WorldMed travel insurance cost

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WorldMed Insurance Reviews

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Ratings
AM Best Rating: "A" (Excellent)
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Underwriter
Lloyd's

Ideal for Sports Coverage Acute on set of pre-existing conditions

WorldMed health insurance review

WorldMed Insurance is an international travel health insurance designed for individuals up to age 64 who are traveling outside their home country and is available to both US and Non US citizens. Green Card holders in the USA and new immigrants are not eligible to purchase WorldMed Medical travel america insurance. There are 2 plans under WorldMed Insurance: WorldMed Inbound, WorldMed Outbound.

Key benefits of WorldMed insurance

ecg_heart Acute on set of pre-existing condition

account_box Stolen Passport or Visas

local_hospitalUrgent Care

ambulanceEmergency medical evacuation

work Trip Interruption

description Hazardous Activities

WorldMed Visitor Insurance - Key Highlights

  • There is no coinsurance applicable with this plan and it is URC charges.
  • The Repatriation of Remains coverage in both Plan A and Plan B are available for $25k.
  • The deductible options in Plan A and Plan B are $0, $250, $500 or $1k per Certificate.
  • Plan A is available for the age range of 14 days to 80+ years and Plan B is available for age range of 14 days to 69 years.
  • WorldMed Inbound: This is a fixed plan and is available for non-US residents visiting the US.
  • WorldMed Outbound: This is a comprehensive plan and is available for people traveling to the US from outside the country.

Travel Insure Customer reviews

Reviews, Ratings and Experiences

"I will most definitely take out insurance for all my future travel with this company as a result of my experience... We are getting older as are our parents so this gives us peace of mind in case the unforseeable happens. If it doesn't, it is money well spent for that peace of mind."
  |   Diana
"I was so happy with Travel Insurance Select because when my Egypt trip was cancelled, I was expecting a pro-rata refund, but to my delight received a full refund of premium. I've had multiple coverages with you and will continue to always use you."
  |   Virginia
"I was really surprised at how affordable the policy was. I was able to get more than basic coverage and even that was not too expensive."
  |   Pam

WorldMed Insurance Optional additional benefits

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.WorldMed Insurance also provides optional buy-up coverage for the following:

  • Hazardous Activities Rider open_in_new
  • Additional Accidental Death and Dismemberment Benefit open_in_new
  • Intercollegiate/Interscholastic Sports open_in_new
  • Crisis Response open_in_new

Advantages and Disadvantages of WorldMed Insurance

  • WorldMed Insurance Advantages
    • Pre-existing Hospitalization expenses up to $5000 for Heart attack and stroke only.
    • Good PPO Network.
    • $50,000 coverage for the age group of 70-79 years.
    • Optional add-on covers for AD & D and hazardous activity.
    • Online renewal.
  • WorldMed Insurance Disadvantages
    • Only $15,000 coverage for 80 plus travelers.
    • Limited coverage for pre-existing.
    • Costly when compared with similar plans.

An Overview of WorldMed Insurance

Eligibility

  • Available for individuals aged 14 days to 64 years who are traveling to a foreign country for trip lengths of 5 to 364 days.

Renewability

  • The plan is not renewable

Acute on set of Pre-existing condition

  • Under age 60: Up to the overall maximum limit
  • For ages 60 to 79: Covers up to $20,000
  • For ages 80 or older: Covers up to $5,000

Coinsurance

  • Under age 60 up to $200k, For age 60 to 69 years up to $20k

A working example of using WorldMed travel insurance*

Let us take an example: The medical bill is $25,000; Deductible is $250 and choosen Policy Maximum is $1,000,000.
  • Insurance coverage is $1,000,000
  • Deductible is $250 per certificate period
  • Coinsurance : The plan pays 100% Claims Incurred Outside the U.S
  • Total medical expenses is $25,250
  • Subtract the deductible from claims amount - $25,250 minus $250 equals $25,000. Insured bears $250

The WorldMed travel insurance plan covers set amount up to a maximum of $1,000,000. The insured must pay the deductible ($250). 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
Deductible $250 $0 $250
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,250 $25,000 $250
* 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.

