8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun
Yes, you may go to your choice of provider in the U.S. However, the coinsurance will be waived for visitors to the U.S. if expenses are incurred within the PPO network.
Outbound: Traveling Outside the U.S.
Yes, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company to help you locate a doctor or hospital.
A: The Beneficiary is the person (or persons) who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. The Insured will automatically be the Beneficiary for any insured spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.
A: No. A Pre-Existing Condition is defined as, "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...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)...immediately preceding the Certificate Effective Date; (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...immediately preceding the Certificate Effective Date." For travelers inbound to the United States, the exclusion period is 18 months. For travelers outbound from the United States, the exclusion period is six months. See WorldMed's Description of Coverage for a complete list of exclusions.
A: The Home Country Coverage Benefit provides limited coverage under your Medical Expense Benefit while in your home country. For more details, please see the WorldMed Description of Coverage.
A: 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 Travel Insurance Services.
A: 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 considered only before coverage starts.
A: 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 and reference your Online Order Transaction number.
Fax: (972) 767-4470
Insubuy ® , Inc.
4700 Dexter Dr, Suite 100
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 statement authorizing Travel Insurance Services to charge the additional amount.