Insubuy Insurance

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We enable members to worry less and experience more by delivering the protection they need, backed by the support they deserve. We offer a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance — all designed to provide members Global Peace of Mind® while they’re away from home.

  • Global Support. With offices and partners across the globe, we provide the support you need, when you need it. In fact, it's our corporate mission to be there to protect and enhance your health and well-being.
  • Service Without Obstacles. Our team of international, multilingual specialists is accustomed to working in multiple time zones, languages and currencies. Our global reach means we can work without barriers.
  • International Provider AccessSM (IPA). In addition to our expansive PPO network available for treatment received within the U.S., our proprietary IPA network of more than 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.
  • Financial Stability. Our globally recognized underwriters, A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's, offer the financial security and reputation demanded by international consumers.
  • Accessible Technology. Log on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, Live Chat with representatives and more.
  • International Emergency Care. When you're away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

WHY VISITORS CARE?

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.


Don’t let your medical coverage be an uncertainty. Travel with a Visitors Care plan so you can spend more time enjoying your international experience and less time worrying about medical coverage.


Visitors Care offers a broad package of scheduled benefits for individuals traveling and/or temporarily residing outside of their home country for a minimum of five days. There are nine separate options based on deductible levels and maximum limits. Simply select the option that best fits your needs.


ADDITIONAL WORLD-CLASS SERVICES

Service at your fingertips anytime, anywhere — that’s what MyIMG provides. MyIMG is our online member portal that allows you to easily access and manage your insurance information. Our service centers in the U.S. and Europe are always available to handle medical emergencies, but through MyIMG, you have immediate access to a wealth of information about your account and plan, and can manage routine areas to help you save time when you may need it most.


Key features include:

  • Manage your claims
  • Initiate precertification
  • Locate a provider
  • Obtain plan documents
  • Request ID cards
  • Recommend a provider/facility

Universal Rx Pharmacy Discount Savings

This discount savings program allows you to purchase prescriptions at one of more than 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 program is not insurance coverage; it is purely a discount program.


SPECIAL COVERAGES
Incidental Home Country Coverage As described below
During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total (14 days), and retain continuing coverage during such visit(s), subject to: 1) The insured person must have left their home country, 2) The total period of coverage must be for a minimum of 30 days, and 3) The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
Common Carrier
Accidental Death
Insured Person Maximum: $5,000
Family Maximum: $25,000
If accidental death should occur while traveling on a commercial common carrier during the period of coverage, the designated maximum amount will be payable to the designated beneficiary.

OPTIONAL PRE-EXISTING CONDITION RIDER
Heart Care Plus Rider Age
0 - 69
70 +
Benefit Amount
Up to $5,000
Up to $2,500
In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 per period of coverage for ages 0 - 69 and up to $2,500 per period of coverage for ages 70+.

INTERNATIONAL EMERGENCY CARE
Emergency Evacuation Plan A:
Plan B & C:
Up to $25,000
Up to $50,000
The plan includes coverage for emergency medical evacuations to the nearest qualified medical facility in life-threatening situations, expenses for reasonable transportation resulting from the evacuation, and the cost of returning to either the home country or the country where the evacuation occurred. These must be approved and coordinated in advance through the administrator.
Return of Mortal Remains Up to $7,500 for return of mortal remains or $5,000 for cremation/burial
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of $7,500; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death. These must be approved and coordinated in advance through the administrator.

To be eligible for the Evacuation and Return benefits, these must be recommended by the attending physician in life-threatening medical situations, and approved in advance and coordinated by the administrator.


SCHEDULE OF BENEFITS
PLAN A PLAN B PLAN C
$25,000 Lifetime Maximum Limit $50,000 Lifetime Maximum Limit $100,000 Lifetime Maximum Limit
INPATIENT TREATMENT
Hospital Room & Board Up to $825 per day, 30 day maximum per period of coverage Up to $1,400 per day, 30 day maximum per period of coverage Up to $1,950 per day, 30 day maximum per period of coverage
Intensive Care Up to an additional $400 per day, 8 day maximum per period of coverage Up to an additional $660 per day, 8 day maximum per period of coverage Up to an additional $850 per day, 8 day maximum per period of coverage
Surgeon Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Specialist Consultation Up to $350 per period of coverage Up to $450 per period of coverage Up to $500 per period of coverage
Private Duty Nursing Up to $400 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Inpatient Physician Up to $40 per visit, 30 visits per period of coverage Up to $55 per visit, 30 visits per period of coverage Up to $85 per visit, 30 visits per period of coverage
OUTPATIENT TREATMENT
Surgeon Up to $2,000 per surgical session Up to $3,300 per surgical session Up to $5,500 per surgical session
Surgical Facility Up to $750 per surgical session Up to $900 per surgical session Up to $1,000 per surgical session
Pre-admission Testing Up to $750 per period of coverage Up to $1,100 per period of coverage Up to $1,100 per period of coverage
Diagnostic Laboratory & Radiology Up to $650 per period of coverage Up to $800 per period of coverage Up to $950 per period of coverage
Hospital Emergency Room Up to $200 per visit Up to $330 per visit Up to $550 per visit
Prescriptions Up to $150 per period of coverage Up to $250 per period of coverage Up to $250 per period of coverage
Outpatient Physician Up to $50 per visit, 10 visits per period of coverage Up to $55 per visit, 10 visits per period of coverage Up to $85 per visit, 10 visits per period of coverage
Physical Therapy Up to $25 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage Up to $40 per visit per day, 12 visits per period of coverage
Extended Care Facility Up to $150 per day, 15 day maximum per period of coverage Up to $200 per day, 15 day maximum per period of coverage Up to $250 per day, 15 day maximum per period of coverage
MISCELLANEOUS INPATIENT & OUTPATIENT TREATMENT
Anesthesia Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
Assistant Surgeon Up to $450 per surgical session Up to $825 per surgical session Up to $1,375 per surgical session
OTHER COVERAGES
Emergency Local Ambulance Up to $250 per period of coverage Up to $450 per period of coverage Up to $450 per period of coverage
Dental Accident Up to $350 per period of coverage Up to $550 per period of coverage Up to $550 per period of coverage
Terrorism Up to $50,000 per period of coverage Up to $50,000 per period of coverage Up to $50,000 per period of coverage

