Visitors Protect from IMG – Travel Insurance for a Pre-Existing Condition
Without medical insurance, international travel can be very risky. Most travelers assume their standard medical plan covers them, but it may not. If you have pre-existing medical conditions, it makes things even more complicated.
Most domestic health insurance plans don’t cover international travel. Avoid medical coverage uncertainty with a proper international travel insurance plan.
- Most travel insurance plans are designed to cover any new sickness or illness
- USA Visitors need Coverage for any medical treatment they may need in the country
- Parents visiting USA to meet their children may need coverage for pre-existing medical conditions.
- Healthcare in the USA is very expensive
Visitors Protect covers foreign visitors to the U.S., Canada, and Mexico. This temporary travel medical insurance covers pre-existing conditions, so you can relax and enjoy your international trip.
Visitors Protect is a plan from the International Medical Group (IMG), a well-known and reputed travel insurance provider.
Let us look at this travel insurance plan in detail and understand its advantages, scope, exclusions, and cost.
Table of Content:
- About Visitors Protect Insurance
- Visitors Protect Travel Insurance Plan – Key Highlights
- What are the eligibility criteria for Visitors Protect Insurance
- Benefits of Visitors Protect Insurance
- Other Coverage Offered by Visitors Protect Insurance
- What are Pre-Existing Conditions? Is Pre-Existing Condition Coverage provided by Visitors Protect Insurance?
- Exclusions of Visitors Protect Insurance
- Pricing of Visitors Protect Insurance
- About the Insurance company of Visitors Protect Insurance – IMG
- Key Takeaways
- FAQ Section
- Conclusion
About Visitors Protect Insurance
The Visitors Protect plan is designed exclusively for people making international trips to the United States, Canada, and Mexico.
If you have your parents or a family member coming to visit you in the USA you may want to buy travel insurance coverage for them and this plan should be considered. If your family member has pre-existing medical conditions the plan will cover them.
Since this plan covers Pre-existing conditions it will allow the visitor to focus more on enjoying their time abroad and less on worrying about their health care.
Visitors Protect Travel Insurance is a product from International Medical Group (IMG), a reputed insurance company and a specialist international travel insurance provider.
Visitors Protect Travel Insurance Plan – Key Highlights
There are very limited options in the marketplace for travel insurance plans that cover pre-existing medical conditions. Visitors Protect is an exceptional plan from this perspective, here are some key highlights of this travel insurance plan:
- Short-Term Travel Medical Insurance for USA, Canada, and Mexico
- Travel Insurance Coverage for pre-existing medical conditions
- Travel Insurance Coverage for individuals and their dependents
- Freedom to seek treatment with a hospital or a doctor of your choice
- Good Travel Insurance option for parents visiting the USA
- Age-limit for medical coverage is from 14 days to 99 years
- Covers Covid-19 like any other covered medical condition
Pre-Existing Medical Condition, Alternative Travel Insurance provider
At OnshoreKare we provide a choice to international travelers for pre-existing medical condition coverage.
What is the Eligibility Criteria for Visitors Protect Insurance?
Visitors to the United States, Canada, and Mexico looking for travel insurance coverage can purchase Visitors Protect insurance.
You must enter your destination country lawfully on the effective date of coverage and pay the applicable premium on or before that date.
Visitors Protect Eligibility:
- Get visitors coverage for the USA, Canada, and Mexico
- Age Limit from 14 days to 99 years
- Travel Insurance Coverage for a minimum of 90 days to a maximum of 365 days
- This travel insurance plan is not extendable
- This travel insurance plan must be purchased before departing from your home country if you are traveling to the USA
Visitors Protect – Restriction to Buy Travel Insurance
Those with a primary residence or citizenship in the following countries will not be able to buy this travel insurance:
- Botswana (BWA), Canada (CAN), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Mexico (MEX), Niger (NER), Nigeria (NGA), North Korea (PRK), Pakistan (PAK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States of America (USA).
