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Outreach International®

Short-term travel medical insurance for missionaries

5 Days to 2 Years

Since 1990, the administrator has provided global benefits and assistance services to millions of customers in nearly every country around the world. Owned by Sirius Group, a multibillion-dollar, AM Best "A-" rated insurance industry leader, the administrator is uniquely positioned to deliver the Global Peace of Mind® our members need.

  • 24/7 medical and travel assistance services
  • Multilingual staff & claims administrators
  • Highly trained customer service professionals
  • Core values driven by a commitment to customers
  • Customer service centers located in the U.S. and U.K.
  • Financial security to fulfill our promise when you need it most

Get Covered Away From Home

International travel can become a scary situation if you're not prepared for a medical emergency. Most travelers assume they're already covered by their standard medical plan-but that isn't always the case. While domestic plans provide sufficient coverage at home, most are not designed to provide the coverage and assistance required for international travel. Don't let your medical coverage be an uncertainty. Choose the Outreach Travel Medical Insurance plan that meets your needs and spend more time enjoying your international experience-not worrying about your medical coverage.

Outside the U.S.

Outreach International offers coverage for those traveling outside the United States:

  • Maximum limits:
    Individual: $50,000 to $2,000,000
    Group: $100,000, $250,000, $1,000,000
  • Deductible:
    Individual: $0 to $2,500
    Group: $0 to $250
  • Extensions: Up to 24 continuous months
  • Sudden and unexpected recurrence of pre-existing conditions: Up to the maximum limit
  • Incidental trip: Up to 2 weeks
  • Coinsurance:
    The administrator pays 100% outside of the U.S.

Summary of Benefits

Inpatient or Outpatient Services
Eligible Medical ExpensesUp to the maximum limit
COVID-19/SARS-CoV-2 CoverageCOVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all the other Terms and conditions of this insurance.
Physician Visits/ServicesUp to the maximum limit
Hospital Emergency Room: Inside the U.S.Up to the maximum limit.
Injury: not subject to additional deductible
Illness: additional $250 deductible if not admitted
Hospital Emergency Room: Outside the U.S.Up to the maximum limit.
Hospitalization/Room & BoardAverage semi-private room rate up to the maximum limit. Includes nursing service.
Intensive CareUp to the maximum limit
Outpatient Surgical/Hospital FacilityUp to the maximum limit
LaboratoryUp to the maximum limit
Radiology/X-rayUp to the maximum limit
Chemotherapy/Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
SurgeryUp to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon20% of the primary surgeon's eligible fee
AnesthesiaUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Chiropractic Care
Medical order or treatment plan required
Up to the maximum limit
Physical Therapy Treatment
Medical order or treatment plan required
Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute facility
Up to the maximum limit
Home Nursing Care
Upon direct transfer from an acute facility
Provided by a home health care agency
Up to the maximum limit
Prescriptions
Prescriptions
Dispensing limit per prescription: 90 days
Up to the maximum limit
Emergency Services
Not subject to deductible and coinsurance unless otherwise noted.
Emergency Local Ambulance
Injury or illness reulting in an inpatient hospital admission
Up to the maximum limit
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company. Individual plans only.
$500,000 maximum limit
Emergency Reunion
Must be approved in advance by the company. Individual plans only.
Up to $50,000 lifetime maximum
Interfacility Ambulance Transfer
Transfer must be a result of an inpatient hospital admission
Up to the maximum limit
Political Evacuation & Repatriation
Must be approved in advance by the company. Individual plans only.
Up to $10,000
Return of Minor Children
Must be approved in advance by the company. Individual plans only.
Up to $50,000
Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company. Individual plans only.
Up to $50,000 for return of mortal remains or $5,000 for cremation/burial
Other Services
Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident
$25,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death$50,000 per insured adult and $250,000 maximum limit per family.
Not subject to deductible.
Emergency Dental Treatment$100 maximum limit due to dental accident. Subject to deductible and coinsurance.
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Hospital Indemnity$100 per overnight inpatient hospitalization, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft AssistanceUp to $500. Not subject to deductible.
Incidental Trip14 days maximum
Lost Luggage$50 per item; $250 maximum limit. Not subject to deductible.
Natural Disaster$100 per day and maximum limit of 5 days for accommodations. Not subject to deductible.
Terrorism$50,000 maximum limit. Not subject to deductible.
Trip InterruptionUp to $5,000. Not subject to deductible.
Emergency Hospital Admission
Direct Transfer from Emergency Medical Evacuation
Group Plans Only
Emergency Admission upon direct transfer via a Company approved Emergency Medical Evacuation where the underlying medical condition is not provided for under this Insurance.
Maximum limit: $20,000
The maximum limit is not in addition to the Sudden and Unexpected Recurrence of a Pre-existing Maximum limit.

Outreach Assistance Services

Outreach assistance services are available on group plans, subject to accepting the terms and conditions of the MSA. The group applicant will need to agree to terms and conditions of all related assistance services during the application process.

Emergency Medical Transport Services

In a medical emergency, the administrator provides Emergency Medical Transport Services that have a proven track record of helping travelers get the care they need. The administrator also helps contain program costs and coordinates communications across borders and constituents every step of the way home. The transportation services outlined under Emergency Medical transport are included at no additional cost.

