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. 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.

Since 1990, the administrator has provided global benefits and assistance services to millions of customers in nearly every country around the world. Owned by SiriusPoint*, a multibillion-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

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.
*Acute onset benefits are subject to limitations that can be found in the Insurance Contract.

• MyAccount

  MyAccount provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through easy-to-use technology. You’ll have immediate access to important resources online, including our service center team, plan document access, claim forms 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.

• First Health Network

  For travelers in the U.S., the First Health network is a wide-ranging national PPO network that gives you more access to more doctors and services, including:

  • 5,000 hospitals
  • 90,000 ancillary facilities
  • 1 million healthcare professional service locations

• Step 1:

  Get a quote in the online application.

• Step 2:

  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!

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).

• 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 180 days from the date the claim was incurred.

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

New premium rates per Insured Person are effective for purchases beginning May 11, 2022 for eligible individuals whose applications are approved by the administrator. The administrator reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified or replaced.

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.

IMG^® acts as the authorized representative and plan administrator for and on behalf of SiriusPoint Specialty Insurance Corporation.

FOR ADDITIONAL INFORMATION

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

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