1:
Who may purchase InterMedical Insurance?
A:
U.S. citizens and residents who are traveling outside the U.S. and outside their home country for up to one year may purchase InterMedical. It is also available to individuals traveling from one country outside the U.S. to another country outside the U.S. (e.g. travel from Canada to India).
2:
May I purchase InterMedical if I am already on my trip?
A:
Yes. Submit an online enrollment to us and coverage can begin as early as the next day.
3:
May I purchase InterMedical by telephone?
A:
Sure. Feel free to call us at any time.
4:
How will proof of insurance be sent to me?
A:
If you enroll online, your receipt and Confirmation of Insurance will be instantly emailed to you. If you enroll by fax or mail, your Confirmation of Insurance will be sent to you via U.S. mail.
5:
I need coverage to begin as soon as possible. Can my InterMedical policy go into effect the day I enroll?
A:
No. However, your policy can go into effect as early as one day after you enroll online.
6:
When I purchase with the online enrollment form, how will I know that you have accepted my purchase?
A:
After enrolling you will see a page that begins with "Thank you for purchasing InterMedical Insurance." You will also receive an email receipt and a PDF Confirmation of Insurance to the email address you specified during enrollment.
7:
May I extend my coverage if my trip lasts longer than originally planned?
A:
No, InterMedical is not a renewable policy. However, you may enroll for another policy to begin the day after the first policy ends. You will receive another Confirmation of Insurance.
8:
Will InterMedical Insurance cover me when I return to the U.S.?
A:
No, coverage is only valid outside the U.S.
9:
What are the rates for InterMedical Insurance?
A:
Your Age |
Premium Per Day Per Person |
| |
Plan A |
Plan B |
Ages through 69 |
$3.25 |
$5.00 |
Ages 70+ |
$7.50 |
$10.00 |
10:
What is the maximum Accidental Death coverage available with InterMedical?
A:
InterMedical offers an optional upgrade that provides an additional $400,000 Accidental Death & Dismemberment coverage. When purchased, this upgrade raises the AD&D limit to $410,000 for Plan A participants and to $500,000 for Plan B participants. Add this coverage for an additional $3 per day, per person.
11:
If I need care, will I have to pay up front for my medical expenses?
A:
You may have to pay up front for medical care depending on the medical facility being used. If the medical facility requires payment up front, you can later submit a claim for reimbursement, less your chosen deductible. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the Insurance Company's Assistance Service.
12:
What are InterMedical's deductible and co-insurance limits?
A:
There is a $50 deductible per incident. Once this is met, the insurance will pay 100% of reasonable and customary covered medical expenses, up to the maximum benefit limit selected. There is no co-insurance requirement.
13:
Must I use a network of doctors or hospitals if I need care?
A:
No, you are 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.
14:
Does InterMedical Insurance cover pre-existing conditions?
A:
No. Pre-existing Conditions are defined as, "any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance." See InterMedical's complete list of exclusions.
15:
Is it safe to purchase InterMedical Insurance online?
A:
Yes. We work closely with our programmers to keep our forms on a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from "http" to "https", to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process.
16:
After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?
A:
Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Online Order Transaction number.
Contact Information:
Email:
Fax: (972) 767-4470
Mail:
Insubuy®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093
USA
If the correction results in an increase in premium, please submit check or credit card payment by fax or mail. When sending credit card details, please include the number, expiration date and a note authorizing Travel Insurance Services to charge the additional amount.
17:
If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
A:
Yes, you may cancel your insurance if prior to your insurance effective date. We will mail you a premium refund, less a $20 processing fee. Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Confirmation of Insurance to Travel Insurance Services.
18:
Will I receive a partial refund if I return home before my policy expires?
A:
No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. (This is noted in the Enrollment Agreement when you purchase online.) Refunds are permitted only before coverage starts (see question #17).
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