US Citizens traveling outside home country Plan Details
Insurance Provider
International Medical Group (IMG)
Plan Underwriter
SiriusPoint Speciality Insurance Corporation
Plan Rating
A.M. Best Rating: A
Plan Category
Travel Medical Insurance
Plan Type
Comprehensive Coverage
Plan Eligibility
Eligibility
For U.S & non U.S residents traveling internationally, excluding the USA.
For ages 14 days to 99 years.
Coverage for minimum 5 days to maximum up to 365 days.
Extendable for up to 365 days.
Policy Maximum, Deductibles & Medical Coverage Limits
Period of Coverage
5 days up to 12 months.
Benefit Period
3 months(Charges incurred in the United States are not eligible for coverage during the Benefit Period).
Period of Coverage limit
Through age 64: $50,000, $100,000, $500,000 or $1,000,000.
Ages 65 to 69: $50,000 or $100,000.
Ages 70 to 79: $50,000.
Ages 80 and older: $10,000.
Deductible
$0, $100, $250, $500, $1,000 or $2,500 per Insured Person, as indicated on the Declaration.
Coinsurance(In addition to Deductible)
Plan pays 100%.
Insured pays 0%.
Pre-Existing Conditions
Acute Onset of Pre-existing Conditions(Insured Person must be under 70 years of age)
United States citizens:
Age 64 and under without a Primary Health Plan:
Maximum Limit: $20,000.
Age 64 and under with a Primary Health Plan:
Up to the Period of Coverage limit
Age 65 through age 69:
Maximum Limit: $2,500.
Non-United States citizens:
Age 69 and under:
Up to the Period of Coverage limit or $1,000,000 (whichever is lower).
Emergency Coverage
Ambulance Expenses
In-Network: Plan pays 100%.
Out-of-Network: 80% covered for first $5,000.
100% covered thereafter.
Emergency Room(ER)
100% covered.
Local Burial / Cremation
Maximum Limit: $5,000.
Separate deductible of $250 applies to ER visit for illness that does not result in direct inpatient hospital admission.
Out-Patient
Dr. / Physician Visit
100% covered.
Urgent Care
$25 co-pay applies for Urgent Care.
$15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen.
Plan pays 100% outside of US.
Surgical Treatment
100% covered.
Prescription Drugs / Medicines
100% covered.
Lab & X-rays
100% covered.
Physical Therapy
100% covered.
In-Patient
Hospital Room
100% covered.
Hospital Intensive Care Unit
100% covered.
Surgical Treatment
100% covered.
Dental Coverage
Acute, spontaneous and unexpected pain
Up to $300.
Accidental emergency
100% covered.
Travel Coverage
Emergency Medical Evacuation / Repatriation
Up to $1,000,000.
Return of Remains
Coverage up to a maximum of $50,000 for return of mortal remains to the insured’s home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death.
Emergency Reunion
Up to $100,000. Not subject to deductible but must be approved beforehand.
Return of minor Child(ren)
Up to $100,000. Not subject to deductible but must be approved beforehand.
Trip Interruption
Up to $10,000.
Loss of checked Baggage
$50 per item up to $500 maximum per period of coverage.
Additional Coverage Options
Terrorism Coverage
Up to $50,000 lifetime maximum.
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