Those with citizenship of the following countries wanting to buy health insurance for the USA cannot buy this travel insurance plan:
- Niger (NER), Nigeria (NGA), Puerto Rico (PRI), and Sierra Leone (SLE)
Purchasing travel insurance plan from the following U.S. states and territories are excluded for this product:
- Maryland (MD) and New York (NY)
Please Note: these are purchase restrictions only for these 2 US States. Coverage under this travel insurance policy continues even while tourists are visiting and staying in these states in the USA.
Benefits of Visitors Protect Insurance
Visitors Protect is a Comprehensive Coverage Plan, some of the benefits of Visitors Protect Travel Insurance are:
- Pre-Existing medical conditions coverage
- Covid-19 Coverage
- Provides Medical Coverage during travel
- Emergency Medical Evacuation coverage
- Urgent Care Visits Covered
- Emergency Room Services
- Prescription Medication Covered
- United Healthcare PPO Network
- Travel Insurance Plan pays for eligible medical treatment & expenses:
- After the Deductible, this travel insurance pays 75% within PPO
- After the Deductible, this travel insurance pays 60% of URC outside the PPO network
Read the travel insurance policy document carefully before you buy health insurance to know all the details, inclusions, and exclusions. Limits apply for pre-existing medical conditions coverage.
Coverage Offered by Visitors Protect Insurance
Medical Coverage:
Policy Maximum Options Per Injury or Illness are:
Through Age 69:
- $50,000 | $100,00 | $250,000
Age 70 and older:
- $50,000
The policy maximum limits may vary by the age of the traveler and/or destination.
Deductible Options available are:
- $250 | $500 | $1,000 | $2,500 | $5,000
The deductible limits may vary by the age of the traveler and/or destination.
Eligible Medical Expenses: In-Network 75% of policy maximum and Out-Network 60% of policy maximum
Emergency Coverage:
- Emergency Evacuation: Emergency medical evacuation coverage up to $25,000
- Return of Mortal Remains: Up to $25,000
- AD&D (Accidental Death & Dismemberment): Up to $25,000
What are Pre Existing Conditions? Is Pre-Existing Condition coverage provided by Visitors Protect Insurance?
What is considered pre-existing medical conditions?
A pre-existing condition is a medical condition or health problem that an insured person has had before the policy’s effective date and for which they have received treatment or are currently taking medication.
Each Insurance company has its own definition and look-back period when it comes to pre-existing medical conditions, it’s good to refer to the explanation in the policy document before you buy a travel insurance plan.
Do Visitors Protect Travel insurance provide coverage for pre-existing medical conditions?
Yes, Visitors Protect Travel insurance provides coverage for a pre-existing medical condition as defined in the policy terms and conditions:
- Up to age 69 the coverage is up to $25,000 for pre-existing medical conditions
- For ages 70 and above the coverage is up to $20,000 for pre-existing medical conditions
Please note that there is no coverage provided for the acute onset of a pre-existing medical condition.
When choosing travel medical Insurance for parents with pre-existing medical conditions, it is important to consider their insurance needs and any pre-existing condition they may have.
Exclusions of Visitors Protect Insurance – Pre-Existing medical condition Coverage Plan
(1) ECONOMIC SANCTIONS: The Company will not cover any person as an Insured Person if such cover would expose the Company to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union, UK, or US.
(2) WAR; MILITARY ACTION: The Company shall not be liable for and will not provide coverage or benefits for any claim or Charges incurred with respect to any Illness, Injury, death, and dismemberment, or other consequence, whether directly or indirectly, proximately or remotely occasioned, contributed to, or traceable to any of the following acts or occurrences: war, invasion, foreign enemy hostilities, warlike operations (whether declared or not), or civil war
(b) Mutiny, riot, strike, military or popular uprising, insurgency, rebellion, revolution, military or usurped power
(c) Any act of any person acting on behalf of or in connection with any organization with activities aimed at overthrowing the government by force or influencing it by violence of any kind.
