Visitors Care^SM   travel medical insurance

Incidental Home Country Coverage - During the Period of Coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their country of residence, b. The total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling.

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1. Coverage and benefits are subject to the applicable deductible and Scheduled limits, and the other terms of the plan as contained in the complete Policy Wording.
2. Coverage under the plan is secondary to any other coverage.
3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
4. Charges must be administered or ordered by a physician.
5. Charges must be incurred during the Period of Coverage.
6. Claims must be presented to IMG for payment within the Period of Coverage or during the three months immediately following the Period of Coverage.

Charges for the following services, treatments and/or conditions are excluded from coverage under the Visitors Care plan. 
1. Pre-existing Conditions. Charges resulting directly or indirectly from any Pre-existing Condition, defined as any Injury, Illness, sickness, disease, or other physical or medical disorder or ailment that existed at the time of Application or at any time during the three years prior to the effective date of this insurance, whether or not previously manifested or symptomatic, diagnosed or treated, including any subsequent, chronic or recurring complications or consequences related thereto or arising there from.
2. Heart disease, cancer, and stroke - Charges resulting directly or indirectly from heart and blood circulatory disorders including without limitation arteriosclerosis and ischemic cardiovascular disease; cancer, tumor, and stroke or central nervous system hypoxia; and including any subsequent chronic or recurring complications or consequences related thereto or arising there from.
3. Treatment or surgeries which are elective, investigational,  experimental or for research purposes. 
4. War, political insurrection, protest, or any act thereof.
5. Immunizations and routine physical exams.
6. Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
7. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
8. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
9. Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guide are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation ( except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreation downhill and/or cross country snow skiing( no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked in-bound territories; and/or against the advice of the local authoritative body), racing of any kind including by horse, motor vehicle ( of any type), or motorcycle, spelunking, and sub aqua pursuits involving underwater breathing apparatus. 
10. Vision or ear tests and the provision of visual or hearing aids.
11. Vocational, recreational, speech or music therapy.
12. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
13. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations. 
14. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
15. Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
16. Willful self-inflicted injury or illness.
17. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
18. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
19. Treatment for mental and nervous disorders. 
20. Organ or tissue transplants or related services.
21. Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as provided for herein.
22. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).