All coverages, benefits and premium amounts are in U.S. dollars.
Usual, reasonable and customary charges. Subject to deductible and coinsurance where applicable.


RATES AND PLAN INFORMATION

PLAN A - $25,000 MAXIMUM BENEFIT PER LIFE OF PLAN


  Option 1 - $0 deductible per period of coverage Option 2 - $50 deductible per period of coverage Option 3 - $100 deductible per period of coverage
Age One Month Daily One Month Daily One Month Daily
2 weeks - 29 $23 $.77 $19 $.64 $17 $.57
30 - 39 $26 $.87 $22 $.74 $19 $.64
40 - 49 $27 $.90 $23 $.77 $20 $.67
50 - 59 $38 $1.27 $31 $1.04 $29 $.97
60 - 69 $47 $1.57 $39 $1.30 $36 $1.20
70 - 79 NA NA $61 $2.04 $58 $1.94
80+* NA NA $122 $4.07 $116 $3.87
Dependent
child
$21 $.70 $17 $.57 $16 $.54

*The maximum amount of coverage for applicants who are 80 years of age or older is $10,000.


PLAN B - $50,000 MAXIMUM BENEFIT PER LIFE OF PLAN


  Option 4 - $0 deductible per period of coverage Option 5 - $50 deductible per period of coverage Option 6 - $100 deductible per period of coverage
Age One Month Daily One Month Daily One Month Daily
2 weeks - 29 $34 $1.14 $29 $.97 $26 $.87
30 - 39 $40 $1.34 $34 $1.14 $31 $1.04
40 - 49 $41 $1.37 $35 $1.17 $32 $1.07
50 - 59 $57 $1.90 $49 $1.64 $44 $1.47
60 - 69 $71 $2.37 $59 $1.97 $55 $1.84
70 - 79 NA NA $91 $3.04 $86 $2.87
Dependent
child
$31 $1.04 $26 $.87 $23 $.77

PLAN C - $100,000 MAXIMUM BENEFIT PER LIFE OF PLAN


  Option 7 - $0 deductible per period of coverage Option 8 - $50 deductible per period of coverage Option 9 - $100 deductible per period of coverage
Age One Month Daily One Month Daily One Month Daily
2 weeks - 29 $50 $1.67 $41 $1.37 $38 $1.27
30 - 39 $55 $1.84 $46 $1.54 $43 $1.44
40 - 49 $56 $1.87 $47 $1.57 $44 $1.47
50 - 59 $79 $2.64 $65 $2.17 $60 $2.00
60 - 69 $104 $3.47 $87 $2.90 $85 $2.84
70 - 79 NA NA $136 $4.54 $132 $4.40
Dependent
child
$44 $1.47 $37 $1.24 $34 $1.14

All premium rates are effective as of 4/1/17. The administrator reserves the right to issue the most current rates in the event these expire, are modified or replaced with a newer version. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.


CONDITIONS OF COVERAGE
  1. Coverage and benefits are subject to the applicable deductible and scheduled limits and sub-limits, and all other terms, conditions and exclusions of the Visitors Care plan as described in the complete Certificate of Insurance.
  2. Coverage under the plan is secondary to any other available coverage or benefits.
  3. Coverage and benefits are for medically necessary, and usual, reasonable and customary charges only.
  4. Treatment must be administered or ordered by a physician.
  5. Charges must be incurred during the period of coverage.
  6. Claims must be presented to the claims department for payment within ninety (90) days from the date the claim was incurred.

ELIGIBILITY

The following conditions (among others) apply to all persons applying for and/or enrolling in the Visitors Care plan:

  • Visitors Care is travel insurance for non-U.S. citizens traveling outside their home country and/or country of citizenship.
  • For those over age 65 and visiting the U.S., your initial period of coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid insurance. Please provide the name of your insurance carrier on the application form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your application form.

RENEWAL OF COVERAGE

If your Visitors Care plan is purchased for a minimum of five days, coverage may be renewed (unless there is a break in coverage) for a total of up to two years. Renewals are available in whole month or daily increments and may be completed online. For each renewal you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12-month coverage period.


Please note: Renewal rates may differ from initial rates.

  • 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 the Patient Protection and Affordable Care Act (PPACA).

QUALITY GUARANTEE

Your satisfaction is very important to us. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. In order to be considered for a full refund, your request for cancellation must be received by us prior to your effective date. If you do not have any claims filed with the claims department, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a $25 cancellation fee and 2) your refund will be pro-rated based on the amount of time remaining in your period of coverage. If you have filed claims, your premium is non-refundable.


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 IMG 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 Visitors Care, please contact your attorney or CPA.


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. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.


This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by International Medical Group and its representatives throughout the world. ©2007-2017 International Medical Group. All rights reserved.


Administrator

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


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

Web site: insubuy.com


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