limit choice is lowered for ages over 70 years
- Choice of deductible options between $0 and $5000
- Coinsurance: company pays 100%
- Coverage for acute-onset of pre-existing conditions
- Coverage for emergency medical evacuations
- Repatriation of mortal remains to home country included
- Minimum purchase of 5 days renewable up to 12 months
- Extend or renew policy, purchase for duration travel
- PPO network to seek treatment with doctor/hospital/provider in-network
- Access policy certificate on the Client Dashboard online
Visitors Preferred Insurance Suits
- Relatives/Parents visiting USA, Canada, Mexico from India, China, etc.
- Travelers, tourists or vacationers seeking affordable pre-ex condition coverage
- New immigrants needing interim pre-ex condition coverage
- Employees in business and/or corporate travelers visiting North America
- Foreigner seeking affordable coverage in USA, Canada, Mexico and outside home country
Visitors Preferred Insurance Information
IMG Visitors Preferred Insurance plan could be a specific insurance policy offered by IMG designed to provide coverage for individuals visiting a foreign country such as USA, Canada or Mexico. The Visitors Preferred plan is a short-term medical insurance product designed for individuals and families traveling from their home country to the United States (including border entry protection). Visitors Preferred provides the coverage you expect for emergencies like hospitalizations and surgery, as well as coverage for minor health issues that may only require a telehealth appointment or a visit to a walk-in clinic. The VisitorsPreferred plan provides coverage for relatives or parents visiting USA or traveling to America and other nations worldwide. The policy offers individuals and families with the comprehensive coverage as detailed in the plan brochure. The Visitors Preferred plan can be purchased from a choice of a wide range of maximum limits and deductible options, and suited for USA visitors who is seeking a affordable plan at reasonable premiums.
- Affordable travel medical coverage
- Includes border entry protection benefits
- Coverage for individuals and dependents
- Acute-onset of Pre-existing conditions covered
- Coverage for Emergency Medical Evacuations
- Return of Mortal Remains or Cremation/Burial
- Wide PPO Network for hospital or doctor of your choice
- Coverage outside home country of residence
- 24 hour secure access from anywhere in the world
- Coverage limits and premium costs balanced
Visitors Preferred Insurance Plan Overview
IMG Visitors Preferred Plan is Visitors Preferred plan is a short-term medical insurance with border entry protection included, product is designed for individuals and families traveling from their home country to the United States. Visitors Preferred provides the coverage you expect for emergencies like hospitalizations and surgery, as well as coverage for minor health issues that may only require a telehealth appointment or a visit to a walk-in clinic. The plan is designed for foreign nations visiting the U.S. and also offers visitors to Canada/Mexico who need temporary medical insurance as visitors to North America, or while traveling for business or pleasure anywhere outside of their home country. Plan is suitable for relatives/parents visiting USA from any foreign destination country.
- Eligibility: Foreigners as visitors to USA, Canada and/or Mexico, for international travel outside home country of residence.
- Policy Maximum: Plan offers maximum coverage from US$50,000, US$100,000, US$250,000, US$500,000 or US$1 Million. For travelers 70-79 years, the maximum coverage is US$50,000 or US$100,000. For travelers 80 years or older, the maximum coverage is US$10,000 only.
- Plan Deductible: Choice of US$0, US$50, US$100, US$250, US$500, US$1000, or US$2500.
- USA PPO Network: Wide PPO network, find treatment at any doctor, clinic or hospital in the UnitedHealthCare Options PPO with the United States.
- Duration: Minimum period of 5 days to initial maximum period up to 365 days (1 year), renewable.
- Pre-Existing Conditions: Acute onset of Pre-existing condition coverage available with the plan.
- Medical Coverage Benefits: Coverage for medical expenses related to illness or injury incurred during the visit, including doctor visits, hospitalization, prescription drugs, and emergency medical evacuation.
- Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits and the specified limits.
- Emergency Services: Access to emergency assistance services, including 24/7 support for medical emergencies, travel assistance, and coordination of medical care.
- Trip Interruption/Cancellation: Reimbursement for prepaid and non-refundable trip expenses in case of trip cancellation or interruption due to covered reasons, such as illness, injury, or other unforeseen events.
- Accidental Death & Dismemberment: Coverage for accidental death or permanent disability resulting from covered accidents during the visit.
- Travel Assistance: Assistance services for travel-related issues, such as lost luggage assistance, emergency cash transfer, and legal assistance.
- Optional Add-Ons: Additional optional coverage options may be available, such as coverage for hazardous activities, sports, or pre-existing medical conditions.
- Administrator: Plan is administered by International Medical Group Inc (IMG).
- Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation.
