Plan Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

• Eligibility:- Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
• Coverage Length: Min 5 days up to max 365 days.
• Renew Online: Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
• Acute Onset of Pre-existing Condition:
  • US Citizen :Under Age 64 without primary health plan :Max up to $20,000 ; Under Age 64 with primary health plan: up to overall policy maximum ; Age (65-69) :- Up to $2500.
  • Non- US Citizen: Under Age 70: Up to the Period of Coverage limit or $1,000,000 (whichever is lower).
• Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
• PPO Network: Provides International Provider Access.
• ID Card & Visa Letter comes in email instantly.

CANCELLATION BY INSURED PERSON: The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel this insurance:

(a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.

(b) If no claims have been filed with the Company:

(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged

(ii) only Premium covering time periods after cancellation are refundable