(d) Martial law or state of siege or any events or causes that determine its proclamation or maintenance.
(e) Any use of radiological, chemical, nuclear, or biological weapons or events (including terrorism).
Any claim, Charges, Illness, Injury, or other consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said occurrences shall be deemed and considered to be consequences for which the Company shall not be liable under the Master Policy or this Certificate, except to the
(3) TERRORISM: The Company shall not be liable for and will not provide coverage or benefits for any claim or Charges, Illness, Injury, or other consequence, whether directly or indirectly, proximately or remotely caused by, contributed to by, or traceable to any act of terrorism. The Company shall not be liable for and will not provide coverage or benefits for any claim, Charges, Illness, Injury, or other consequence, whether directly or indirectly, proximately or remotely caused by, contributed to by, or traceable to the following:
(a) The Insured Person’s active and voluntary planning, coordination, or participation in terrorism.
(b) Any act of terrorism that occurs in a location, post, area, territory, or country for which a Travel Warning or Emergency Travel Advisory was issued or in effect on or within six months of the Insured Person’s arrival.
(c) Any act of Terrorism that takes place in a location, post, area, territory, or country for which a Travel Warning or Emergency Travel Advisory becomes effective or is in effect on or after the Insured Person’s date of arrival, and the Insured Person unreasonably fails or refuses to heed such warning and remains in said location.
(4) MATERNITY AND NEWBORN CARE: This travel insurance plan does not cover pre-natal, delivery, post-natal, or newborn care, including complications of pregnancy, miscarriage, delivery, or newborns.
(5) This travel insurance does not cover mental or nervous disorder treatment.
(6) This travel insurance does not cover routine physical exams or immunizations.
(7) Treatment or supply costs:
(a) Not incurred, obtained, or received by an Insured Person during Coverage.
(b) Not presented to the Company for payment by way of a completed Proof of Claim within 180 days of incurred Charges.
(c) Unprescribed by a doctor
(d) Unnecessary for diagnosing, treating, or managing the physical condition. If the attending physician prescribes, recommends, or approves, this applies.
(e) Free or not otherwise liable to the Insured Person
(f) Excessive
(g) Hospice Care
(h) Incurred by an Insured Person who was HIV+ on or before the Initial Effective Date of this insurance, whether or not they knew their HIV status before the Effective Date, and whether or not the Charges are related to or as a result of said status. This exclusion includes charges for any treatment or supplies relating to or arising or resulting directly or indirectly from HIV, AIDS virus, AIDS-related illness, ARC Syndrome, AIDS, and/or any other illness resulting from any complications or consequences of any of the foregoing conditions.
(i) Provided by a chiropractor unless ordered by a physician.
(j) By a relative of the insured
(k) Excluded from ELIGIBLE MEDICAL EXPENSES
(l) Provided by an Insured Person’s resident or former resident.
(m) Required or recommended due to complications or consequences of any Treatment, Illness, Injury, or supply received prior to coverage under this insurance or that is excluded from coverage or otherwise not covered under this insurance.
(n) For Congenital Disorders and their consequences
(8) Missed appointment fees
(9) Telehealth or telemedicine services not considered Medically Necessary by the Company under the plan
(10) Costs of experimental, research-related surgeries, treatments, and supplies
(11) Charges for genetic medicine, genetic testing, surveillance testing, and wellness screening procedures for genetically predisposed conditions indicated by genetic medicine or genetic testing, including amniocentesis, drugs, recombinant adeno-associated virus vector-based gene therapy, and other Medication Treatments associated with diagnoses related to genetic testing and discovery, genetic screening, risk assessment, preventive care, and genetic screening.
(12) Mental ability, intelligence, aptitude, personality, and stress management testing costs. Psychometric, behavioral, and educational testing are possible.
(13) Custodial Care Fees
(14) Charges for Educational or Rehabilitative Care that trains or retrains an Insured Person to function normally. Counseling, occupational therapy, speech therapy, and job or vocational training may be provided.