Visitors Preferred Plan Details
Review the IMG Visitors Preferred Insurance for additional information on the plan options as below:
| Plan Name | Visitors Preferred |
| Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Visitors Preferred Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Visitors Preferred Insurance Brochure |
| Renew Coverage Online | VisitorsPreferred Insurance can be renewed prior to policy expiration. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure with a legal visa status, or Foreign national or US citizen traveling to America, Canada or Mexico and outside home country. International travelers to North America. Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy. For Insured Persons 65 years of age and older visiting the United States of America, initial Period of Coverage must begin within 30 days of arrival in the United States or must have proof of valid international travel insurance coverage expiring no more than 30 days prior to initial Effective Date of Coverage. |
| Area of Coverage | Worldwide Excluding the Insured Person’s Country of Residence |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum of 365 days (12 months). Plan is renewable or extendable. |
| Certificate Period | The period beginning on the effective date of coverage of this certificate, including any extension purchases, and ending on the termination date. |
| Lifetime Maximum Benefit Limit | Age 15 days to Age 69 years: Maximum coverage choices include: $50,000, $100,000, $250,000, $500,000 or $1 Million. Age 70 through 79 years: Maximum coverage limited: $50,000 or $100,000 and Age 80 years of age and older: Maximum coverage limited: $10,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible | Choice of US$0, US$50, US$100, US$250, US$500, US$1000, US$2500, or US$5000. Note: The deductible is not a co-pay and is accumulated for the plan life. Only one deductible per insured member must be satisfied during twelve (12) months of continuous coverage. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Preferred Provider PPO Network | Seek care with the IMG PPO Network which uses UnitedHealthcare Options PPO for co-insurance savings, however you are free to go to any doctor, clinic, or hospital of your choice. Note: Find a doctor/hospital in the IMG PPO Network to find healthcare service providers in your zip area Access care at any doctor or hospital, co-insurance savings apply when care is sought inside the PPO network. |
| Precertification | Interfacility Ambulance Transfer: No coverage if Pre-certification requirements are not met. Emergency Medical Evacuation: No coverage if not approved by the Company. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage. All other Treatments & supplies: 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Refer to the PRE-CERTIFICATION REQUIREMENTS provision for a complete list of services that require Pre-certification. |
| Pre-existing Conditions | Charges resulting directly or indirectly from or relating to any Pre-Existing Condition are excluded from coverage under this insurance. Acute-onset of pre-existing conditions is included for insured person under 70 years of age. |
| Telehealth | Not subject to Deductible and Coinsurance Applicable in the United States. Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance |
| Inpatient or Outpatient Services [Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Limits per period of coverage unless stated as maximum limit] |
|
| Eligible Medical Expenses |
Up to the maximum limit |
| Physician Visits | Up to the maximum limit |
| Urgent Care / Walk-in Clinic | Not subject to deductible and coinsurance Copayment: $15 Copayment is not applicable if the Declaration states a $0 deductible |
| Urgent Care Clinic |
Not subject to deductible |
| Hospital Emergency Room (ER) | Inside the U.S.: Injury not subject to emergency room deductible. Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit.
Outside the U.S.: Up to the maximum limit. |
| Hospitalization / Room & Board |
Average semi-private room rate Includes nursing service |
| Intensive Care Unit | Up to the maximum limit. |
| Bedside Visit | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible. |
| Outpatient Surgical/Hospital Facility, Laboratory, Radiology/X-ray, Chemotherapy/Radiation Therapy, Pre-Admission Testing, Surgery/Reconstructive Surgery, /Durable Medical Equipment/ Chiropractic Care/Physical Therapy | Up to the maximum limit. Medical order or treatment plan required |
| Extended Care Facility/Home Nursing Care | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Prescription Drugs and Medication | Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits Dispensing maximum for Retail Pharmacy: 90 days per prescriptionIf the Certificate of Insurance Maximum Limit is $10,000, $50,000, $100,000, or $250,000 the Prescription Drugs and Medications limit is up to the plan Maximum LimitIf the Certificate of Insurance Maximum Limit is $500,000 or $1,000,000, the Prescription Drugs and Medications Maximum Limit is up to $250,000 per Period of Coverage |
| Hospital Indemnity | Overnight limit: $250 Maximum nights: 10 Outside Insured Person’s Country of Residence and the United States Inpatient Hospitalization only |
| Emergency Services [NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Limits per period of coverage unless stated as maximum limit] |
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| Emergency Eye Exam | Subject to Coinsurance Deductible per occurrence: $50 (plan Deductible waived) Limit: $150 Loss or damage to prescription corrective lenses due to an Accident/td> |
| Dental Treatment | Note: Subject to deductible and coinsurance Limit: $300 (Unexpected pain or treatment due to an accident). |
| Traumatic Dental Injury | Note: Subject to deductible and coinsurance. Treatment at a hospital due to an accident. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. |
| Miscellaneous Plan Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | 50% reduction of eligible medical expenses for treatments & supplies if Pre-certification provisions are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Medical Evacuation: No coverage if not approved by the plan administrator. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the IMG Claims Form to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$50.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required. |
| Client Dashboard | Easy access to the IMG Client Dashboard from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from International Medical Group 24/7 and 365 days of the year. |
| Plan Administrator | International Medical Group handles all claims and policy administration services. IMG Global is based in Indiana, USA. |
| Insurance Underwriter | VisitorsPreferred plans are underwritten by SiriusPoint Specialty Insurance Corporation. |
| Ratings of Insurance Underwriter | SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s. |
| Application Form | Print and complete paper application, mail/fax the Visitors Preferred Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. |
| Quote & Buy Online | Visitors Preferred Insurance Quote |
Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The Master Policy is not a Comprehensive or Full-Coverage Accident and Health Insurance Policy, nor is it a Major Medical plan. Rather, it provides Limited Scheduled Benefits to insured persons, as outlined herein, while they are traveling or temporarily residing outside their home country.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.
