Why Globehopper Senior?
You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. The administrator has developed two GlobeHopper Senior plan options that offer market-leading, affordable travel medical insurance that bridges the gap left by other limited domestic plans that do not cover seniors when they leave the United States GlobeHopper Senior Single-Trip helps protect travelers who need travel medical insurance coverage from five days up to 12 months while on a single trip. GlobeHopper Senior Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to a maximum of 30 or 45 days.
Additionally, the plans offer excellent benefits and services to help meet your global travel insurance needs. You have access to the administrator's multilingual customer services representatives, claims administrators processing claims all over the world, and 24-hour access to highly qualified coordinators of international emergency medical services and treatment. You also have the option to add Telehealth to your plan for an additional cost, giving you virtual access to board-certified providers for non-emergency medical needs.
GlobeHopper Senior Single-Trip
GlobeHopper Senior Single-Trip helps protect those who need travel medical insurance for a single trip lasting up to 12 months.
- Maximum limits: $50,000 to $1,000,000 - dependent upon age
- Deductible: $0 to $2,500 - dependent on max limit
- Extensions: Up to 12 continuous months
- Coinsurance: The administrator pays 100%
- Sudden and unexpected reoccurrence of pre-existing conditions: $2,500 maximum limit
- Continuation of Treatment Period: Earlier of six months per injury or illness or upon return to country of residence
- Non-Emergency Medical Evacuation: $25,000 maximum limit
- Hospital Indemnity: $250 per night, 30 overnights maximum (Not subject to deductible)
- Local Ambulance Expense: The administrator pays 100%, up to $5,000 maximum limit
GlobeHopper Senior Multi-Trip
GlobeHopper Senior Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to a maximum of 30 or 45 days, depending on the plan option you choose. Option to renew plan up to 24 continuous months.
- Maximum limits: $100,000 to $1,000,000 - dependent upon age
- Deductible: $250 per injury or illness
- Extensions: Up to 24 continuous months
- Coinsurance: The administrator pays 100%
- Sudden and unexpected reoccurrence of pre-existing conditions: $5,000 maximum limit
- Continuation of Treatment Period: $5,000 maximum limit before earlier of a) 30 day per injury or illness or b) upon return to country of residence
- Non-Emergency Medical Evacuation: N/A (only offered under Evacuation Plus rider)
- Hospital Indemnity: $250 per night, 5 overnights maximum (Not subject to deductible)
- Local Ambulance Expense: The administrator pays 100%
Plan Highlights
- Offers immediate access to care and reimbursement for eligible medical expenses
- Allows the option to select a hospital or doctor of your choice
- Provides reimbursement for emergency and non-emergency care expenses
- Provides 24/7 emergency medical and travel assistance anywhere in the world
- Does not have a maximum age restriction
- COVID-19 covered as any other illness
- 24/7 access to Travel Intelligence to minimize potential travel issues and destination specific risks.
Eligibility
- Must be 65 years of age or older
- U.S. citizens and U.S. permanent residents
- Qualified for Medicare and actively enrolled in Medicare Parts A & B and a Medicare Supplement plan or actively enrolled in a Medicare Advantage Plan.
The Administrator Advantage
Our focus on Service, Strength, and Safety Solutions provides you with the ultimate advantage: Global Peace of Mind.
Service - Help when and where you need it.
Nobody wants to experience an emergency while traveling the world, but if you do, you’ll want a team you can trust to have your back. The expert staff is here for you 24/7. We’re accustomed to working in multiple time zones, languages, and currencies, so rest assured we have the training to assist you—even in remote and hazardous locations. Our international and U.S. provider networks include more than one million physicians and facilities across the globe, giving you access to quality care while away from your primary care team. Our innovative technology allows you to manage your claims, your account, and search for providers through our online portal and mobile app around the clock.
Strength - A market leader you can trust.
You can feel confident with the administrator knowing our industry expertise has led us to serve millions of customers worldwide since 1990. Owned by SiriusPoint, a multi-billion-dollar insurance industry leader and rated “A-” by A.M. Best, an independent analyst of the insurance industry, the administrator has a strong financial backing and vision to become the preeminent provider of travel and health safety solutions. With loyal customers ranging from Fortune 500 companies, universities, to individuals and other insurance companies, our personalized offerings allow us to meet the needs of nearly anyone traveling internationally.
Safety Solutions - Products and services designed with your safety in mind
Physical Health
You can’t plan when you get sick, and unfortunately, it can happen anytime and anywhere. Medical bills can be expensive, and these plans provide the cross-border medical coverage you need for unexpected medical care.
Financial Protection
Costs can add up while seeking medical treatment. However, access to physician and provider networks and pharmacy discount programs can help you save on out-of-pocket medical expenses and prescription medications.
Crisis Support
Navigating an emergency in a foreign country is never easy. That’s why the administrator offers a multilingual staff of nurses, doctors, and case managers that provide 24/7 assistance services to facilitate a response to urgent and emergency situations, such as evacuations.
Personal Property
There are some belongings you know you can’t live without. The administrator has you covered and can reimburse costs if your essential items like a phone, camera, luggage, or important travel documents are lost, stolen, or damaged during your travels abroad.