WorldMed Travel Medical Insurance - FAQ's

01. Why to choose Worldmed health insurance?

WorldMed Insurance is an excellent choice for global travelers and expatriates. Provides comprehensive medical and evacuation coverage. It ensures that you’re safeguarded against unexpected health expenses while abroad.

02. Is there coverage for Covid-19 illness in Travel Insurance Services travel insurance?

Yes, Travel Insurance services offers covid 19 travel insurance for coronavirus with their Travel Insure insurance plans.

03. Am I eligible to purchase WorldMed if I have already left my home country?

You may enroll in WorldMed regardless of how long you have been traveling outside your home country or country of residence.

04. Can I purchase travel insurance from Travel Insure?

Travel Insure is one the most reputed travel insurance providers of the USA offering international travel insurance. USI Affinity Travel Insurance Services has served travelers since 1973 offering protection while traveling outside of one's own country. It offers coverage for a business trip, vacation or even relocating abroad to live or to study.

05. Why should I buy travel insurance from Travel Insure services?

Travel insure services offer worldwide coverage with adequate coverage with an affordable price. Travelers can get travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and many more for international travelers to the USA and for individuals traveling abroad.

06. Is there a Cancel for any reason insurance cover with Travel Insure travel insurance?

Travel Insurance Select Elite Insurance has Cancel for any reason benefit which can be included at an additional cost within 21 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

07. What cover do Travel Insure services offer in Covid travel insurance? Does it have Quarantine coverage for US travelers?

Travel Insure offers Covid19 coverage in their Travel Insurance Select Elite plan with Quarantine coverage as any other illness under the Medical Expense maximum. Covid Quarantine Benefit in the Travel Insurance Select Elite plan provides coverage for accommodations due to a covered Trip Delay $2,000/$250 per person per day is included in the basic coverage. Travel Insurance Select Elite is available for US residents.

08. Who is eligible for WorldMed travel health insurance?

WorldMed health insurance is available for individuals aged 14 days to 64 years who are traveling to a foreign country for trip lengths of 5 to 364 days. That includes those traveling to and from the United States.

09. Are pre-existing conditions covered by Worldmed inbound insurance plan?

WorldMed Inbound does not cover pre-existing medical conditions.

10. Are adventure sports covered by WorldMed travel health insurance Plan?

WorldMed travel health insurance offers coverage for eligible medical expenses resulting from adventure sports.

11. How do I renew my WorldMed visitor health Insurance plan?

WorldMed Insurance cannot be directly renewed. However, if you plan to stay outside your home country for an extended period and need continuous coverage, you have a couple of options:

  • Purchase a New Plan: At the end of your current plan, you can purchase a new WorldMed Insurance plan to begin immediately. This ensures uninterrupted coverage during your extended stay abroad.
  • Choose the Right Duration: When buying a new plan, select the duration that aligns with your travel or living arrangements. WorldMed Insurance offers flexible coverage options ranging from 15 days to 3 years.

WorldMed Insurance provides valuable benefits, including coverage for Covid, political evacuation, and more. Whether you’re an expatriate, leisure traveler, or work study program participant.

12. What are the optional add-on benefits of WorldMed visitor medical insurance?

  • Additional Accidental Death and Dismemberment (AD&D): You can add an extra $100,000 of coverage for only 60¢ per person per day.
  • Intercollegiate/Interscholastic Sports Coverage: If you participate in intercollegiate or interscholastic sports, this optional rider provides additional coverage. It ensures you’re protected during athletic activities. This rider is available for an additional $1.25 per person, per day.
  • Hazardous Activities: It gives you the option of buying additional coverage for your adventures. Only medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
  • Crisis Response: Offers coverage for situations such as kidnap, ransom, natural disaster evacuation, and other crisis-related expenses. Offered at an additional $1.40 per person, per day.

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Travel Insure - PPO network

Provider network and how to find hospital or doctor?

Travel Insure maintains a wide network of health care providers. You may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company to help you locate a doctor or hospital.
Visit USA Budget Plan: No Network is required. You may use any doctor you choose.

Visit USA Standard and Superior Plans:
There are 2 options: First Health care network and United health care.
You may go to your choice of provider in the U.S. However, the coinsurance will be waived for visitors to the U.S. if expenses are incurred within the PPO network.
You need to check your insurance card to find any one of the below 2 logos:
United Healthcare Provider NetworkUnited Healthcare Provider Network