The International Major Medical Plan (IMMP) provides short term health insurance coverage to visitors to USA, those temporarily working in USA, new immigrants to the USA and US citizens returning to USA. It provides coverage anywhere up to 11 months.

International Major Medical Insurance is administered by Petersen International Underwriters and is underwritten by Lloyds of London, rated A "Excellent" by A.M. Best.

International Major Medical Plan offers the policy maximums from $50,000 to $1,000,000. However, as it offers the most policy maximum for people of the age 70 years and above, it is most popular in the age group of 70 years to 84 years.

You can make an instant application online on this web site. The application will ask you several health related questions. If your answer is No to all the questions (you are quite healthy), you will be approved right away, you pay for it and your insurance is confirmed immediately. However, if you have health problems, it would have to go through underwriting which usually takes only few hours during the normal business hours of the underwriters. Accordingly, you will get an offer in the email. Your premium might have either increased or you might receive several exclusions in your policy. As long as you agree to them and pay online, your insurance will be approved immediately. You will get the fulfillment kit (insurance policy, ID card etc.) immediately in the email that you can print and keep with you while traveling.

• Provides the highest amount of coverage for most elderly people. Provides up to $250,000 policy maximum for 70 to 74 years, $100,000 policy maximum for 75 to 79 years, $50,000 policy maximum for 80 to 84 years.
• Reputed underwriter Lloyds of London who has the solid history of over three hundred years in business.

• No PPO network.
• No paper insurance card in the postal mail (only through email).
• Not renewable nor refundable.

Not available in DE, IA, KY, MS, MT, NE, NJ, NY, NC, PA, RI, TN, WY