Designed for expats and global citizens, international health plans provide long-term health coverage at affordable prices. Get a free, online quote from IMG.
Rest a-sured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Visitor Insurance most commonly refers to international travel medical insurance plans designed for international travelers visiting the United States of America. These plans are perfect for non-U.S. citizens who have domestic health insurance, but aren’t covered outside of their home country.
Specifically, in the United States, healthcare costs are much higher than the rest of the world, and an unexpected illness could result in you owing thousands of dollars. IMG’s visitor insurance plans provide coverage for new medical expenses, multilingual customer service experts, hands-on healthcare coordinators available 24/7 and online resources to make traveling internationally less stressful.
Visitor Insurance plans are excellent for visiting family members or friends, vacationing, taking a short business trip, or any reason that you may find yourself in the U.S. To compare IMG's visitor insurance plans, check out our article, How to Choose the Best Visitor Insurance Plan for You.
Maximum Limits Up to $1,000,000Individual Deductible Options $0 to $2,500ExtensionsUp to 24 continuous monthsEmergency Medical Evacuation(Must be approved in advance and coordinated by the company)
$1,000,000Coinsurance for treatment received in the U.S.In the PPO network: 100% up to the maximum limit
Out of the PPO network: 80% of eligible expenses up to $5,000, then 100%
COVID-19 / SARS-CoV-2 Coverage
COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other
Illness or Injury, subject to all other Terms and conditions of this insurance
Acute Onset of Pre-Existing Conditions
Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation
Eligible Medical ExpensesUp to the maximum limitEligible Medical ExpensesUp to the maximum limitPhysician Visits/ServicesUp to the maximum limitUrgent Care Clinic$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Hospital Emergency Room
(Inside the U.S.)
Injury not subject to emergency room deductibleIllness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum
limit
Hospital Emergency Room
(Outside the U.S.)
Up to the maximum limitHospitalization/Room & BoardAverage semi-private room rate up to the maximum limit. Includes nursing service
Intensive CareUp to the maximum limitBedside Visit(Hospitalized in an intensive care unit)
$1,500 maximum limit. Not subject to deductible.Remote Transportation$5,000 per period; $20,000 lifetime maximumSupplemental Accident$300 per covered accidentOutpatient Surgical / Hospital FacilityUp to the maximum limitLaboratoryUp to the maximum limitRadiology / X-rayUp to the maximum limitChemotherapy / Radiation TherapyUp to the maximum limitPre-Admission TestingUp to the maximum limitSurgeryUp to the maximum limitReconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limitAssistant Surgeon20% of the primary surgeon’s eligible feeAnesthesiaUp to the maximum limitDurable Medical EquipmentUp to the maximum limitChiropractic Care
Medical order or treatment plan required
Up to the maximum limitPhysical Therapy
(Medical order or treatment plan required)
Up to the maximum limitExtended Care Facility
Upon direct transfer from an acute care facility
Up to the maximum limitHome Nursing Care(Upon direct transfer from an acute care facility)
Up to the maximum limitPrescription Drugs and Medications(Dispensing limit per prescription: 90 days)
Up to the plan maximum limit, may not exceed $250,000Emergency Local Ambulance(Injury or illness resulting in an inpatient hospital admission)
Up to the maximum limit. Subject to deductible and coinsuranceEmergency Reunion(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductibleInterfacility Ambulance Transfer
Transfer from one licensed health care facility to
another licensed health care facility resulting in an
inpatient hospital admission
IMG pays 100%
Natural Disaster Evacuation
Must be approved in advance by the company
$25,000 maximum limit. Not subject to deductible.Political Evacuation & Repatriation
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductible Return of Minor Children
(Must be approved in advance by the company)
$100,000 maximum limit. Not subject to deductibleReturn of Mortal Remains or Cremation/Burial
(Must be approved in advance by the company)
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductibleAccidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident
$50,000 principal sum. Not subject to deductible.Common Carrier Accidental Death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsuranceTraumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination
Loss or damage to prescription corrective lenses due to an accident
$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductibleIdentity Theft$500 maximum limit. Not subject to deductible Lost Luggage$50 per item, $500 maximum limit. Not subject to deductibleNatural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.Personal Liability
Secondary to any other insurance
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property.
Pet Return
For a pet cat or dog traveling with the insured person
$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit
For a pet cat or dog up to 30 pounds traveling with the insured person
$500 maximum limit. Not subject to deductible.
Terrorism$50,000 maximum limit. Not subject to deductibleReturn Travel$10,000 maximum limit. Not subject to deductible
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
