International Medical Group

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Visitors Care Travel Medical Insurance from IMG

The plan offers benefit maximums of $25,000*, $50,000 or $100,000 for the life of the plan, and a choice of deductibles of $0, $50 or $100 applied per period of coverage. A $10,000 maximum is available to applicants 80 years old or older.

When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.

Schedule of Benefits and Limits
INTERNATIONAL EMERGENCY CARE
Emergency Evacuation - Plan A to $25,000 / Plans B & C to $50,000
The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable transportation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. To be eligible for the Evacuation benefit, this must be recommended by the attending physician in life-threatening medical situations, and approved in advance and coordinated by IMG.
Return of Mortal Remains or Cremation/Burial - To $7,500
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of $7,500; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death. To be eligible for the Return benefit, this must be approved in advance and coordinated by IMG.
SPECIAL COVERAGES
Home Country Coverage - As described below
Incidental Home Country Coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), subject to: 1) The insured person must have left their home country, 2) The total Period of Coverage must be for a minimum of 30 days, and 3) The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
Common Carrier Accidental Death - $25,000 to Beneficiary
If accidental death should occur while traveling on a commercial common carrier during the period of coverage, $25,000 will be paid to the designated beneficiary.
 

Plan A

$25,000 maximum benefit per life of plan*

Plan B

$50,000 maximum benefit per life of plan

Plan C

$100,000 maximum benefit per life of plan

Inpatient Treatment
Hospital room & board Up to $825 per day, 30 day maximum per period of coverage Up to $1,400 per day, 30 day maximum per period of coverage Up to $1,950 per day, 30 day maximum per period of coverage
Intensive Care Additional $400 per day, 8 day maximum per period of coverage Additional $660 per day, 8 day maximum per period of coverage Additional $850 per day, 8 day maximum per period of coverage
Surgical Treatment Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Consult physician Up to $350 per period of coverage Up to $450 per period of coverage Up to $500 per period of coverage
Pre-admission tests Up to $750 per period of coverage Up to $1,100 per period of coverage Up to $1,100 per period of coverage
Private duty nurse Up to $400 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Physician visits Up to $40 allowable charge per visit, 30 visits per period of coverage Up to $55 allowable charge per visit, 30 visits per period of coverage Up to $85 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Surgical facility fee Up to $750 per surgical session Up to $900 per surgical session Up to $1,000 per surgical session
Diagnostic x-ray & lab Up to $650 per period of coverage, ($325 allowable charge per procedure) Up to $800 per period of coverage, ($400 allowable charge per procedure) Up to $950 per period of coverage, ($475 allowable charge per procedure)
Hospital emergency room Up to $200 allowable charge per visit Up to 75% of URC to $330 per visit Up to 75% of URC to $550per visit
Prescription drugs Up to $150 per period of coverage Up to $250 per period of coverage Up to $250 per period of coverage
Physician visits Up to $50 allowable charge per visit, 10 visits per period of coverage Up to $55 allowable charge per visit, 10 visits per period of coverage Up to $85 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
Assistant surgeon Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
Other Coverages
Ambulance Up to $250 per period of coverage Up to $450 per period of coverage Up to $450 per period of coverage
Dental for accident to sound natural teeth Up to $350 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Physical Therapy Up to $25 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage
Physical Therapy Up to $150 per day, 15 day maximum per period of coverage Up to $200 per day, 15 day maximum per period of coverage Up to $250 per day, 15 day maximum per period of coverage

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

The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin.

PLEASE NOTE: This web page contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages and benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.