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InterMedical®

Quality Medical and Emergency Medical Evacuation Insurance for Travel Outside your Home Country and the U.S.

5 Days to 364 Days

How InterMedical Insurance Works

First

You pay the deductible once per policy period, even for a visit to the doctor's office.

Then

Plan pays 100% up to the selected policy maximum.

Overview

InterMedical is a comprehensive coverage plan for people who are traveling outside the U.S. and outside their home country, for up to one year. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as today or any future date you specify. As soon as you make a purchase, you will receive a confirmation of coverage in your email.

What is covered and not covered?

The insurance company will generally pay for new medical conditions, injuries (caused either by accidents or otherwise) or sicknesses that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.

Prescription drugs are covered like any other eligible medical expenses. Emergency Dental Treatment to sound and natural teeth is covered up to $1,000 in the case of an accident under this insurance, and up to $100 for acute pain to sound and natural teeth.

InterMedical provides coverage anywhere outside the United States including travel time as well. It also includes coverage for loss of checked luggage.

How much is covered?

First, you will have to pay your chosen deductible once per policy period (varies from $0 to $1,000) before the insurance company begins paying anything for the covered expenses, even for doctor visits. The deductible is not just for the hospitalization. There is no concept of copay.

After that, the plan pays 100% up to the selected policy maximum, either $50,000 or $100,000.

Example:

Lets assume that you have purchased a $100,000 policy maximum with a $50 deductible for 3 months.

  • The first time you visit the doctor, lets assume that a doctor charges you $150. You will have to pay the first $50. The insurance company will pay the remaining $100.

    For any subsequent treatment for the same condition, you don't have to pay the deductible again. The insurance company will pay 100% for covered medical expenses, up to $100,000. If you incur any expenses beyond $100,000 per incident, you will be responsible to pay that amount.

  • Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. After you pay the deductible of $50, the insurance company will pay the rest.

Benefits Updated: 06/2018

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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