Visitors Protect Insurance

Temporary health insurance for individuals, families

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Summary of Benefits

Coverage Limit/Maximum Amount for Eligible Medical Expenses
 
Period of Coverage 90 days up to 12 months
Per Injury or Illness Maximum Limit
  • As indicated on the declaration
  • Through age 69: $50,000, $100,000, or $250,000
  • Ages 70 and older: $50,000
Area of CoverageUnited States, Canada, and Mexico
Deductible for Eligible Medical Expenses
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Per Injury or Illness Deductible $250, $500, $1,000, $2,500, or $5,000 per insured person, as indicated on the declaration
Coinsurance for Eligible Medical Expenses
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Coinsurance
  • In addition to deductible
Plan pays 75%
Insured pays 25% 		Plan pays 60%
Insured pays 40%
Precertification
 
  • Interfacility ambulance transfer: no coverage if precertification requirements are not met.
  • Emergency medical evacuation: no coverage if not approved by the company. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage.
  • All other treatments & supplies: 50% reduction of eligible medical expenses if precertification requirements are not met.
  • Deductible is taken after reduction.
  • Coinsurance is applied to remainder of the reduced amount.
  • Refer to the PRECERTIFICATION REQUIREMENTS provision for a complete list of services that require precertification.
Pre-Existing Conditions
 
  • Deductible: $1,500 per injury or illness (plan deductible waived)
  • Maximum limit through age 69: $25,000
  • Maximum limit ages 70 and older: $20,000
Inpatient or Outpatient Services
(Subject to deductible and coinsurance unless otherwise noted
Eligible medical expenses are limited to usual, reasonable, and customary
Limits per period of coverage unless stated as maximum limit)
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Eligible Medical Expenses 75% 60%
Physician Visits/Services 75% 60%
Urgent Care Clinic
  • Not subject to deductible and coinsurance
  • In-network copayment: $25
  • Out-of-network copayment: $50
100% 100%
Walk-in Clinic
  • Not subject to deductible and coinsurance
  • In-network copayment: $15
  • Out-of-network copayment: $25
100% 100%
CareClix Consultation
  • Not subject to deductible and coinsurance
  • CareClix consultations will not support a diagnosis for mental or nervous disorders
  • Coverage for a CareClix consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The company reserves the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a CareClix consultation where the illness or injury is directly or indirectly related to any preexisting condition or is otherwise excluded under this certificate of insurance
100% 100%
Hospital Emergency Room
  • Injury: not subject to emergency room deductible
  • Illness: subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission
75% 60%
Hospitalization/Room & Board
  • Average semi-private room rate
  • Includes nursing services
75% 60%
Intensive Care 75% 60%
Hospital Ancillary Services
  • Maximum limit: $40,000
  • Includes laboratory, x-rays, drugs, and miscellaneous services
75% 60%
Outpatient Surgical/Hospital Facility 75% 60%
Laboratory 75% 60%
Radiology/X-ray 75% 60%
Pre-Admission Testing 75% 60%
Surgery 75% 60%
Reconstructive Surgery
  • Surgery is incidental to and follows surgery that was covered under the plan
75% 60%
Assistant Surgeon
  • 20% of the primary surgeon’s eligible fee
75% 60%
Anesthesia 75% 60%
Durable Medical Equipment 75% 60%
Chiropractic Care
  • Medical order or treatment plan required
75% 60%
Physical Therapy
  • Inpatient and outpatient
  • Medical order or treatment plan required
75% 60%
Extended Care Facility
  • Upon direct transfer from an acute care facility
75% 60%
Home Nursing Care
  • Provided by a home health care agency
  • Upon direct transfer from an acute care facility
75% 60%
Prescription Drugs
(Subject to deductible and coinsurance unless otherwise noted
Eligible medical expenses are limited to usual, reasonable, and customary
Limits per period of coverage unless stated as maximum limit)
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Outpatient Prescription Drugs 75% 60%
Emergency Services
NOT subject to deductible and coinsurance unless otherwise noted
Eligible medical expenses are limited to usual, reasonable, and customary
Limits per period of coverage unless stated as maximum limit
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Emergency Local Ambulance
  • Subject to deductible and coinsurance
  • Injury
  • Illness resulting in an inpatient hospital admission
75% 60%
Emergency Medical Evacuation
  • Maximum limit: $25,000
  • Approved in advance and coordinated by the company
100% 100%
Emergency Reunion
  • Maximum limit: $100,000
  • Maximum days: 15
  • Meal maximum per day: $25
  • Reasonable and necessary travel costs and accommodations
  • Approved in advance by the company
100% 100%
Interfacility Ambulance Transfer
  • Transfer must be a result of an inpatient hospital admission
100% 100%
Return of Minor Children
  • Maximum limit: $100,000
  • Approved in advance by the company
100% 100%
Return of Mortal Remains
  • Maximum Limit: $25,000
  • Local burial/cremation maximum limit: $5,000
  • Return of insured person’s mortal remains to country of residence
  • Approved in advance by the company
100% 100%
Other Services
 
Benefit LevelsUnited States (In-Network),
Canada, Mexico 		United States (Out-of-Network)
Accidental Death & Dismemberment
  • Principal sum maximum limit: $25,000
  • Death must occur within 90 days of the accident
Accidental Death: 100% of Principal Sum
Dismemberment:
Accidental Loss
Sight of one eye
One hand or one foot
One hand and the loss of sight of one eye
One foot and the loss of sight of one eye
One hand and one foot
Both hands or both feet
Sight of both eyes
Percent of Principal Sum
50%
50%
100%
100%
100%
100%
100%
Dental Treatment
  • Subject to deductible and coinsurance
  • Limit: $300
    (Unexpected pain or treatment due to an accident)
75% 75%
Traumatic Dental Injury
  • Subject to deductible and coinsurance
  • Treatment at a hospital due to an
  • Additional treatment for the same injury rendered by a dental provider will be paid at 100%
75% 60%

Coverage Information

Enrollment

To apply for this plan, simply complete the online application by clicking "Get Quote". If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage. If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG.

Eligibility

Visitors Protect insurance is available for those traveling from their home country to the U.S., Canada, and Mexico. You must pay the required premium on or before the effective date of coverage and must have legally entered your destination country on the effective date. All applicants must be at least 14 days old, and cannot be HIV+, pregnant, hospitalized, or disabled on the plan effective date. 

 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.