(866) INSUBUY
(866) 467-8289
Mon-Fri: 8 AM - 9 PM CST Sat-Sun: 8 AM - 5 PM CST Source ID: Insubuy
  • Contact Us
(866) INSUBUY467-8289Mon-Fri: 8 AM - 9 PM CSTSat-Sun: 8 AM - 5 PM CST

InterMedical

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

5 Days to 364 Days

  • Rates starting under $1.00 per day
  • Coverage from 5 days to 364 days
  • Covers many recreational activities
  • No age limit
  • Meets Schengen Visa requirements

Yes, It Can Happen to You...

Every year, people traveling to foreign countries may require emergency medical treatment, hospitalization or medical evacuation back to their home country. Doctors, clinics, and hospitals may charge you prices comparable to those in the U.S. However, when traveling outside of your home country, obtaining qualified medical care may be difficult. If emergency treatment or medical evacuation is necessary, the cost to you can become very expensive in a hurry.

"But I Have Health Insurance..."

Your present health care insurance may not pay for medical expenses incurred while traveling. Medicare and Medicare supplements may offer little or no protection outside the U.S. and its possessions and territories.

And while having health insurance may help at home, many medical policies do not pay for medical vacuation. An air ambulance to North America can cost upwards of $20,000 for one-way travel alone.

Source: On-Call International

There Is a Beneficial Solution!

InterMedical Insurance is designed specifically for people who are traveling outside the U.S. and outside their home country. If you are injured or become ill while on your trip, you can rely on InterMedical to assist you with your covered medical expenses. Major expenses can be paid directly to the medical provider and evacuation/repatriation transportation service.

Who Is Eligible for InterMedical?

InterMedical provides Accident and Sickness Medical Coverage, Travel Assistance, and Accidental Death and Dismemberment benefits to those traveling outside the U.S. and outside their home country. Coverage is available for you, a second adult, unmarried dependent children, or children traveling alone. The minimum period of coverage that can be purchased is 5 days, for up to 364 days.

Why Should I Choose InterMedical?

Travel Insurance Services takes the guesswork out of insurance for those traveling outside the United States. InterMedical is a plan designed specifically to meet the needs of international travelers. And InterMedical meets the Schengen Visa requirements for many travelers. This level of travel protection is ideal for business and leisure travelers, tourists, holiday travelers, church or missionary travelers, or expatriates who are newly moved to another country.

Why Do I Need International Medical Insurance

Private, nationalized, or government sponsored health plans rarely provide adequate medical coverage for injuries or illnesses which occur while traveling. Most travelers are unaware of how expensive medical care is, and may be unprepared for the bills. Additionally, medical facilities may not recognize insurance provided by a foreign insurance company and could deny services or demand up-front payment for treatment.

Cancellations & Refunds

Cancellations and Refunds of an insurance policy can be considered when a written request is received prior to the Effective Date. After the Effective Date, the premium is considered fully earned and non-refundable. Partial refunds are not available. All refunds are subject to a $25 processing fee. Please mail, fax, or email a refund request.

Included Benefits

BenefitsPlan A LimitPlan B Limit
Minimum Coverage5 days5 days
Maximum Coverage364 days364 days
Medical Expenses**$25,000$100,000
Coinsurance100%100%
Emergency Medical Evacuation$250,000$250,000
Accidental Death & Dismemberment$50,000$50,000
Repatriation of Remains$50,000$50,000
Political Evacuation$50,000$50,000
Emergency Reunion$15,000$15,000
Return of Minor Children$50,000$50,000
Terrorism$50,000$50,000
Emergency Dental$1,000/$100 for pain relief$1,000/$100 for pain relief
Trip Interruption$5,000$5,000
Baggage Loss$250 per bag/$500 max.$250 per bag/$500 max.
Stolen Passport/Visa$100$100
Included Benefits
Recreational SportsIncludedIncluded
World Wide Assistance ServicesIncludedIncluded
Optional Add-On Benefits
Additional Accidental Death & DismembermentOptional Add-OnOptional Add-On
Intercollegiate/Interscholastic Sports CoverageOptional Add-OnOptional Add-On
Hazardous ActivitiesOptional Add-OnOptional Add-On

***The Medical Expense Benefit Limit for those 70 and above is as follows: 70-79: $25,000; 80 and above: $10,000.

+ Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-69: $50,000; 70-74: $20,000; 75 and above: $10,000. Additional Accidental Death and Dismemberment is not available for those 70 and above.

World Wide Assistance Services*

World Wide Assistance Services is available 24 hours a day, 7 days per week, can help you in your native language, and is included in your policy. Doctors and nurses are available on staff to help determine what care you need, where you can go for treatment, and what to do in the event that emergency travel assistance is needed. We make sure you never go alone!

*World Wide Assistance Services are provided by World Service Center.

Daily Premium Rates

 Plan A $25,000Plan B $100,000
Deductible Per Policy Period
Age$0$250$500$1000$0$250$500$1000
14 Days - 17$1.00$0.80$0.72$0.64$1.29$1.03$0.93$0.82
18-29$1.00$0.80$0.72$0.64$1.29$1.03$0.93$0.82
30-39$1.15$0.92$0.83$0.74$1.58$1.26$1.13$1.01
40-49$1.85$1.48$1.33$1.18$2.94$2.35$2.12$1.88
50-59$2.95$2.36$2.12$1.89$5.11$4.09$3.68$3.27
60-64$3.55$2.84$2.56$2.27$6.28$5.02$4.52$4.02
65-69$4.15$3.32$2.99$2.66$7.48$5.98$5.38$4.78
70-79**$6.01$4.81$4.33$3.85N/AN/AN/AN/A
80+**$15.00$12.00$10.80$9.60N/AN/AN/AN/A

**The Medical Expense Benefit Limit for those 70 and above is as follows: 70-79: $25,000; 80 and above: $10,000.

+ Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-69: $50,000; 70-74: $20,000; 75 and above: $10,000. Additional Accidental Death and Dismemberment is not available for those 70 and above.

Accidental Death & Dismemberment Coverage

InterMedical Insurance includes $50,000+ of Accidental Death and Dismemberment coverage built into the plan. For only $0.25 per person per day, you can purchase an additional $50,000 of coverage. This additional coverage is not available for those aged 70 or above.

Intercollegiate/Interscholastic Sports

InterMedical Insurance includes coverage for recreational sports. For those planning to participate in Intercollegiate, Interscholastic, or Organized Amateur Sports, additional coverage is available for an additional $1.25 per person, per day.

Hazardous Activities

Planning on partaking in hazardous activities while away? InterMedical Insurance features an additional Hazardous Activities rider, to cover your adventures. This coverage is available for an additional cost of 20% of your total premium. Only medical expenses are covered under the hazardous activities rider.

Administrator

USI Affinity | Travel Insurance Services
One International Plaza, Suite 400
Philadelphia, PA 19113

InterMedical Insurance claims are administered by Tokio Marine HCC - MIS Group.

Underwriter

Lloyd's of London - Syndicate 4141

FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

Please note: This is only a brief description of the coverage(s) available. The Policy may contain reductions, limitations, and termination provisions. Coverage may not be available in all states. Please refer to the complete policy for full coverage details.and termination provisions. Coverage may not be available in all states. Please refer to the complete policy for full coverage details.

Version: R062016

Did you know?

Prices are regulated by law.

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

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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