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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
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What type of coverage
do you need?
Travel MedicalInsurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
Popular Plans
Patriot Travel Series
Patriot Lite Patriot America Plus Patriot Platinum
Patriot Exchange Program GlobeHopper Senior
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International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Popular Plans
Global Medical Insurance GEO Group
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TravelInsurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Popular Plans
iTravelInsured Travel Series
iTravelInsured Lite iTravelInsured SE iTravelInsured LX
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Individual & Family Services
Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.
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Enterprise
Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
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What type of organization do you represent?
- Corporations
- Insurance Companies
- Educational Institutions
- Mission Organizations
- Maritime Industries
- Government Agencies
- Non-Profit Organizations
Global Workers' Compensation Case Management
Security Assistance Services
Insurance Administrative Services
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.
Popular Plans
For Visitors & Immigrants
Recommended
Patriot America Plus
Temporary health insurance for non-U.S. residents traveling to the USA
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverage for inside the U.S.
- Short-term travel medical coverage
- Made for individuals, groups, and their dependents
- Coverage for Acute Onset of Pre-Existing Conditions*
- Freedom to seek treatment with hospital or doctor of your choice
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
| Maximum Limits | Up to $1,000,000 |
| Individual Deductible Options | $0 to $2,500 |
| Extensions | Up to 24 continuous months |
| Emergency Medical Evacuation (Must be approved in advance and coordinated by the company) | $1,000,000 |
| Coinsurance 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 Expenses | Up to the maximum limit |
| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Urgent 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 deductible Illness: 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 limit |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
| Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Physical Therapy (Medical order or treatment plan required) | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
| Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
| Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Interfacility 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 deductible |
| Return 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 deductible |
| Accidental 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 coinsurance |
| Traumatic 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 deductible |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Natural 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 deductible |
| Return Travel | $10,000 maximum limit. Not subject to deductible |
Visitors Protect Insurance
Temporary health insurance for individuals, families
Highlights
- Coverage for Pre-Existing Conditions
- Coverages for inside the U.S., Canada and Mexico
- Short-term travel medical coverage
- Coverage for individuals, and their dependents
- Freedom to seek treatment with hospital or doctor of your choice
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
| Period of Coverage | 90 days up to 12 months |
Per Injury or Illness Maximum Limit
|
|
| Area of Coverage | United States, Canada, and Mexico |
| Benefit Levels | United 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 | |
| Benefit Levels | United States (In-Network), Canada, Mexico | United States (Out-of-Network) |
Coinsurance
| Plan pays 75% Insured pays 25% | Plan pays 60% Insured pays 40% |
- 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.
- 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
| Benefit Levels | United States (In-Network), Canada, Mexico | United States (Out-of-Network) |
| Eligible Medical Expenses | 75% | 60% |
| Physician Visits/Services | 75% | 60% |
Urgent Care Clinic
| 100% | 100% |
Walk-in Clinic
| 100% | 100% |
CareClix Consultation
| 100% | 100% |
Hospital Emergency Room
| 75% | 60% |
Hospitalization/Room & Board
| 75% | 60% |
| Intensive Care | 75% | 60% |
Hospital Ancillary 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
| 75% | 60% |
Assistant Surgeon
| 75% | 60% |
| Anesthesia | 75% | 60% |
| Durable Medical Equipment | 75% | 60% |
Chiropractic Care
| 75% | 60% |
Physical Therapy
| 75% | 60% |
Extended Care Facility
| 75% | 60% |
Home Nursing Care
| 75% | 60% |
| Benefit Levels | United States (In-Network), Canada, Mexico | United States (Out-of-Network) |
| Outpatient Prescription Drugs | 75% | 60% |
| Benefit Levels | United States (In-Network), Canada, Mexico | United States (Out-of-Network) |
Emergency Local Ambulance
| 75% | 60% |
Emergency Medical Evacuation
| 100% | 100% |
Emergency Reunion
| 100% | 100% |
Interfacility Ambulance Transfer
| 100% | 100% |
Return of Minor Children
| 100% | 100% |
Return of Mortal Remains
| 100% | 100% |
| Benefit Levels | United States (In-Network), Canada, Mexico | United States (Out-of-Network) | |
Accidental Death & Dismemberment
| Accidental Death: 100% of Principal Sum | ||
| |||
Dental Treatment
| 75% | 75% | |
Traumatic Dental Injury
| 75% | 60% | |
Recommended
Patriot Platinum Travel Medical Insurance
Temporary first-class health insurance for individuals, families, and groups
Highlights
- COVID-19 coverage for travelers to the U.S.
