Travel Insure

Intermedical Travel Insurance for travel outside USA

InterMedical Insurance is available for people traveling outside the U.S. and outside their home country. 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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  • Application
  • Benefits
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  • Advantages
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  • Comprehensive
  • Claims
  • Provider Network

Frequently asked questions about Travelinsure insurance plans coverage for Coronavirus

As of the CDC Global Warning Level 3 on March 27th, any insured not already located in a destination under a CDC Warning Level 3 has 10 days of coverage for charges related to COVID-19. Those already in a country under a CDC Warning Level 3 would have 10 days of coverage based on the date the warning for that country was first issued. Insureds will continue to be covered for eligible Non-Covid-19 related expenses after the 10 days have elapsed.

They will have coverage through April 6th for COVID-19, which is the tenth day following the global warning on March 27th. After this, COVID-19 will no longer be covered, though coverage for all other eligible expenses will remain in place.

COVID-19 will not be covered under any current policy due to the CDC Global Warning Level 3. Policies will continue to cover other illness and accidents as per the policy wording. I understand that new coverages/plans may be considered in the future, though at this time no policies will be covering COVID-19.

Travel Insurance services insurance coverage for Coronavirus (Covid 19)

The USI global medical policies have an exclusion based on the Centers for Disease Control (CDC) Warning to avoid travel (level 3). Travelers who contract coronavirus in areas with a level 3 advisory will not be covered for coronavirus illness. If your travel began under a level 2 advisory and changed to level 3 during your trip, you will be covered even if they contracted it after the updated warning was issued.

Intermedical Insurance for US travelers aged 14 days to 99 years outside USA

Age
Spouse
Start Date
End Date
Coverage
Citizenship
Intermedical Plan A
Plan Maximum
Deductible
Intermedical Plan B
Plan Maximum
Deductible
Coinsurance - Claims incurred in the USA
In-Network: Plan pays 100% after deductible, up to the overall maximum limit
Out-of-Network: Usual, reasonable, and customary. You may be responsible for charges exceeding payable amount
In-Network: Plan pays 100% after deductible, up to the overall maximum limit
Out-of-Network: Usual, reasonable, and customary. You may be responsible for charges exceeding payable amount
Coinsurance - Claims incurred Outside the USA
Plan pays 100% after deductible, up to the overall maximum limit Plan pays 100% after deductible, up to the overall maximum limit
Emergency medical evacuation
$250,000 $250,000
Accidental death and dismemberment
$50,000 $50,000
Repatriation of remains
$50,000 $50,000
Political evacuation
$50,000 $50,000
Emergency reunion
$15,000 $15,000
Return of minor children
$50,000 $50,000
Terrorism
$50,000 $50,000
Emergency dental
$1,000 for accident or $100 for pain relief $1,000 for accident or $100 for pain relief
Trip interruption
$5,000 $5,000
Loss of baggage
$500 $500
Stolen passport/Visa
$100 $100
Optional Add-On Benefits
  • Intercollegiate or Interscholastic Sports Coverage
  • Hazardous Activities
  • Accidental Death and Dismemberment coverage is based on age:
    • Under 18: $5,000
    • 18-69: $50,000
    • 70-74: $20,000
    • 75 and above: $10,000
    • Additional AD&D is not available for those 70 and above.
  • Intercollegiate or Interscholastic Sports Coverage
  • Hazardous Activities
  • Accidental Death and Dismemberment coverage is based on age:
    • Under 18: $5,000
    • 18-69: $50,000
    • 70-74: $20,000
    • 75 and above: $10,000
    • Additional AD&D is not available for those 70 and above.
Note: $5 application fee is charged.

Travel Insurance Services Intermedical plan summary

Insurance Provider
Plan Life
  • 5 days to 364 days
Deductible Options?
  • $0, $250, $500, $1,000

Underwriter
  • Lloyd's of London - Syndicate 4141
Renewal Renewability
  • Not renewable
Rating
  • AM Best Rating: "A" (Excellent)

cancellation Cancellation and refund
  • A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to Travel Insurance Services. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. Refunds are permitted only before coverage starts.

Eligibility
  • U.S. citizens and residents who are traveling outside the U.S. and outside their home country
  • Applicants traveling from one country outside the U.S. to another country outside the U.S.

Policy Maximum?
  • Intermedical Plan A:
    • $50,000; Available to insureds aged up to 79 years.
    • For 80 years and above: Maximum medical benefits is $10,000.
  • Intermedical Plan B: $100,000; Available to insureds aged up to 70 years.
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Travel Insure - Provider network and how to find hospital or doctor?

InterMedical Plan:


It is not restricted to a network of doctors. However, if you need assistance with finding a doctor or hospital outside the U.S., you can call InterMedical's 24-hour Assistance Service hotline. You will receive information about the Assistance Service after you enroll.
You can find a doctor in the Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. then click here

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