Visitors Protect

Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Point

Eligibility: Non-US citizens traveling to United States, Canada & Mexico.
Coverage Length: 90 days up to 12 months
Pre-existing conditions: Under Age 70: Up to $25,000 & Age (70 and older): $20,000
Coinsurance (In-Network): Plan pays 75% Insured pays 25%
PPO Network: United Healthcare PPO Network
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Complete details are given in certificate of insurance.

Note: This plan must be purchased prior to departing the Country of Residence, including any future repurchases

Benefits

Age and Policy Maximum	Age 69: $50,000, $100,000 or $250,000 Ages 70 and older: $50,000
Doctor Visit	Covered 75% after decutible is met
Urgent Care	Not subject to Deductible and Coinsurance In-Network Copayment: $25 Out-of-Network Copayment: $50 Covered 100% after deductible is met
Hospital Room and Board	Average semi-private room rate Includes nursing services (It will cover 75% after deductible)
Ambulance	Subject to Deductible and Coinsurance Injury Illness resulting in an Inpatient Hospital admission (It will cover 75% after deductible)
Prescription	It will cover 75% after deductible

Complete details are given in the certificate of insurance.

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Exclusion

Charges or Treatment for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery which was covered under this insurance
Charges incurred for any Treatment or supply that either promotes, enhances or corrects or attempts to promote, enhance or correct impotency or sexual dysfunction
war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war
Telehealth or Telemedicine services not considered Medically Necessary as determined by the Company under the plan
Charges for modification of the physical body in order to change or improve or attempt to change or improve the physical appearance or psychological, mental or emotional well-being of the Insured Person (such as but not limited to sex-change Surgery or Surgery relating to sexual performance or enhancement thereof)

Complete details are given in the certificate of insurance.

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PPO Network

PPO Providers are contracted separately through United States Preferred Provider Organization.

https://providerlocator.firsthealth.com/LocateProvider/SelectNetworkType

Complete details are given in certificate of insurance

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Preexisting Conditions

All claims and related claim information should be filed with the Company through the Plan Administrator at the contact information below, or online at www.imglobal.com/member as soon as possible:
International Medical Group
Attn: Claims Department
PO Box 9162
Farmington Hills, MI 48333-9162
USA

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Cancel

The Insured Person shall have three (3) days from the Initial Effective Date of Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund: (a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. (b) If no claims have been filed with the Company:

a cancellation fee of fifty dollars ($50.00 USD) will be charged
only Premium covering time periods after cancellation are refundable
refunds will be calculated based on the number of days remaining inus the ninety day minimum purchase