- Coverages for inside and outside the U.S.
( Patriot America Platinum / Patriot International Platinum ) - Short-term travel medical coverage
- Coverage for individuals, groups, and their dependents
- Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
- Freedom to seek treatment with hospital or doctor of your choice
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
| Maximum Limits | Up to $8,000,000 |
| Deductible | $0 to $25,000 |
| Extensions | Up to 36 continuous months |
| Emergency Medical Evacuation | Up to maximum limit |
| Coinsurance for treatment received outside the U.S. (International) | 100% up to the maximum limit |
| Coinsurance for treatment received in the U.S. (America) | In the PPO network: 100% up to the maximum limit Out of the PPO network: 90% up to $5,000, then 100% |
| Incidental Emergency Coverage in the U.S. (Patriot International only) | 14 consecutive days maximum limit. Available only for a covered emergency medical evacuation or an emergency injury or illness that manifested during travel through the United States to or from the host country |
| 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, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation |
| Travel Intelligence | Included |
| Telehealth | Included |
| Evacuation Plus | Included |
| Eligible Medical Expenses | Up to the maximum limit |
| Eligible Medical Expenses | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Urgent 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 deductible Illness: 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 limit |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Bedside Visit (Hospitalized in an intensive care unit) | $1,500 maximum limit. Not subject to deductible. |
| Remote Transportation | $5,000 per period; $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Radiology / X-ray | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Durable Medical Equipment | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Physical Therapy (Medical order or treatment plan required) | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
| Prescription Drugs and Medications (Dispensing limit per prescription: 90 days) | Up to the plan maximum limit, may not exceed $250,000 |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
| Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Interfacility 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 deductible |
| Return 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 deductible |
| Accidental 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 coinsurance |
| Traumatic 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 deductible |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Natural 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 deductible |
| Return Travel | $10,000 maximum limit. Not subject to deductible |
Additional Plans
For Visitors & Immigrants
Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups when traveling outside of your home country.
Visitors Care
Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.
Global Medical Insurance
A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.
Patriot Multi-Trip Travel Medical Insurance
Annual multi-trip travel medical insurance for individuals, families and groups.
UnitedHealthcare Dental Plans
Dental insurance options with coverage for routine preventive dental care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.
UnitedHealthcare Vision Plans
Vision insurance with coverage for routine preventive vision care for individuals and families visiting the U.S. Underwritten by Golden Rule Insurance Company.
Give us a call
Have any questions?
We’re here to help you!
866-263-0669
Is Visitor Insurance Required in the U.S.?
Visitor insurance is not required to travel to the U.S. on a B-2 visa. However, healthcare costs in the U.S. are often higher than those in other countries, so not having the proper coverage could leave you to pay thousands of dollars for any necessary medical care.
Purchasing visitor insurance is also a very simple process as no medical exam or medical history review is necessary to get coverage. These plans are designed to protect you from unexpected illnesses or injuries that occur while you are traveling, thus your past health history is not needed.
For answers to any other visitor insurance questions, check out our Visitor Insurance FAQs.
How Much Does Visitors Insurance Cost?
