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Visitors Care®

Travel medical insurance for non-U.S. residents/citizens traveling to the United States

5 Days to 2 Years

Since 1990, the administrator has provided global benefits and assistance services to millions of customers in nearly every country around the world. Owned by Sirius Group, a 2.6 billion-dollar, AM Best "A" rated insurance industry leader, the administrator is uniquely positioned to deliver the Global Peace of Mind® our members need.

  • 24/7 medical and travel assistance services
  • Multilingual staff & claims administrators
  • Highly trained customer service professionals
  • Core values driven by a commitment to customers
  • Customer service centers located in the U.S. and U.K.
  • Financial security to fulfill our promise when you need it most

Get Covered Away From Home

Most people don't realize they're at risk when they're traveling, and assume they're already covered by their standard medical plan. While some traditional plans may offer some domestic coverage, they aren't designed for international travel. Fill the gaps in your travel medical coverage with a Visitors Care® plan that meets your needs and spend more time enjoying your international experience-not worrying about your medical coverage.

Visitors Care offers a broad package of scheduled benefits for non-U.S. citizens/residents traveling to the United States. There are nine separate options based on deductible levels and maximum limits. Simply select the option that best fits your needs.

Summary of Benefits

Plan APlan BPlan C
Period of Coverage5 days to 2 years5 days to 2 years5 days to 2 years
Period of Coverage Limit$25,000 per illness/injury$50,000 per illness/injury$100,000 per illness/injury
Area of CoverageNon U.S. citizens/residents traveling to the U.S.Non U.S. citizens/residents traveling to the U.S.Non U.S. citizens/residents traveling to the U.S.
Deductibles$0, $50, $100$0, $50, $100$0, $50, $100
Acute Onset of Pre-Existing Conditions$25,000 max per coverage period
(subject to sub-limits below)
$50,000 max per coverage period
(subject to sub-limits below)
$100,000 max per coverage period
(subject to sub-limits below)
Emergency Medical Evacuation
Arises or results directly or indirectly from a covered acute onset of a pre-existing condition
$25,000 max per period of coverage$25,000 max per period of coverage$25,000 max per period of coverage
Physician Visits/Services$40 max per visit
30 max visits per period of coverage
$60 max per visit
30 max visits per period of coverage
$85 max per visit
30 max visits per period of coverage
Urgent Care Center$40 max per visit/10 max visits$60 max per visit/10 max visits$85 max per visit/10 max visits
Hospital Emergency Room$200 max per visit$330 max per visit$550 max per visit
Hospitalization/Room & Board
Average semi-private room rate Includes nursing, misc., and ancillary services
Up to $825 max per day
30 day max per period of coverage
Up to $1,400 max per day
30 day max per period of coverage
Up to $2,000 max per day
30 day max per period of coverage
Intensive CareUp to an additional $400 max per day, 8 day max per period of coverageUp to an additional $660 max per day, 8 day max per period of coverageUp to an additional $850 max per day, 8 day max per period of coverage
Outpatient Surgical/Hospital FacilityUp to $2,000 max per surgical session
Up to $750 max per surgical session (facility)
Up to $3,300 max per surgical session
Up to $900 max per surgical session (facility)
Up to $5,500 max per surgical session
Up to $1,000 max per surgical session (facility)
Laboratory
Radiology/X-ray
Up to $400 max per period of coverage
($200 per procedure)
Up to $450 max per period of coverage
($250 per procedure)
Up to $500 max per period of coverage
($500 per procedure)
Chemotherapy/Radiation Therapy$550 max per visit$1,100 max per visit$1,350 max per visit
Pre-Admission TestingUp to $750 max per period of coverageUp to $1,100 max per period of coverageUp to $1,100 max per period of coverage
SurgeryUp to $2,000 max per surgical sessionUp to $3,300 max per surgical sessionUp to $5,500 max per surgical session
Assistant Surgeon
20% of the primary surgeon's eligible fee
Up to $450 max per surgical sessionUp to $825 max per surgical sessionUp to $1,375 max per surgical session
AnesthesiaUp to $450 max per surgical sessionUp to $825 max per surgical sessionUp to $1,375 max per surgical session
Durable Medical Equipment$550 max per period of coverage$1,000 max per period of coverage$1,300 max per period of coverage
Physical Therapy
Medical order or treatment plan required
Up to $40 max per visit per day, 12 max visits per period of coverageUp to $40 max per visit per day, 12 max visits per period of coverageUp to $40 max per visit per day, 12 max visits per period of coverage
Extended Care Facility
Upon direct transfer from an acute care hospital
Covered under Hospital Room & BoardCovered under Hospital Room & BoardCovered under Hospital Room & Board
Home Nursing Care
Provided by a home healthcare agency upon direct transfer from an acute care hospital
$550 max per period of coverage$550 max per period of coverage$550 max per period of coverage
Prescriptions
Dispensing limit: 90 days
Up to $250 max per period of coverageUp to $250 max per period of coverageUp to $250 max per period of coverage
Emergency Local AmbulanceUp to $250 max per period of coverageUp to $450 max per period of coverageUp to $475 max per period of coverage
Emergency Medical EvacuationUp to $25,000 maxUp to $50,000 maxUp to $50,000 max
Return of Mortal Remains$25,000 max with $5,000 max for Cremation/Burial$25,000 max with $5,000 max for Cremation/Burial$25,000 max with $5,000 max for Cremation/Burial
Common Carrier Accidental Death$25,000 max per period of coverage$25,000 max per period of coverage$25,000 max per period of coverage
Dental InjuryUp to $550 max per period of coverageUp to $550 max per period of coverageUp to $550 max per period of coverage
Incidental Trip
Maximum days: 14 Insured person's country of residence is not the United States
14 day maximum14 day maximum14 day maximum

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.

