Includes coverage for eligible COVID-19-related medical expenses.
Travel medical insurance protection if you are injured or become ill while traveling abroad.
Why do I need international medical insurance?
While traveling abroad, private or government sponsored health plans may not provide adequate medical coverage. Travel medical plans are designed for those traveling outside the country and offer emergency travel benefits, 24/7 emergency support and an international provider-referral network.
| Schedule of Benefits | WorldMed Inbound | |
|---|---|---|
| Overall Maximum Limit* | $500,000, $1,000,000 or $2,000,000 | |
| Coinsurance - Claims Incurred in the U.S. In-Network Payment | 100% after deductible, up to the overall maximum | |
| Out-of-Network Payment | URC†. You may be responsible for charges exceeding payable amount | |
| Coinsurance - Claims Incurred Outside the U.S. | 100% after deductible, up to the overall maximum | |
| Accidental Death and Dismemberment** | $50,000 | |
| Emergency Medical Evacuation | $1,000,000 | |
| Acute Onset of Pre-Existing Condition††,††† | $200,000 Age 60-64:$20,000 | |
| Return of Minor Children | $50,000 | |
| Repatriation of Remains | $50,000 | |
| Emergency Reunion | $100,000 | |
| Terrorism | $50,000 | |
| Political Evacuation | $100,000 | |
| Urgent Care Facility | $25 co-pay in U.S. | |
| Trip Interruption | $10,000 | |
| Checked Baggage Loss | $500 | |
| Stolen Passport/Visa | $100 | |
| Emergency Dental | $1,000 for accident/$100 for pain relief | |
| Personal Liability | $10,000 | |
| Border Entry Protection | $500 | |
| Included Benefits | ||
| Recreational Sports | Included | |
| World Wide Assistance Services | Included | |
| Optional Add-on Benefits | ||
| Accidental Death & Dismemberment | Optional Add-On | |
| Intercollegiate/Interscholastic Sports Coverage | Optional Add-On | |
| Hazardous Activities | Optional Add-On | |
| Crisis Response | Optional Add-On | |
**Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000
†Usual, reasonable, and customary (URC)
††The Acute Onset of Pre-Existing Conditions maximum benefit for those 60 and older is $20,000, after deductible.
†††Pre-Existing Conditions and Definition of Acute Onset
A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 18 months* prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 18 months* prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 18 months* prior to your effective date of coverage, whether or not it was known to you
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.
*For individuals whose travel does not include the U.S., the pre-existing condition exclusion period is 6 months.Travel Medical Insurance for Health Care Costs Outside Your Home Country
What if you get sick while traveling in a foreign country ... or need to be evacuated due to a medical emergency or an unexpected political crisis?
WorldMed Insurance can help.
This travel health insurance is designed for those traveling outside their home countries for up to 364 days. It provides medical expense and emergency medical evacuation coverage to help protect you while away from home.
International Medical Insurance for less than $1 per day
Our quality international medical insurance costs as little as 98¢ a day***, and covers you for up to 364 days. Coverage is available to you, your spouse, unmarried dependent children, or children traveling alone.
Accident and Sickness Medical Coverage
Reimburses you for covered medical expenses ... or pays them directly to the medical or evacuation provider. You pay the deductible and coinsurance, if applicable. WorldMed also provides emergency assistance services that can refer you to local doctors or hospitals, provide multilingual interpretations, arrange emergency medical evacuation, and keep you in touch with your physician and family back home. Includes coverage for Covid-19. Testing for COVID-19 will only be covered if deemed medically necessary by a physician. The antibody test is not covered, as it is not medically necessary.
Worldwide Assistance Services
Offers emergency assistance 24 hours a day, 7 days a week. Includes medical referrals, translation services, and what to do if emergency travel assistance is needed.
Travel Assistance Benefits
Benefits include reimbursement of reasonable expenses associated with the interruption of your trip due to covered circumstances. Additional benefits include coverage for expenses from lost or stolen passport or checked baggage.
Medical Evacuation
Pays for emergency medical evacuation, along with return airfare to your home or to the location from which you were evacuated.
Optional Add-on Benefits
Additional Accidental Death and Dismemberment Benefits
Add an additional $100,000 of coverage for only 60¢ per person per day.
Intercollegiate/Interscholastic Sports
Provides additional coverage for those participating in intercollegiate or interscholastic sports. This rider is available for an additional $1.25 per person, per day.
Hazardous Activities Rider
Gives you the option of purchasing additional protection to cover your adventures. Only medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
Crisis Response
Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response. Offered at an additional $1.40 per person, per day.
To view the Cancellation and Refund policy, please read the Description of Coverage.
Daily Premium Rates
| WorldMed Inbound $500,000 | WorldMed Inbound $1,000,000 | WorldMed Inbound $2,000,000 | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deductible Per Policy Period | |||||||||||||||
| Age | $0 | $250 | $500 | $1,000 | $2,500 | $0 | $250 | $500 | $1,000 | $2,500 | $0 | $250 | $500 | $1,000 | $2,500 |
| 14 days - 29 yrs | $2.93 | $2.32 | $2.10 | $1.87 | $1.68 | $3.14 | $2.50 | $2.26 | $2.00 | $1.80 | $3.30 | $2.63 | $2.38 | $2.09 | $1.89 |
| 30-39 | $4.03 | $3.20 | $2.89 | $2.56 | $2.30 | $4.33 | $3.44 | $3.11 | $2.74 | $2.47 | $4.55 | $3.61 | $3.26 | $2.88 | $2.58 |
| 40-49 | $6.25 | $5.00 | $4.47 | $4.01 | $3.60 | $6.77 | $5.44 | $4.84 | $4.35 | $3.91 | $7.10 | $5.70 | $5.09 | $4.57 | $4.11 |
| 50-59 | $9.79 | $7.85 | $6.93 | $6.25 | $5.63 | $10.57 | $8.50 | $7.49 | $6.76 | $6.08 | $11.10 | $8.93 | $7.87 | $7.09 | $6.38 |
| 60-64 | $11.98 | $9.61 | $8.52 | $7.69 | $6.91 | $12.92 | $10.40 | $9.20 | $8.31 | $7.47 | $13.57 | $10.92 | $9.67 | $8.72 | $7.85 |
Why should I choose WorldMed?
Our international travel medical insurance goes beyond what many group health policies provide - covering medical emergencies, evacuations, repatriations and more. Whether you need insurance as a business or leisure traveler, expatriate, student, tourist, church or missionary traveler, our plan is designed to provide the travel medical insurance coverage you need. With three plan levels and five deductible options per plan level, WorldMed has plan options to help fit your needs and budget.
Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
You may enroll in WorldMed regardless of how long you have been traveling outside your home country or country of residence.
Who is eligible for WorldMed?
WorldMed is available to anyone, ages 14 days to 64 years, traveling to a foreign country for trip lengths of 5 to 364 days. That includes those traveling to and from the United States.
Administrator
USI Affinity | Travel Insurance Services3805 West Chester Pike
Bldg D, Suite 200
Newtown Square, PA 19073
WorldMed claims are administered by WorldTrips.
Underwriter
Lloyd's of London - Syndicate 4141
FOR ADDITIONAL INFORMATION
Insubuy®, LLC.P.O. Box 260649
Plano, TX 75026
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
Please Note: This is only a brief description of the coverage(s) available. The Policy Description of Coverage may contain reductions, limitations, and termination provisions. Coverage may not be available in all states. Please refer to the complete Description of Coverage for full coverage details. View the Description of Coverage.
Version:
BRO-0077-0321_TRAVEL
04/15/2021