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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 364 days 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 364 days.

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

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

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.

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

Send any corrections to us in writing by email to: ecivres, or by fax or mail and we will confirm the changes. When sending correspondence, please include your name, a daytime phone number and reference your Transaction Number.

If the correction results in an increase in premium, please submit your check or credit card payment by fax or mail. When sending credit card details, please include the credit card number, expiration date, security code, and a statement authorizing Travel Insurance Services to charge the additional amount.

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: +1 (866) INSUBUY to learn more about Home Country Coverage options.

May I purchase InterMedical by telephone?

Yes! You may call us at toll Free: +1 (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.

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?

Premiums may be refunded after the certificate effective date subject to the following provisions:

  1. A $25 cancellation fee will apply for administrative costs incurred by us; and
  2. Only the unused portion of the plan cost will be refunded; and
  3. You cannot have filed any claims to be eligible for a premium refund.

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 for individuals under age 70 for $0.60 per person per day, which provides an additional $100,000 Accidental Death & Dismemberment coverage. When purchased, this upgrade raises the AD&D limit to $150,000 for all participants.

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 $0, $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?

This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

Pre-existing Condition means any:

  1. Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 6 months immediately preceding the certificate effective date;
  2. Condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 6 months immediately preceding the certificate effective date; or
  3. Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 6 months immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

See InterMedical's Declaration of Coverage.

Is it safe to purchase Visit USA-HealthCare Insurance online?

Yes. Our programmers 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.

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.

Learn More