(15) Charges for weight modification or an inpatient, outpatient, surgical, or other treatment of obesity (including morbid obesity), including wiring of the teeth and all forms or procedures of bariatric surgery by whatever name, or reversal thereof, including intestinal bypass, gastric bypass, gastric banding, vertical banded gastroplasty, biliopancreatic diversion, duodenal switch, or stomach reduction.
(16) Charges for body modification to change or improve the Insured Person’s physical appearance or psychological, mental, or emotional well-being (such as sex-change surgery or sexual performance enhancement surgery)
(17) Cosmetic or aesthetic charges or treatment, except for reconstructive surgery that is medically necessary and directly related to and follows a surgery covered under this insurance.
(18) Any elective procedure
(19) Charges for any treatment or supply that promotes or prevents conception, insemination (natural or otherwise), or birth, including artificial insemination, oral contraceptives, treatment for infertility or impotency, vasectomy, reversal of vasectomy, sterilization, reversal of sterilization, surrogacy, or abortion.
(20) Charges for any treatment or supply that promotes, enhances, or corrects impotence or sexual dysfunction.
(21) Any illness or injury sustained while participating in, practicing, or training for Amateur Athletics, Professional Athletics, or athletic activities sponsored by any Governing Body or Authority, including the National Collegiate Athletic Association, any other collegiate sanctioning body, or the International Olympic Committee.
(22) Any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing
(23) Any Illness or Injury sustained while taking part in activities designated as Extreme Sports, which include but are in no way limited to the following (and include any combination or derivative of the following): BASE jumping; cave diving; cliff diving; downhill mountain biking and racing; extreme skiing; freediving; free flying; free running; free skiing; freestyle scootering; gliding; heli-skiing; ice canoeing; ice climbing; kitesurfing; mixed martial arts; motocross; motorcycle racing; motor rally; mountaineering or trekking above an elevation of 4500 meters from ground level; parkour; piloting a commercial or noncommercial aircraft; powerbocking; scuba diving or sub aqua pursuits below a depth of 40 meters; snowmobile racing; truck racing; whitewater kayaking or whitewater rafting Class VI and higher difficulty; and wingsuit flying
(24) Any Illness or Injury sustained while snow skiing, snowboarding, or snowmobiling in violation of ski resort laws, rules, or regulations, out of bounds, or in unmarked or unpatrolled areas.
(25) Backcountry skiing-related illness or injury
(26) Off-piste skiing-related illness or injury
(27) Collision Sports-related illness or injury
(28) Any Illness or Injury sustained while participating in athletic or recreational activities if the Insured Person is not physically or medically fit or qualified to participate.
(29) Any illness or injury sustained while participating in any sporting, recreational, or adventure activity against the advice or direction of any local authority or qualified instructor or contrary to the rules, recommendations, and procedures of a recognized Governing Body for the sport or activity
(30) Any illness or injury sustained while participating in any activity in disregard of or against the recommendations, Treatment programs, or medical advice of a physician or other healthcare provider.
(31) Any injury or illness caused by alcohol, liquor, intoxicating substances, narcotics, or drugs other than those prescribed and directed by a physician but not for substance abuse.
(32) Any Injury or Illness sustained while operating a moving vehicle after consuming intoxicating liquor or drugs in excess of the blood/alcohol legal limit, other than drugs prescribed and directed by a physician. This exclusion applies to motorized devices, including watercraft and aircraft, and non-motorized bicycles and scooters that do not require a permit or license.
(33) Intentional self-harm
(34) Any sexually transmitted disease
(35) Non-medical testing for HIV, seropositivity to the AIDS virus, AIDS-related illnesses, ARC Syndrome, and AIDS.
(36) Any Illness or Injury caused by the Insured Person’s violation of law, including illegal occupation or act, but excluding minor traffic violations.
