Outreach America offers comprehensive short-term medical insurance for international travelers visiting the United States or its territories. This plan provides coverage for unexpected medical expenses during your stay, including illness, injury, doctor visits, hospitalization, and emergency medical services.
The plan is underwritten by a highly rated insurance company with an A- (Excellent) rating by A.M. Best, reflecting strong financial stability and reliability in claims handling.
Outreach America is a popular choice among visitors to the U.S. seeking flexible and affordable medical coverage for short stays, offering peace of mind while traveling abroad.
Outreach America is a comprehensive short-term travel medical insurance plan designed for non-U.S. residents traveling to the United States. Best suited for missionaries, volunteers, tourists, family visitors, and business travelers who want reliable, affordable medical protection.
Key Benefits :After buying the plan, Travelers can access their Outreach America ID card and all the plan documents by using Outreach America login. At American Visitor Insurance, US Travelers can contact the Outreach America insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
The policy maximum amount of coverage is the total dollar amount of benefits available under the Outreach America plan. Once the maximum is reached, no additional benefits will be paid. Available coverage options are $50,000, $100,000, $250,000, $500,000, $1,000,000
Outreach America Insurance is a budget-friendly travel medical insurance plan designed for non-U.S. residents visiting the United States. It is administered by IMG (International Medical Group) and underwritten by Sirius International Insurance Corporation , rated A- (Excellent) by A.M. Best, ensuring financial stability and reliable claims processing. This plan is best for short-term visitors, students, parents, and business travelers who need essential medical protection in the U.S. Here are the key reasons to choose Outreach America Insurance:
The Outreach America Insurance Plan is designed for individuals traveling outside their home country who need temporary travel medical coverage. It is an ideal choice for international visitors, tourists, business travelers, and families seeking affordable protection against unexpected medical expenses during their trip.
You may be eligible for the Outreach America Insurance Plan if you:The Outreach America insurance cost per month is starting at just $45 per month. Your premium depends on several factors, including the traveler's age, the selected policy maximum, and the deductible amount. In general, older travelers pay higher premiums due to increased medical risk, while choosing a higher deductible can help reduce the monthly cost.
For Example here we are showing cost for seniors per month with deductible of $250.
| Age of traveler | Medical maximum $50,000 | Medical maximum $100,000 | Medical maximum $500,000 | Medical maximum $1,000,000 |
|---|---|---|---|---|
| 18–29 years | $45 | $56 | $72 | $86 |
| 30–39 years | $59 | $75 | $93 | $109 |
| 40–49 years | $88 | $107 | $143 | $159 |
| 50–59 years | $135 | $173 | $212 | $244 |
| 60–64 years | $169 | $220 | $261 | $314 |
| 65–69 years | $220 | $299 | $324 | $386 |
| 70–79 years | $297 | Not available | ||
For senior travelers aged 80 - 99: $517/month for $10,000 coverage with $250 deductible.
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory help | Up to the maximum limit |
| Chemotherapy / Radiation Therapy help | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery help | Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended Care Facility help | Up to the maximum limit (upon direct transfer from an acute care facility) |
| Emergency eye examination help | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) |
| Eligible Medical Expenses | Up to the maximum limit |
| Hospital room and board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physician visits help | Physician visits or services: Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Surgery help | Up to the maximum limit |
| Intensive care unit help | Up to the overall maximum limit. |
| Durable medical equipment help | Up to the maximum limit |
| Dental Treatment help | Dental Treatment - Accident: $100 Limit Treatment due to an Accidental Injury and obtained at a Dental Provider’s office |
| Prescription Drugs and Medications help | Up to the plan maximum limit Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits Dispensing maximum for Retail Pharmacy: 90 days per prescription |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| Hospital emergency room help | Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Physician visits help | Up to the maximum limit |
| Sports & Activities Coverage | Up to the Maximum Limit for basic sports (non-organized, non-contact, and non-collision activities) |
| Hospital Indemnity | $100 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible. |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to $1,000,000 |
| Return of mortal remains or cremation/burial help | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20k maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment help | $25,000 principal sum. Not subject to deductible |
| Personal liability help | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property |
| Pet return help | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death help | $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) |
| Return travel help | $10,000 maximum limit. Not subject to deductible |
| Identity theft help | $500 maximum limit. Not subject to deductible |
| Common carrier accidental death help | $50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible. |
| Trip Interruption | Up to $5,000. Not subject to deductible. |
| Incidental Trip | 14 day maximum |
| Lost luggage help | Limit $250, $50 maximum per item |
| Telehealth | Optional add-on available |
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (available on group plans)
The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
Mobile Device Protection - More Details
Bolt Device Protection - More Details
*Rider option is available in select countries on individual plans only.
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. If you are preventedfrom taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
**Rider option is available on individual plansfor U.S. residents only.
Insured Person meets the eligibility requirements, they are eligible for this rider
| Benefit | Limits |
|---|---|
| Teladoc Consultation | Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
Find Provider NetworkYes Outreach America insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Outreach America insurance within a 6 month time period after arriving in the US.
Yes Outreach America Insurance is available up to a maximum of 364 days. Visitors to USA can renew Outreach America insurance online to extend their coverage.
With your Outreach America insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.
Yes, the IMG Outreach America Insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes. The plan provides basic coverage and benefits for travelers who want an affordable protection. It covers eligible medical expenses, emergency medical evacuation, repatriation, acute onset of pre-existing conditions, and more. It also offers flexible options for deductibles and maximum limits, ranging from $0 to $25K and from $50K to $2M respectively.
Maximum limit is the cumulative total currency amount of benefit payments available to the insured under this insurance. Once reached, no further benefits will be available under this insurance.
Outreach America Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: customercare@imglobal.com
1-800-628-4664
Mail to International Medical Group, PO Box 240429,
Apple Valley, MN 55124, USA.
