The Visitors Protect plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions. The coverage duration available is from 90 days to 365 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 75% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 60% of eligible medical expenses up to the policy maximum.

Key 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
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

International Medical Group

Plan Underwriter

Sirius Point

Plan Rating

A.M. Best Rating: A

Plan Category

Travel Medical Insurance

Plan Type

Comprehensive Coverage

PPO Network

United Healthcare PPO Network

Plan Eligibility


For visitors traveling to the United States

Age for Coverage

For ages 14 days to 99 years

Coverage Duration

Coverage for a minimum of 90 days up to 365 days


Not Extendable

Policy Maximum, Deductibles & Medical Coverage Limits

Period of Coverage

90 days up to 12 months

Period of Coverage per Injury or Illness Maximum Limit

Through age 69: $50,000, $100,000 or $250,000
Ages 70 and older: $50,000

Area of Coverage

United States including Canada and Mexico

Per Injury or Illness Deductible

$250, $500, $1,000, $2,500 or $5,000 per Insured Person, as indicated on the Declaration

Coinsurance In addition to Deductible

In Network: Plan pays 75% ; Insured pays 25%
Out of Network: Plan pays 60% ; Insured pays 40%

Pre-Existing Conditions

Pre-Existing Conditions

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

In-Patient/Out-Patient Services
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary
Limits per Period of Coverage unless stated as Maximum Limit

Physician Visits / Services

In-Network:75%; Out-of-Network:60%

Urgent Care Clinic

Not subject to Deductible and Coinsurance
In-Network Copayment: $25
Out-of-Network Copayment: $50
In-Network:100%; Out-of-Network:100%

Intensive Care

In-Network:75%; Out-of-Network:60%


In-Network:75%; Out-of-Network:60%


In-Network:75%; Out-of-Network:60%

Emergency Coverage

Emergency Local Ambulance

Subject to Deductible and Coinsurance
Illness resulting in an Inpatient Hospital
In-Network : 75%; Out-of-Network:60%

Emergency Medical Evacuation

Maximum Limit: $25,000
Approved in advance and coordinated by the Company
In-Network : 100%; Out-of-Network:100%

Dental Coverage

Dental Coverage

Subject to Deductible and Coinsurance
Limit: $300 (Unexpected pain or Treatment due to an Accident)
In Network: 75%; Out-of-Network:60%

Travel Coverage

Emergency Reunion

Maximum Limit: $100,000
Maximum days: 15
Meal maximum per day: $25
Reasonable and necessary travel costs and accommodations
Approved in advance by the Company
In-Network : 100%; Out-of-Network:100%

Return of Minor Children

Maximum Limit: $100,000
Approved in advance by the Company
In-Network : 100%; Out-of-Network:100%

Visitors Protect FAQs

Any traveler visiting the U.S, Canada, or Mexico can purchase the Visitors Protect plan. The plan offers coverage for those 14 days up to 99 years of age. The Visitors Protect plan provides travel medical coverage with limited pre-existing condition benefits.Please Note: Purchase must be done before departing the country of residence if your destination is the U.S.

The Visitors Protect plan can cover for worsening of a pre-existing condition up to the stated amount on the policy document. For those up to the age of 69, pre-existing conditions are covered up to $25,000. For those ages 70 and older, pre-existing conditions are covered up to $20,000. Please review the policy terms and conditions for any additional limits or exclusions.

The PPO network associated with Visitors Protect is United Healthcare.

You can search for doctors and hospitals in this Provider Directory.

The Visitors Protect plan is not extendable or renewable.

Yes, you can cancel and get a refund for the Visitors Protect plan, if you need to go back earlier than planned. The following rules apply:

Written request is required for any cancellation.
If you cancel before the start date, you would get the full refund back.
If you cancel after the policy start date, a prorated refund would only apply to policies with no claims.
Refunds will be calculated based on the number of days remaining minus the ninety (90) day minimum purchase requirement
$50 cancellation fee applies.
If there is any claim on file, you would not get any refund back.

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