Buy IMG Immigrant Health Insurance plans

Compare and buy IMG Immigrants health insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date

What does US Immigrant travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

IMG plans offering Immigrant insurance plans for new immigrants in the US

  • Visitors Care insurance Eligibility
    • Non US citizens travelling outside their home country.
    • For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • Renewability
    • Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.
  • Visitors Care Insurance International Emergency Care
    • Emergency Evacuation
      Visitors Care Lite, Plus & Platinum - $25,000
    • Return of Mortal Remains or Cremation/Burial
      Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.
  • Visitors Care Insurance Special Coverage
    • Incidental Home Country Coverage
      During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
    • Common Carrier Acciental Death Coverage
      $25,000.

Patriot America Lite

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  • Eligibility to buy Patriot America Lite insurance
    • People travelling outside their home country whose destination includes the US and its territories.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past six months and they must have a current health plan in force.
    • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips.
    • This plan can be renewed for up to 2 years.
  • Patriot America Lite Visitor insurance renewal
    • Patriot America Lite visitor insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Coinsurance of IMG Patriot America Lite Insurance
    • For treatment received outside the U.S: No coinsurance
    • For treatment received within the U.S:
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Lite Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider

Patriot America Plus

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  • Patriot America Plus insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Patriot America Plus Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
  • Coinsurance of IMG Patriot America Plus Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation

Patriot International Lite

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  • Eligibility to buy Patriot International Lite insurance
    • People outside their home country whose destination excludes the United States or its territories.
    • This plan can be renewed up to 24 months.
  • Renewability - Patriot International Lite insurance renewability
    • Patriot International Lite insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Patriot International Lite Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
  • Patriot International Lite insurance coverage for Acute onset of a pre-existing condition
    • Covers up to maximum limit, under the age of 70 years.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Up to $25,000 maximum limit for up to age 70.

IMG Immigrant Insurance - Frequently Asked Questions

01. Why do immigrants need US immigrant insurance?
  • It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
  • There is a waiting period till new US immigrants are eligible for Medicare or to purchase domestic health insurance. Immigrants can however buy new US immigrant insurance plans as an interim coverage.
02. Can a US immigrant get health insurance?

Yes, there is immigrant health insurance, or health insurance for permanent residents available. However it must be noted that domestic US medical insurance for Green card holders including Medicare and Medicaid have a waiting period of five years. US immigrants are eligible for Medicaid coverage only if they satisfy the resident state’s income or residency rules.

It is important to buy temporary US immigrant health insurance till Green card holders become eligible for domestic insurance plans. The visitor health insurance plans that we offer also work very well as health insurance while waiting for Green card. Given the high cost of US health care, it is very important to have health insurance for elderly immigrant parents and medical insurance for Green card holders even before they become eligible for domestic US plans

03. Which is the most affordable plan offered by International medical group?

Visitors Care is a fixed benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

04. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

05. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

IMG travel insurance features

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IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine


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