Innovative Technology & Member Services

  • Self-Service Member Portal

    The administrator provides service at your fingertips, giving you the information and tools to manage your administrator plans anytime, anywhere, through awardwinning, easy-to-use technology. You’ll have immediate access to these important resources online, including our 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and much more.

  • Pharmacy Discount Savings

    Universal Rx is a discount savings program that allows you to purchase prescriptions from one of 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This network offers a simplified claims process with minimal paperwork for the member if they visit an in-network provider.

    This program is not insurance coverage; it is purely a discount program.

How To Get Covered

  • Step 1:

    Contact us directly to obtain an application or to apply online.

  • Step 2:

    Complete your application: If applying as a family, you may include yourself, your spouse, and dependents on one application. For dependents 18 and over, please complete a separate application.

  • Step 3:

    Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the family!

How To Extend Your Coverage

To meet the needs of our customers, Visitors Care plans can be purchased for up to a 12-month period. They can be extended up to 24 continuous months. Renewals are available in daily increments and may be completed online. For each renewal, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12-month coverage period.

Please note that renewal rates may differ from initial rates. Eligibility to purchase, extend, or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA).

Conditions Of Coverage

  • Coverage and benefits are subject to the applicable deductible and scheduled limits and sub-limits, and all other terms, conditions, and exclusions of the Visitors Care plan as described in the complete Certificate of Insurance.
  • Coverage under the plan is secondary to any other available coverage or benefits.
  • Coverage and benefits are for medically necessary, and usual, reasonable, and customary charges only.
  • Treatment must be administered or ordered by a physician.
  • Charges must be incurred during the period of coverage.
  • Claims must be presented to the administrator for payment within ninety (90) days from the date the claim was incurred.

Daily Rates

Plan A - $25,000 Maximum Benefit Per Life of Plan
 Option 1
$0 deductible
per period of coverage
Option 2
$50 deductible
per period of coverage
Option 3
$100 deductible
per period of coverage
AgeDailyDailyDaily
2 weeks - 29$0.71$0.59$0.53
30 - 39$0.80$0.68$0.59
40 - 49$0.83$0.71$0.62
50 - 59$1.17$0.96$0.90
60 - 69$1.45$1.20$1.11
70 - 79N/A$1.88$1.79
80+*N/A$3.76$3.57
Dependent child$0.79$0.64$0.61

*The maximum amount of coverage for applicants who are 80 years of age or older is $10,000.

Plan B - $50,000 Maximum Benefit Per Life of Plan
 Option 4
$0 deductible
per period of coverage
Option 5
$50 deductible
per period of coverage
Option 6
$100 deductible
per period of coverage
AgeDailyDailyDaily
2 weeks - 29$1.06$0.90$0.81
30 - 39$1.25$1.06$0.97
40 - 49$1.27$1.09$0.99
50 - 59$1.77$1.52$1.37
60 - 69$2.08$1.73$1.62
70 - 79N/A$2.83$2.67
Dependent child$1.17$0.98$0.87
Plan C - $100,000 Maximum Benefit Per Life of Plan
 Option 7
$0 deductible
per period of coverage
Option 8
$50 deductible
per period of coverage
Option 9
$100 deductible
per period of coverage
AgeDailyDailyDaily
2 weeks - 29$1.48$1.22$1.13
30 - 39$1.63$1.37$1.28
40 - 49$1.66$1.39$1.31
50 - 59$2.35$1.93$1.78
60 - 69$2.74$2.29$2.24
70 - 79N/A$4.03$3.91
Dependent child$1.60$1.35$1.24

All premium rates are effective as of 05/01/19. The administrator reserves the right to issue the most current rates in the event these expire, are modified or replaced with a newer version. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. As of January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person's sole and exclusive responsibility to determine the insurance requirements applicable to them, and the company and the administrator shall have no liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including, without limitation, PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase Visitors Care, please contact your attorney or CPA.

Administrator

IMG
P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA

IMG® acts as the authorized representative and plan administrator for and on behalf of Sirius International.

Underwriter

Coverage is underwritten and issued by Sirius International Insurance Corporation, rated A (excellent) by A.M. Best and A- by Standard & Poor's (at the time of printing).

FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470
Website: www.insubuy.com

This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered, and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by International Medical Group and its representatives throughout the world. ©2007-2019 International Medical Group. All rights reserved.

Version: 0519
CM00500665A190329

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New 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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Going on a vacation?

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.

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Are 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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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling 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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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