Visitors Protect

Detail

Plan Administrator: International Medical Group | Underwriter: SiriusPoint Specialty Insurance Corporation | AM Best Rating: A ‘Excellent’

Coverage Area: Non-US citizens (age 0-99) traveling to USA, Canada or Mexico. Plan must be purchased prior to departing the Country of Residence, including any future repurchases.
Coverage Length: Minimum 90 days up to 12 months.
Pre-existing Condition: $25,000 limit for age 0 to 69. $20,000 limit for age 70 and older. $1,500 per injury or illness deductible for pre-x condition (Plan deductible waived)
Co-Insurance: Inside PPO network in USA: Plan pay 75%, insured pay 25%. Outside PPO network in USA: Plan pays 60%, insured pay 40%.
PPO Network: United Healthcare Network & First Health Network.
ID Card: Link comes in email to download.

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Benefits

Doctor Visit: After deductible and coinsurance, plan pay up to policy maximum for eligible expense.
Urgent Care: In-network copayment of $25. Out-of-network copayment of $50. Not subject to deductible & coinsurance. 100% paid by plan about copayment.
Hospital Room & Board: After deductible and coinsurance, plan pay up to policy maximum for eligible expense for average semi-private room including nursing services.
Prescription After deductible and coinsurance, plan pay up to policy maximum for eligible expense.

Complete details are given in the certificate of insurance.

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Exclusion

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor.

MATERNITY AND NEWBORN CARE: Charges for pre-natal care, delivery, post-natal care, and care of Newborns, including complications of Pregnancy, miscarriage, complications of delivery and/or of Newborns are excluded from this insurance, except as otherwise expressly provided for hereunder
PREVENTATIVE CARE: Charges for Routine Physical Examinations and immunizations are excluded from coverage under this insurance.
Charges incurred for failure to keep a scheduled appointment.

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 may request cancellation via the MyIMG customer portal or sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
If no claims have been filed with the Company:

a cancellation fee of fifty dollars ($50.00 USD) will be charged, regardless of the reason for cancellation
any refund amount that is less than the cancellation fee is non-refundable; and
only Premium covering time periods after the requested cancellation date are refundable
refunds will be calculated based on the number of days remaining minus the ninety (90) day minimum purchase requirement

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Claims

When the Insured Person receives Treatment or the Company receives notice of a claim for benefits under this insurance, the Insured Person shall submit an International Medical Group (IMG) Claim Form as a necessary component of the Proof of Claim. An IMG Claim Form may be completed online via the MyIMG customer portal at www.imglobal.com/member or obtained by contacting the Company.

The Insured Person and/or Physician, Hospital and other healthcare and medical service providers and suppliers shall have one hundred eighty (180) days from the date a claim is incurred to submit a complete Proof of Claim.