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Ask Our Specialists
Does Visitor's Care IMG cover car accidents Hi Does fixed care insurance cover any accidents (eg: car) and what amounts are covered. I know for emergency they cover $300 and doctor visits $50 but what about surgical costs associated with any emergency conditions (accidents etc). Can you please let me know TIA Ravi
Visitors care or any other visitors medical insurance are secondary insurance. That means, * If you are going in the car, and have an accident, and if it is other driver's fault, his/her car insurance's liability part should cover it. * If it is your fault, if your medical insurance should cover it and not your car insurance. Typical scenario is that the visitor would be a passenger while the driver would be his/her son/daughter/son-in-law/daughter-in-law. In that case, visitors insurance will cover after the claim is submitted to the car insurance first. And as most people don't have medical coverage in car insurance (I myself don't have), and even if someone has, it is only as little as $2,000 typically, the health insurance will take care of it after that. As long as it is covered expense, Visitors Care will pay accordingly to the schedule of benefits described in the brochure, whether it is illness or an accident. I hope that answers your question. If you have any other questions, please feel free to post them here or contact us.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
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You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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