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
PPO Network
United Healthcare PPO Network
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
6 months
Period of Coverage limit
Through age 64: $2,000,000, $5,000,000 or $8,000,000
Ages 65 to 69: $2,000,000
Ages 70 to 79: $100,000
Ages 80 and older: $20,000
Deductible
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per Insured Person, as indicated on the Declaration.
Coinsurance
Plan pays 100%.
Insured pays 0%
Pre-Existing Conditions
Acute Onset of Pre-existing Conditions
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:
Maximum Limit: $1,000,000.
Age 65 through age 69:
Maximum Limit: $2,500.
Non-United States citizens:
Age 69 and under:
Maximum Limit: $1,000,000.
Emergency Coverage
Emergency Medical Evacuation
Maximum Limit: $25,000.
Emergency Reunion
Maximum Limit: $100,000.
Local Burial / Cremation
Maximum Limit: $5,000.
In-Patient/Out-Patient Services
Physician Visits / Services
Coinsurance : 100%.
Urgent Care Clinic
Coinsurance : 100%.
Outpatient Surgical / Hospital Facility
Coinsurance : 100%.
Laboratory
Coinsurance : 100%.
Hospital Emergency Room
Coinsurance : 100%.
Surgery
Coinsurance : 100%.
Dental Coverage
Unexpected Pain or Treatment due to an Accident
Up to $300.
Travel Coverage
Return of Mortal Remains
Maximum Limit: Up to the Period of Coverage limit.
Additional Coverage Options
Accidental Death & Dismemberment
Maximum Limit: $50,000.
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