  • Emergency Medical Evacuation
  • Return of Dependent Children
  • Repatriation of Mortal Remains
  • Return of Traveling Companion
  • Medical Repatriation
  • Visit of Family Member/Friend (Reunion)
  • Dispatch of Physician
  • Vehicle Return

Security Assistance Services

Security and safety may be a traveler's biggest concern while away from home. Give your travelers hands-on guidance and peace of mind in the event of safety threats. Security evacuation services outlined in this section are offered to the member for up to 4 days of security evacuation coordination.

  • Political Evacuation
  • Natural Disaster Evacuation

Additional Fees May Apply

Expand Your Coverage

It's easy to customize your coverage to best meet your needs while away from home. When submitting your online or paper application, simply add the riders you need to the plan you've selected.

    Adventure Sports Rider

    If you're a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your travel insurance policy.

    Lifetime Maximum
    Age 0-49: $50,000
    Age 50-59: $30,000
    Age 60-64: $15,000

    Chaperone/Faculty Leader Replacement Rider*

    If you are the designated chaperone/faculty leader and experience an unexpected death of a relative, a medical emergency, or the destruction of your residence that causes you to cancel or interrupt travel, this rider covers reimbursement for a round trip economy airline ticket up to $3,000 for a replacement chaperone/faculty leader.

    Evacuation Plus Rider**

    While Outreach 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: Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole-month increments.

    Enhanced Accidental Death & Dismemberment Rider (AD&D)**

    Accidents can happen-wouldn't you rather be prepared, especially when you're away from home? The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

    Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.

    *Rider option is available on group plans only.
    **Rider option is available on individual plans only.

Innovative Technology & Member Services

    Self-Service Member Portal

    The administrator provides service at your fingertips, giving you the information and tools to manage your plans anytime, anywhere, through award-winning, easy-to-use technology. You'll have immediate access to these important resources online, including our 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, 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 18,550 physicians and facilities
    • Direct billing arrangements that minimize time and upfront expense

How To Get Covered

    Step 1:

    Contact us directly to obtain an application or to apply online.

    Step 2:

    Complete your application: If applying as a family, you may include yourself, your spouse, and dependents on one application. Please complete a group application if you have two or more primary insureds.

    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!

How To Extend Your Coverage

To meet the needs of our customers, Outreach plans can be extended for up to a 365-day period until reaching a maximum of 24 continuous months. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage. To renew your coverage, please visit MyAccount.

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. As of 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 Outreach Travel Medical Insurance, please contact your attorney or CPA.

Outreach International® Individual Rates 2021 Rates below reflect a $250 deductible

Individual Daily Rate

Maximum Limit
Age$50,000$100,000$500,000$1 Million$2 Million
18-29$0.84$1.00$1.16$1.37$1.73
30-39$1.00$1.16$1.58$1.79$2.31
40-49$1.79$1.89$2.15$2.42$3.15
50-59$2.97$3.41$3.80$3.96$5.06
60-64$3.58$4.29$5.06$5.94$6.66
65-69$4.88$5.19$6.00$7.13$9.13
70-79$7.13N/AN/AN/AN/A
80+*$14.19N/AN/AN/AN/A
Dep. Child$0.74$0.89$1.05$1.16$1.31
Child Alone$0.84$1.00$1.16$1.37$1.68

*10,000 Maximum

Enhanced AD&D Rider*

Up to $100,000 additional coverage$8 per month
Up to $200,000 additional coverage$16 per month
Up to $300,000 additional coverage$24 per month
Up to $400,000 additional coverage$32 per month

*Available to the primary Insured on individual plans only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.

Evacuation Plus Rider*

Premium per covered insured$45 per month

*Available to the primary insured on individual plans only. Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole-month increments.

Chaperone/Faculty Leader Replacement Rider (Group Plans Only)

10% Increase of base premium

Adventure Sports Rider (Group and Individual Plans)

20% Increase of base premium

Additional Deductible Options

Deductible$0$100$250$500$1,000$2,500
Rate Factor1.251.101.00.90.80.70

Group Rates (Groups of 5 or more)

Group must select one option only and one deductible for the entire group. The maximum benefit for ages 70-79 is always limited to $100,000 regardless of what maximum benefit the group selects, and the premium will be the same for all ages based on the table below.

Maximum BenefitTotal Daily Rates
Deductibles$0$100 $250
Option 1 - $100,000 Max$2.68 $2.40 $2.18
Option 2 - $250,000 Max$2.95 $2.62 $2.40
Option 3 - $1,000,000 Max$3.23 $2.90 $2.62

New premium rates per Insured Person are effective May 31, 2021 for eligible individuals whose applications are approved by the administrator. The administrator reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified or are replaced.

Administrator

IMG
P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA

FOR ADDITIONAL INFORMATION

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

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 for a premium and are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. Services are non-insurance benefits separately governed under the Master Services Agreement and offered for an additional cost. Certain insurance contracts and service agreements do contain pre-existing condition exclusions and do not cover losses or expenses related to pre-existing conditions.

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. © 2007-2021 International Medical Group, Inc. All rights reserved.

Version: 0521
CM00501312A210308

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

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Purchase travel medical insurance that includes emergency medical evacuation.

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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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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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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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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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