(37) Any Drug Abuse
(38) Biofeedback, acupuncture, music, occupational, recreational, sleep, speech, or vocational therapy orthoptics, visual therapy, or eye training
(40) Any non-surgical illness or treatment of the feet, including orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable, or unbalanced feet, metatarsalgia, bone spurs, hammer toes, bunions, corns, calluses, or toenails, except as otherwise expressly set forth.
(41) Hair loss, including wigs, hair transplants, and any drug that claims to grow hair, whether prescribed or not.
(42) Sleep disorders, including apnea
(43) Any fitness program or equipment, whether prescribed or recommended by a doctor
(44) Exposure to non-medical nuclear, atomic, or radioactive materials
(45) Organ, tissue, or other transplant services, treatment, or supplies
(46) Artificial or mechanical organ replacement devices after inpatient status.
(47) Transplant donor preservation efforts
(48) Any Illness or Injury incurred in the Destination Country, Affected Area, or Country of Residence as a result of a Public Health Emergency of International Concern, Epidemic, Pandemic, other disease outbreak, or Natural Disaster that may affect an Insured Person’s health, unless coverage is expressly provided under the PUBLIC HEALTH EMERGENCY provision of this insurance. COVID-19/SARS-CoV-2 Charges are not excluded.
(49) Charges for eyeglasses, contact lenses, hearing aids, hearing implants, and related treatment, supply, examination, or fitting, or eye refraction for any reason.
(50) Eye surgery, such as radial keratotomy, to correct nearsightedness, farsightedness, or astigmatism.
(51) Charges for TMJ syndrome, craniomandibular syndrome, chronic TMJ pain, orthognathic surgery, Le-Fort surgery, or splints.
(52) Insured Person’s Home Country Charges
(53) Travel, meals, transportation, and accommodations are not specifically covered by this insurance.
(54) Costs for nonprescription drugs, medicines, vitamins, food extracts, or nutritional supplements; IV vitamin or herbal therapy; drugs or medicines not approved by the FDA or used “off-label”; and drugs or medicines not prescribed by a physician.
(55) Any Illness or Injury Treatment Requiring an Unapproved U.S. FDA medical product, service, surgery, surgical procedure, prescription medication, drug, biological product, Durable Medical Equipment (DME), or device with a U.S. Emergency Use Authorization (EUA). The FDA
(56) Charges incurred at a Hospital or Facility when the Insured Person checks out Against Medical Advice or their Physician and leaves before a Medically Necessary specified endpoint of Treatment.
(57) Charges for the Worsening of an Illness or Injury after the Insured Person left a Hospital or Facility Against Medical Advice or was Discharged.
(58) Any urinary tract infection (including kidney, ureter, bladder, prostate, or urethra) and any complication, medical condition, or other Illness directly or indirectly arising therefrom that occurs within 90 days of the Effective Date of this Insurance and requires hospitalization of the Insured Person.
(59) All charges and costs associated with trips to the Destination Country for medical treatment or supplies
Except as specifically provided hereunder, dental treatment charges
(61) Cavities and chewing on pencils, ice cubes, nuts, popcorn, and hard candies cause tooth wear.
(62) Dental injury without face, skull, neck, or jaw injury that can be evaluated and treated in a dental office
(63) Dental care, including fillings, root canals, tooth removal, and x-rays.
(64) Treatment costs covered by a workers’ compensation or similar law
(65) Massage costs
(66) Accidental Death or Dismemberment when any of the following causes, results in, or contributes to the Insured Person’s death or dismemberment:
(a) physical or mental illness
(b) Infection not caused by the accidental Injury.
This plan’s Border Entry Protection benefit excludes:
(a) The Insured Person is from a country named on any active Executive Order at purchase.
(b) Insured Person is on the US terror watch list
(c) The Insured Person is denied entry to the US upon arrival or en route due to an incorrect visa or any other reason other than an Executive Order.
(d) The Insured Person is denied entry to the US upon arrival or en route because they violated any visa rule, law, condition, or guideline.
(e) The Insured Visits the US for Medical Treatment
(f) If compensated, the Insured Person’s participation in amateur musicals, sports, or similar events or contests.
