If you’re getting ready to bring your parents to the U.S. to visit, or if you have family or friends planning a trip to the United States, you may want to check out this visitor travel insurance group-buy offer provided by 恒晟保险.

How do I join the group buy?

Friends who want to take part can sign up in the following ways:

  1. Scan the QR code in the article or event poster and add the WeChat account "美卡 101 小助手";
  2. When adding WeChat, please note: 保险团购加群;
  3. Sign up directly in the group, or message the assistant privately to register.
  4. Once the group-buy minimum is reached, we will contact registered users as a group to help assess needs, compare plans, obtain quotes, and complete enrollment.
  5. After the insurance purchase is completed and the discount requirements are met, we will rebate the discounted portion in the form of Amazon gift cards.

Discount tiers

This group-buy offer provides different discount tiers based on the final number of sign-ups:

  • 5 people: 5% off
  • 10 people: 10% off

Important notes

  • The group-buy discount is based on the final number of policies successfully issued;
  • The discounted portion will be returned in the form of Amazon gift cards;
  • The registration deadline for this promotion is September 30, 2026;
  • Prices may vary depending on age, trip length, coverage amount, and deductible;
  • Submitting registration information does not mean the insurance is already in force; the effective date is subject to the final policy;
  • The exact scope of coverage, exclusions, and claim conditions are subject to the insurer's final contract and policy terms.

What is visitor travel insurance?

This group buy offers IMG (International Medical Group) travel medical insurance. Founded in 1990, IMG (International Medical Group) is one of the better-known international travel medical insurance and assistance providers in the U.S., and is now part of the international insurance group SiriusPoint. IMG's travel medical insurance products are widely known among people bringing parents to the U.S., short-term family visitors, and international travelers. The Patriot line is one of the more common choices for U.S. visitor insurance. IMG's main advantages are its many product options, flexible combinations of medical coverage and deductibles, and relatively convenient online purchasing. In Chinese discussions of insurance for U.S. family visits, IMG is often included in comparisons. This promotion mainly recommends two plans:

  • Patriot Plus: Suitable for non-U.S. residents visiting or traveling in the United States. You can choose the medical coverage amount and deductible based on your needs. It is mainly designed to cover eligible medical expenses from sudden illness, accidental injury, emergency care, and hospitalization during the trip.
  • Patriot Platinum: A travel medical insurance option with a higher level of coverage, offering a higher medical coverage limit for travelers who want more protection.

These products are travel medical insurance, with the focus on medical risks during travel. They are not the same as long-term health insurance in the United States. Different plans may vary in medical coverage, deductible, emergency medical transportation, pre-existing condition rules, and other benefits, so you should compare them based on age, trip length, and personal needs before buying.

IMG travel insurance prices

Below are approximate IMG insurance prices. Our group-buy 10%-off promotion takes another 10% off these base rates. You can use the link below to check prices directly by age, trip length, and plan. In general, younger travelers usually only need a few dollars per day; parents in their 50s are often around $5–$10/day; people in their 60s are usually around $7–$17/day. For example, for a traveler around age 60 choosing $100,000 in medical coverage with a $0 deductible, the cost is about $9/day; if you choose Patriot Platinum with $2 million in coverage, it is about $15/day. The older the traveler and the higher the coverage, the higher the premium is usually.

Below is a roundup of several common IMG visitor travel medical insurance plans, all estimated using a $0 deductible so you can quickly see how much people in different age groups may need to pay per day.

Age Patriot Plus $100,000 coverage Patriot Plus $250,000 coverage Patriot Platinum $1,000,000 coverage Patriot Platinum $2,000,000 coverage
18–29 $2.58/day $2.83/day $3.71/day $3.92/day
30–39 $3.33/day $3.88/day $4.29/day $4.54/day
40–49 $3.96/day $4.46/day $5.75/day $6.08/day
50–59 $6.63/day $8.21/day $9.96/day $10.54/day
60–64 $9.29/day $12.42/day $13.42/day $15.42/day
65–69 $10.58/day $12.79/day $17.25/day —
70–79 $18.25/day — — —

The prices above are for reference only, in USD per person per day, and are estimated using a $0 deductible. Actual premiums will vary depending on age, trip duration, medical coverage, deductible, and the specific insurance plan. The maximum coverage available for some age bands may also be limited. Please use the quote at the time of purchase as the final price.

What should you look at in visitor travel insurance?

When choosing travel medical insurance, don't compare price alone. You should also pay close attention to the following:

  • Medical coverage is the maximum amount the plan will pay for eligible medical expenses. Medical care in the U.S. is expensive, so the higher the coverage, the higher the premium will usually be.
  • The deductible is the amount you must pay out of pocket before the insurance starts covering eligible expenses. Choosing a higher deductible usually lowers the premium, but your out-of-pocket costs can also be higher if you need medical care.
  • Some plans include emergency medical transportation or medical evacuation coverage. Coverage limits, eligibility, and claim requirements can differ by plan.
  • Pre-existing conditions, chronic illnesses, pregnancy-related care, routine physicals, and some high-risk activities may not be covered under a standard travel medical policy, or may require certain conditions to be met. Be sure to read the policy terms carefully before buying.

For a more detailed introduction to visitor travel insurance, see:

Summary

For family members who are planning to visit or travel in the United States and do not have U.S.-based health insurance, travel medical insurance can provide some protection against risks such as sudden illness, accidental injury, emergency care, and hospitalization.

In this 恒晟保险 visitor travel insurance group-buy offer, 5 people get 5% off and 10 people get 10% off, with the discount returned via Amazon gift cards. If you are currently planning to buy visitor travel insurance for your parents or relatives, you can join the group chat first, get an individual quote, and then decide whether to enroll.

How to sign up: scan the QR code and add WeChat (uscards101), and include the note “保险团购加群”.

Disclaimer: This article is for introducing the group-buy promotion only and does not constitute insurance, legal, tax, or investment advice. The coverage, exclusions, waiting periods, pre-existing condition rules, and claim requirements of the insurance products are all subject to the insurer's official contract and final policy terms.