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Visitors Care : Reviews, Ratings, and Feedback

Visitors Care

Limited Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Visitors to the USABudget plan
Visitors Care Insurance is a short-term travel medical insurance plan from International Medical Group (IMG) designed primarily for non-U.S. residents visiting the United States or temporarily traveling outside their home country. It provides scheduled medical benefits for eligible illnesses and injuries, with coverage options offering $25,000, $50,000, or $100,000 maximum limits, deductible choices, emergency medical evacuation, and return of mortal remains. Coverage can generally be purchased for as little as five days and renewed for up to 24 months, subject to the plan terms.

For travelers comparing Visitors Care travel insurance or Visitors Care visitor insurance, the plan may be worth considering when a lower-cost, limited-benefit option is preferred over comprehensive health insurance. Visitors Care is administered by IMG and underwritten by SiriusPoint Specialty Insurance Corporation. Certain versions also provide coverage for the acute onset of pre-existing conditions for eligible travelers under age 70, subject to specific requirements and limits. Benefits, exclusions, deductibles, eligibility, and availability vary by plan and are governed by the Certificate of Insurance, so travelers seeking visitor insurance for the USA should review those documents carefully before purchasing.

No optional add-on benefits on this plan.

Plan Highlights

  • After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
  • Acute Onset of Pre-Existing Condition Coverage:
  • Outpatient & Inpatient Services
  • Emergency Room Coverage
  • Emergency Dental Accident
  • COVID-19 Coverage
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality Insurance Corporation
  • Type of coverage: Limited Coverage Plan
  • Best Suited For: International visitors to the USA, looking for a low-cost travel insurance plan.
  • Eligibility (Who can buy this travel insurance?): International including USA
Reviews and Ratings

Reviews & Ratings

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • PPO Network
  • International Coverage During Travel
  • Acute Onset of Pre-Existing Condition
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $25,000
  • COVID-19: Included
What's Not So Good

What's Not So Good

  • Coverage and benefits may not be adequate. Plan pays fixed pre defined rate for each service. (on limited plans)
  • Precertification required for certain medical treatments to avoid 50% reduction in benefits.
  • Only $10,000 coverage limit for travelers over 80 years of age.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Luna
VisitorsCoverage Support