Summary of Benefits
The following benefits and coverage levels are shared across all GlobeHopper Senior products:
| Inpatient/Outpatient Benefits Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary | |
|---|---|
| Charges | Limits per Period of Coverage unless stated as Maximum Limit |
| Eligible Medical Expenses | Up to maximum limit |
| Physician Visits | Up to maximum limit |
| Hospitalization / Room & Board | Average semi-private room rate |
| Hospital Emergency Room | Up to maximum limit Additional $250 deductible for illness that does not result in a direct hospital admission |
| Intensive Care | Up to maximum limit |
| Surgery | Up to maximum limit |
| Chemotherapy / Radiation Therapy | Up to maximum limit |
| Diagnostic Procedures Laboratory, Radiology/X-ray, Pre-admission Testing | Up to maximum limit |
| Home Nursing Care | Up to maximum limit |
| Durable Medical Equipment | Up to maximum limit |
| Chiropractic Care / Physical Therapy *Medical order or Treatment plan required | Up to maximum limit |
| Prescriptions Subject to the Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable, and Customary | |
|---|---|
| Charges | Limits per Period of Coverage unless stated as Maximum Limit |
| Prescription Medication | Up to maximum limit |
| Emergency Services Not Subject to the Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable, and Customary | |
|---|---|
| Benefit | Limits per Period of Coverage unless stated as Maximum Limit |
| Emergency Medical Evacuation | $250,000 maximum limit |
| Emergency Reunion | $50,000 maximum limit |
| Return of Mortal Remains | $50,000 maximum limit |
| Political Evacuation | $50,000 maximum limit |
| Interfacility Transportation | $2,500 maximum limit |
| Emergency Local Ambulance Subject to deductible and coinsurance | Single-Trip: $5,000 Multi-Trip: Up to the maximum limit |
| Other Services Not Subject to the Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable, and Customary | |
|---|---|
| Benefit | Limits per Period of Coverage unless stated as Maximum Limit |
| Terrorism | $50,000 maximum limit |
| Natural Disaster | $100 per day for five days, $5,000 maximum limit |
| Accidental Death and Dismemberment | $25,000 principal sum |
| Common Carrier Accidental Death | $100,000 per adult/ $200,000 per family maximum limit |
| Trip Interruption | $5,000 limit |
| Identity Theft | $500 limit |
| Felonious Battery | $10,000 maximum limit |
| Lost Luggage | $50 maximum per item of personal property, $250 overall maximum |
| Dental Treatment - for unexpected pain Subject to deductible and coinsurance | $100 limit |
| Traumatic Dental Injury Subject to deductible and coinsurance | Up to maximum limit |
All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided.
Expand Your Coverage
It's easy to customize your coverage to best meet your needs while away from home. When submitting your application, simply add the riders you need to the plan you've selected.
- Evacuation Plus Rider
While GlobeHopper Senior provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 for medical evacuations if you experience a sudden, non-life-threatening medical condition that requires hospitalization. The administrator will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.
Note: This rider is for the GlobeHopper Senior Multi-Trip plan only.
- Telehealth Rider
If you'd like the option of seeing a doctor virtually during your trip in case of a non-emergency medical issue, consider adding the Telehealth rider. With Telehealth you have access to board-certified doctors 24/7 without having to visit an office. Your provider can meet with you over the phone or via a video consultation, and can help diagnose and treat non-emergency medical problems.
Conditions of Coverage
- Coverage and benefits are subject to the deductible and limits, and all terms of the Certificate of Insurance, Master Policy and other governing policy documents
- Coverage under a GlobeHopper Senior plan is secondary to any other coverage
- Coverage and benefits are for eligible medical expenses which are medically necessary, usual, reasonable and customary
- Charges must be administered or ordered by a licensed physician
- Charges must be incurred during the period of coverage or the coverage duration per trip
- Claims must be presented to the administrator for payment within 180 days from the date the claim was incurred
This plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and only provides coverage for medical expenses outside of the U.S.
Innovative Technology & Member Services
MyAccount
MyAccount provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through easy-to-use technology. You’ll have immediate access to important resources online, including our service center team, plan document access, claim forms and much more.
Pharmacy Discount Savings
Universal Rx is a discount savings program that allows you to purchase prescriptions from one of 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This network offers a simplified claims process with minimal paperwork for the member if they visit an in-network provider.
This program is not insurance coverage; it is purely a discount program.
International Provider AccessSM
Travelers outside of the U.S. can also enjoy access to quality healthcare worldwide with proprietary IPA network that includes:
- Over 45,000 physicians and facilities
- Direct billing arrangements that minimize time and upfront expense
How To Get Covered
Step 1:
Get a quote in the online application.
Step 2:
If applying as a family, you may include yourself, your spouse, and dependents on one application.
Step 3:
Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the family!
Protect Your Investment
We also offer trip cancellation plans to help protect your travel investment. There are different plan options specifically designed for your needs. For more information, please visit Trip Insurance.
IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. Since January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person's sole and exclusive responsibility to determine the insurance requirements applicable to them, and the Company and the administrator shall have no liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including without limitation PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase GlobeHopper Senior plan, please contact us.
Administrator
IMG9200 Keystone Crossing
Suite 800
Indianapolis, IN 46240
Underwriter
Coverage is underwritten and issued by Sirius Specialty Insurance Corporation, rated "A-" (excellent) by A.M. Best and A- by Standard & Poor's (at the time of printing).
FOR ADDITIONAL INFORMATION
Insubuy®, LLC.P.O. Box 260649
Plano, TX 75026
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered and is limited to a brief description of any loss for which benefits may be payable.
Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.
This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by International Medical Group, Inc. and its representatives throughout the world. © 2007-2024 International Medical Group, Inc. All rights reserved.
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