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InterMedical Insurance

Frequently Asked Questions

InterMedical Insurance - Frequently Asked Questions

Who may purchase InterMedical Insurance?

U.S. citizens and residents who are traveling outside the U.S. and outside their home country for up to 12 months 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) for up to 12 months.

May I purchase InterMedical if I am already on my trip?

Yes. Coverage can begin as early as the day after enrollment.

May I purchase InterMedical by telephone?

Yes! You may call us at toll Free: (866) INSUBUY, Or if you prefer, you can always mail, fax, or email your completed Enrollment form to us.

How will proof of insurance be sent to me?

Your receipt and Confirmation of Insurance will be emailed to the e-mail address you provide once the enrollment is processed.

I need coverage to begin as soon as possible. Can my InterMedical policy go into effect the day I enroll?

No. However, your policy can go into effect as early as one day after your enrollment is received.

May I extend my coverage if my trip lasts longer than originally planned?

No, InterMedical is not an extendable policy. However, you may enroll for another policy to begin the day after the first policy ends. You will receive another Confirmation of Insurance.

Will InterMedical Insurance cover me when I return to the U.S.?

Please call us at toll Free: (866) INSUBUY to learn more about Home Country Coverage options.

What are the rates for InterMedical Insurance?

Please click on 'Quotes & Purchase' button towards the top of this web page.

What is the maximum Accidental Death coverage available with InterMedical?

InterMedical offers an optional upgrade that provides an additional $225,000 Accidental Death & Dismemberment coverage. When purchased, this upgrade raises the AD&D limit to $250,000 for participants. If more is needed, please call us to learn about additional options.

If I need care, will I have to pay up front for my medical expenses?

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.

What are InterMedical's deductible and co-insurance limits?

The deductible varies by your selection - deductibles offered include $50, $250, $500, and $1,000. 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.

Must I use a network of doctors or hospitals if I need care?

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.

Does InterMedical Insurance cover pre-existing conditions?

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 one year prior to the effective date of this insurance." See InterMedical's Declaration of Coverage.

After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?

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. Contact Information:

Fax: (972) 767-4470
Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

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.

If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?

A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to us.

Will I receive a partial refund if I return home before my policy expires?

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 above).

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 are not 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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