Pre-existing Coverage (limits apply*)Visitors to the USA
Visitors Protect
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Visitors Protect (A.M. Best Rating: A-) is a comprehensive travel medical insurance plan for international travelers visiting the United States, Canada, or Mexico who want broader medical protection during their trip. In addition to covering eligible new illnesses and injuries, it is one of the few visitor insurance plans that offers limited coverage for the worsening of eligible pre-existing conditions, making it a strong option for travelers who need added peace of mind. Coverage is available from 90 days to 365 days and must be purchased before leaving the home country.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 75% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 60% of eligible medical expenses up to the selected policy maximum.
Visitors Protect provides limited coverage for pre-existing conditions up to $25,000 through age 69 and up to $20,000 for ages 70 and older.
Review the Visitors Protect policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 75% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 60% of eligible medical expenses up to the selected policy maximum.
Visitors Protect provides limited coverage for pre-existing conditions up to $25,000 through age 69 and up to $20,000 for ages 70 and older.
Review the Visitors Protect policy documents for complete coverage details, exclusions, and limitations.
Learn more about 2 optional add-on benefits available on this plan.
How Visitors Protect Works
Pre-Existing Condition Coverage
Out of Network
60%
After deductible, 60% up to policy maximum
PPO Network for Visitors Protect
Inside the USA
The PPO provider for Visitors Protect Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Visitors Protect policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can visit any doctor or hospital.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
75% up to Policy Maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$25 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
60% up to policy maximum
Pre-Existing Condition
Included
PPO Network
Medical Evacuation
Up to $25000
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Lab & X-Rays
60% up to policy maximum
Emergency Room
75% up to Policy Maximum
Pre-Existing Condition
Included
Hospitalization
Average semi-private room and rate
PPO Network
Urgent Care
$25 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $25000
Prescription Rx - Medicine
60% up to policy maximum
Lab & X-Rays
60% up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Eligibility for Visitors Protect
- For visitors traveling to the USA, Canada and Mexico
- Coverage begins once the policyholder has left their home country and has entered the destination country
- For ages 14 days to 99 years
- Coverage for a minimum of 90 days up to 365 days
- Not Extendable
- Must purchase policy before departing home country if traveling to the U.S
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Coverage for Pre-Existing conditions as per the policy terms and conditions.
For those 69 and below: Coverage is up to $25,000 for Pre-Existing conditions
For those ages 70+: Coverage is up to $20,000 for Pre-Existing conditions
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
60% up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Urgent Care
In-Network
In-Network
$25 copay, 100% up to Policy Maximum
Out-Network
Out-Network
$50 copay, 100% up to Policy Maximum
Surgical Treatment
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Lab & X-rays
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Surgical Treatment
In-Network
In-Network
75% up to policy maximum
Out-Network
Out-Network
60% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Up to 75%
Out-Network
Out-Network
Up to 60%
Emergency Room
In-Network
In-Network
75% up to Policy Maximum
Out-Network
Out-Network
60% up to Policy Maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Up to $300
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
Not covered
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $25,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Not covered
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Optional add-on benefits
More coverage options available for extra protection.
Device Protection Rider
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Telehealth
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Visitors Protect Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
Apple Valley, MN 55124 USA
Apple Valley, MN 55124 USA
317-655-4500
imgcustomercare@imglobal.com
Administrator Contacts:
800-628-4664 or 317-655-4500
imgcustomercare@imglobal.com
Claims Form(s):
Any traveler visiting the U.S, Canada, or Mexico can purchase the Visitors Protect plan. The plan offers coverage for those 14 days up to 99 years of age. The Visitors Protect plan provides travel medical coverage with limited pre-existing condition benefits. Please Note: Purchase must be done before departing the country of residence if your destination is the U.S.
The Visitors Protect plan can cover for worsening of a pre-existing condition up to the stated amount on the policy document. For those up to the age of 69, pre-existing conditions are covered up to $25,000. For those ages 70 and older, pre-existing conditions are covered up to $20,000. Please review the policy terms and conditions for any additional limits or exclusions.
The PPO network associated with Visitors Protect is United Healthcare.
You can search for doctors and hospitals in this Provider Directory.
No, the Visitors Protect plan covers only for worsening or emergencies related to pre-existing conditions that were stable with medications.
Lab work prescribed by an attending doctor for the treatment or diagnosis of a worsening pre-existing condition may be covered by Visitors Protect.
Please refer to the following article concerning the claim process for Visitors Protect:
Visitor Insurance Claim Process
The cost of Visitors Protect varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, and selected coverage benefit limits. Typically, it can cost about $8 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
The Visitors Protect plan is not extendable or renewable.
Yes, you can cancel and get a refund for the Visitors Protect plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the Visitors Protect policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
To purchase Visitors Protect, you will need names, coverage duration, date(s) of birth, home country address and a valid credit card.
After enrolling in Visitors Protect, you will receive an email confirmation containing an attachment for ID cards, a certificate of insurance, and a visa letter.
Coverage, with Visitors Protect, will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
Visitors Protect can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Visitors Protect plan does not cover for the COVID-19 vaccine/booster. Visitors Protect will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the desired coverage length you have selected, you have to make the full payment at once. Visitors Protect is not extendable or renewable.
Coverage with Visitors Protect will begin on the date selected and once the policyholder has left their home country.
Only the primary destination in the application will be listed on the Visitors Protect policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on the Visitors Protect plan will begin on the selected coverage start date (12:01am EST) and once the traveler has left their home country. Coverage areas are the United States, Canada, and Mexico as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am EST the day after the last date of coverage.
The Visitors Protect plan does not offer any coverage for quarantine.
The insurance provider for Visitors Protect recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
If your original payment method for Visitors Protect is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.
Have specific questions about this plan?
AI Assistant Visitors ProtectAI assistant can help you find specific terms and details in the policy document.
Need more assistance?
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
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.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
