Travel Insure

Intermedical Insurance Reviews

  • Offers Coverage up to a maximum $100,000.
  • It is an ideal plan for US citizens/residents travelling outside their home country and USA.
  • It offers coverage for accident/sickness medical expenses, emergency medical evacuation and provides assistance coverage for international travelers.

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Review Intermedical Advantages and disadvantages

Intermedical Insurance Advantages

  • InterMedical provides medical coverage for people traveling outside US and outside their home country.
  • Good provider network
  • Deductible per incident.
  • Optional Add-On Benefits: Additional AD & D, Intercollegiate/Interscholastic Sports Coverage, Hazardous Activity Coverage.
  • Worldwide emergency assistance services provided by World Service Center.

Intermedical Insurance Disadvantages

  • This plan is available for a maximum of one year.
  • This plan is not renewable.
  • Does not cover pre-existing condtions.

What are some insurance terms important in Intermedical Insurance reviews?

  • Plan Maximum coverage of Intermedical travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Intermedical insurance offers maximum coverage up to $100,000.
  • What is a deductible in Intermedical visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Intermedical insurance has deductible options are $0, $250, $500 and $1,000.
  • What is a provider network of Intermedical Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Intermedical visitor insurance?
    This is a percentage of the bill that the travel has to pay. Intermedical plan pays 100% after deductible, up to the overall maximum limit outside USA.
    For coverage inside USA:
    Intermedical insurance pays
    Plan pays 100% after deductible, up to the overall maximum limit.
    Usual, reasonable, and customary. You may be responsible for charges exceeding payable amount.
  • Renewability of Intermedical Travel health insurance
    Intermedical Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Intermedical Insurance Online
    It is an ideal plan for US citizens/residents travelling outside their home country and USA.
  • Intermedical Insurance underwritten by Lloyd's of London and rating "A" (Excellent) by AM Best Rating.

A working example of using Intermedical Insurance (Offered by Travel insurance) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $250 per certificate period
  • Coinsurance : The plan pays 100%
  • Total medical expenses is $25,000
The Intermedical Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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