Pre-existing Condition: Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Visitors Preferred - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Visitors Preferred Plan Brochure for plan information.
Visitors Preferred - Certificate of Insurance
Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.
- Certificate of Insurance: Review all the policy details available in the Visitors Preferred Insurance Certificate which is the detailed sample document of the master policy.
VisitorsPreferred Insurance PPO Network
IMG Visitors Preferred Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party UnitedHealthCare PPO network for doctors, caregivers and providers.
IMG Visitors Preferred Insurance has a wide PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan allows you to seek treatment with any provider such as doctor, clinic or hospital, but it saves you in co-insurance costs if you find a provider within the PPO network.
Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.
Visitors Preferred Insurance - Quote/Buy Online or Apply
Quote Apply & Buy Visitors Preferred plan instantly online, complete the online application along with requisite premium payment.
- Quote/Buy Online: Get instant quote & Buy Visitors Preferred coverage online.
VisitorsPreferred Plan Renew/Extend Coverage
The Visitors Preferred coverage can be extended or renewed and must be renewed prior to expiration date of the policy to maximum allowed duration of 1 year.
Visitors Preferred Insurance Client Dashboard
IMG Visitors Preferred client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Dashboard: Access the IMG Visitors Preferred coverage on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the IMG Visitors Preferred Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Visitors Preferred Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of Visitors Preferred plan.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid Visitors Preferred is fully refunded without any cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator. However, partial refunds are available if requested in writing (written email request) and plan is refundable on a pro-rated basis only if no claims are made under the policy. A $50 cancellation fee also applies.
Visitors Preferred Insurance FAQ
Below are some of the questions frequently asked with the Visitors Preferred insurance plan gathered over many years:
What is the Visitors Preferred plan?
Affordable medical plan for foreign nationals visiting North America for up one year
The Visitors Preferred plan is a comprehensive temporary medical coverage including border entry protection, offering affordable premiums for foreign nationals who are visiting North America for up to 1 year. The plan is suited for individuals and/or families of any ages up to 99 years who are visiting the United States, Canada, and/or Mexico. Relatives or parents visiting the US. can purchase this policy as it offers limited coverage for acute onset of pre-ex conditions also.
Who is eligible to purchase the Visitors Preferred policy?
Affordable coverage for foreign nationals visiting the USA/Canada/Mexico for up one year
The Visitors Preferred plan is a comprehensive temporary medical coverage and is available for foreign nationals who are visiting North America (United States, Canada, Mexico) for a minimum duration of 5 days and a maximum person of up to 1 year (365 days). Individuals and/or families of any ages 14 days to 99 years who are visiting the United States can purchase the policy. The plan is also available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
Are pre-existing conditions covered under the Visitors Preferred policy?
Visitors Preferred plan offers Acute-Onset of Pre-Existing Condition Coverage
IMG Visitors Preferred Insurance plan offers acute-onset of pre-existing coverage to travelers and visitors to North America. Please refer to the plan brochure and certificate for details.
How to make a claim with the Visitors Preferred Insurance?
Visitors Preferred Insurance Claims
The IMG Visitors Preferred Insurance policy plan claims procedures are as follows:
The IMG claim form must be completed, signed to attest the veracity of the claim, and submitted for review . You can download the IMG claim form online. You must also submit proof of claim which must include the following:
- Completed and signed claim forms for each new illness/disease/diagnosis.
- All original billing forms and statements of services rendered from doctors, clinics, hospitals, and other healthcare providers.
- All original receipts for medical expenses, prescription medications, and other fees incurred or paid by the insured.
The insured person will have 180 days (about 6 months) from the date of claim is incurred to submit complete proof of claim. The company may ask the insured individual to sign an authorization to release medical information to request medical records. The insured individual will have 60 days (about 2 months) to submit the requested information. The company will review all the submitted documents and then proceed with reimbursement on a timely manner.
Claims filing address:
International Medical Group, Attn: Claims Department
PO Box 9162, Farmington Hills, MI 48333-9162, USA
Did you know that the insurance premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy with the same plan options selected, whether you purchase coverage directly from the company or through any agent/agency. Time to stop comparing around, and start shopping to buy with confidence a trusted and rated plan that best meets your coverage needs, with the lowest price guranteed.