WorldMedTM Insurance offers comprehensive insurance coverage for international travel outside of the United States. WorldMed Outbound Insurance provides coverage anywhere outside the U.S. for U.S. Citizens and U.S. residents that are at least 14 days old through 69 years. The coverage duration can be as little as 5 days up to 364 days.
Travelers coming from the U.S. can easily get an instant quote and complete a purchase online using this web site. The soonest your policy can be effective is the next day; once you complete enrollment you will receive your ID card and other policy documents by email.
What is covered and not covered?
After the effective date of the policy repatriation, emergency evacuation, AD&D, loss of checked luggage, and new medical conditions, (such as injuries caused either by accidents or otherwise, or sicknesses) are some of the typically covered benefits. Expenses related to pre-existing conditions, routine care, immunizations or maternity will not be covered.
Prescription drugs are covered for any eligible treatment of an Injury or Illness.
Coverage for dental treatment is included only for emergency relief of acute onset of pain, and damage to sound, natural teeth due to an accident.
Optional coverages such as Enhanced AD&D, Intercollegiate/Interscholastic Sports, and Hazardous Activities can be included at purchase. See details of optional coverage in the certificate wording or call us for assistance.
How do I use the insurance?
It may be necessary to pay for medical care at the time of treatment depending on the facility being used. If the medical facility requires you to pay upfront, you should submit a claim for reimbursement.
You can also search for international providers.
How much is covered?
First, you will have to pay your chosen deductible once per policy period (choose from $0, $250, $500 or $1,000) before the insurance company starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for hospitalization. There is no concept of co-pay.
During travel outside the U.S., expenses are covered 100% up to the selected policy maximum, ranging from $500,000 to $1,000,000, after the deductible is met.
Let's assume that you have purchased a $500,000 policy maximum with a $500 deductible for 3 months.
Let's assume that the doctor charges you $250 for a visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $250 yourself, the plan does not pay anything yet.
The next time you visit the doctor he charges $300 for the visit, you will have to pay $250 yourself, the plan pays the remaining $50.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 100% of the covered medical expenses up to $500,000.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $500 deductible and the insurance company will pay the rest.