(g) The Insured Person is in the US for degree-granting studies.
(h) The Insured Person committed a crime en route or upon entry to the US that caused or would have caused them to be deported.
(i) The Insured Person will be repatriated by the US government.
(j) The commercial airline repatriated the Insured Person to the Country of Origin.
(k) The Insured Person has airline air credit. Air Credit will reduce reimbursement if not used.
Before you buy travel insurance always read the policy document for the plan carefully.
About the Insurance company of Visitors Protect Insurance – IMG
International Medical Group (IMG) is amongst the reputed travel insurance companies specializing in providing international travel insurance.
Their travel insurance plans like Patriot America Plus, Patriot Platinum plans are highly popular.
IMG travel insurance company is owned by SiriusPoint, a multi-billion dollar company with A.M. Best Rating of “A” delivers top-quality travel insurance product offerings.
With a Trustpilot rating of 4.6 with over 7,000 reviews
IMG is a prominent travel insurance company
IMG gets ranked as one of the top travel insurance companies in most rankings of travel insurance providers
IMG as a Travel Insurance Company has provided global benefits and assistance services to millions of customers in nearly every country around the world
IMG the travel insurance company through its partnerships with other service providers extends several benefits its customers like:
- Self-Service Member Portal
- Pharmacy Discount Savings
- U.S. Network Access
- International Provider Access
Key Takeaways
- Visitors Protect Travel Insurance is an excellent insurance policy for you and your traveling companion visiting the USA including Canada and Mexico
- This is a good option for those looking to buy travel insurance with pre-Existing Medical Condition Coverage for their parents visiting USA
- This plan offers United Healthcare PPO access in the USA
- Need to buy for a minimum of 90 days to a maximum of 364 days
- Comes with excellent service promise from IMG Travel Insurance Company
- IMG is rated among the best travel insurance companies
- The plan offers a choice to avail treatment from a hospital or a doctor of your choice
FAQ Section
Is high blood pressure a pre-existing medical condition for travel insurance?
Yes, high blood pressure is considered a pre-existing medical condition for travel insurance
Can I get travel insurance for a pre-existing condition?
Yes, it is possible to get travel insurance with a pre-existing medical condition.
Does international health insurance cover pre-existing conditions?
Pre-existing conditions are typically excluded from coverage in international health insurance plans, But some plans may provide benefits for the Acute Onset of Pre-Existing Conditions
What is the waiting period for pre-existing conditions?
The waiting period for pre-existing conditions can vary depending on the travel insurance plan. Some plans provide coverage only if the acute onset occurs after a specified waiting period, which varies from 72 hours to seven days
What is the acute onset of a pre-existing condition?
The acute onset of a pre-existing condition refers to a sudden and unexpected recurrence of a pre-existing medical condition that requires immediate medical attention
What qualifies as a pre-existing condition?
A pre-existing condition is a health problem or medical condition that existed before the start date of a new health coverage or insurance policy
What is the waiver of pre-existing medical condition exclusion?
The waiver of pre-existing medical condition exclusion is a plan provision that waives the exclusion for pre-existing medical conditions in a travel insurance plan. This means you may still be eligible for coverage, for medical issues, related to that coverage, despite the exclusion
Can you buy just medical travel insurance?
Yes, you can buy just medical travel insurance for medical emergencies and unexpected medical costs while traveling abroad
What is an unexpected recurrence of a pre-existing condition?
An unexpected recurrence of a pre-existing condition refers to a sudden and unforeseen flare-up or worsening of a pre-existing medical condition that requires immediate medical attention while traveling
Conclusion
If you have a pre-existing medical condition and are planning to travel, it’s essential to consider purchasing travel insurance that covers your condition. Visitors Protect from IMG is one such travel insurance policy that offers coverage for pre-existing conditions.
Consider purchasing Visitors Protect from IMG or a similar travel insurance policy to protect yourself from unexpected medical expenses and ensure a stress-free trip.