Coverage starts at a few dollars per day and increases depending on age and coverage options
IMG’s most popular visitor insurance plan, Patriot America Plus, offers excellent coverage at a competitive price. There are also other product tiers that vary in price depending on your budget and level of benefits. Patriot Platinum Insurance provides the highest level of coverage, while Visitors Care provides a lower priced option with limited benefits. Or you can choose your own visitor insurance plan.
Factors that Determine Cost
The cost of a visitor health insurance plan varies based on many factors, including:
Age of Traveler
Old and young visitors alike can find a visitor insurance plan that fits their needs. While premiums become more expensive for older travelers due to increasing risks of health problems, there are still many varying price levels available to fit in your budget.
Area of Coverage
Visiting the United States will result in a higher premium than if traveling to another part of the world due to the high costs of medical care in the country.
Duration
View the breakdown of daily and monthly rates in the Patriot America Plus brochureto get a better idea of how much you can expect to spend for coverage during your trip. For any trip longer than a year, you may also want to explore our international health insurance options.
Coverage Level
Higher maximum limits and lower deductibles will increase your plan costs. Consider how much you could afford in addition to your deductible if something unexpected were to happen while you’re away when choosing the right options for you.
What Does Visitor Health Insurance Cover?
Depending on the visitor insurance plan purchased, some of the key benefits provided can include:
Emergency Evacuation
In the event of an emergency medical evacuation, coverage provides evacuation to the nearest qualified medical facility and expenses for reasonable transportation resulting from the evacuation.
Medical Expenses
Coverage for medically necessary expenses resulting from new or unexpected injuries or illnesses including local ambulance, intensive care, emergency room, and more, if needed.
Return of Mortal Remains
Should a covered illness or injury unfortunately result in death, this benefit provides coverage for repatriation of bodily remains or ashes to your home country; or for the preparation, local burial or cremation of your mortal remains, at the place of death.
Pre-Existing Condition Coverage (Varies by Plan)
Visitors Protect provides pre-existing condition coverage for gradually developing conditions or those becoming worse over time. Patriot America Plus and Patriot America Platinum provide coverage for acute onset of pre-existing conditions in the event of a sudden and unexpected outbreak or recurrence of a pre-existing condition.
*This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
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Frequently Asked Questions
Are pre-existing conditions covered?
Our Visitors Protect plan offers coverage for pre-existing conditions that gradually develop or worsen over time (such as diabetes or high blood pressure). This plan is designed specifically for individuals and families traveling from their home country to the United States, Canada, and Mexico. For more information, view the full Visitors Protect benefits table.
Other IMG international travel medical plans may cover “Acute Onset of Pre-Existing Conditions.” This is different than a more traditional definition of “Pre-Existing Conditions.” Patriot America Plus, Patriot America Platinum, Patriot International, and Visitors Care plans cover acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan. Here is our definition of what would be considered an acute onset of a pre-existing condition (according to a sample insurance plan from October 2022):
A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew or reasonably foresaw he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.
Can I purchase visitors insurance for my relatives?
Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.
Does my credit card or domestic medical insurance policy cover my travel expenses?
It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.
I am a non-U.S. citizen that will be traveling to the U.S. temporarily. Do I need PPACA coverage?
IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:
- Individuals not residing in the U.S.
- Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
- Individuals with a coverage gap of less than 3 months
- Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
- Individuals with a religious conscience exemption (applies only to certain faiths)
- Members of a health care sharing ministry
- Incarcerated individuals
- Individuals with income below the tax filing threshold; and
- Members of Indian tribes
You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan.
In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.
However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.
What is the Patient Protection and Affordable Care Act? (PPACA)
The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.
The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.
As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.
Am I getting the best deal on these plans?
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
My family is planning a visit. When should visitors to the U.S. purchase international insurance?
Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.
I already have health insurance. Why would I need Visitor Insurance in the U.S.?
If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit.
How long does it take to process my application and receive my ID card and other documents?
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
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Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
Travel Insurance
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