Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Non-US citizens age 14-64 traveling outside their home country.
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders.
  • ID card & Visa Letter comes in email instantly.

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  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Up to policy max limit forAverage Semi-private room rate.
  • X-rays & Lab Services: Up to policy max.
  • Emergency room: Up to policy max
  • Medical: Up to policy max.
  • Ambulance: Up to policy max.
  • Loss of Checked Baggage: A benefit of up to a max of $250.

Complete details are given in certificate of insurance.

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  • A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date 
  • Treatment or surgeries which are elective, investigational, experimental or for research purposes
  • Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
  • Injuries as a result of engaging in Hazardous Sports without the purchase of the optional Sports rider.
  • Any injury or illness as a result of the consumption of alcohol or drugs; or for the treatment of substance abuse.
  • Willful self-inflicted injury or illness
  • Treatment for mental and nervous disorders.
  • Organ or tissue transplants or related services.

Complete details are given in certificate of insurance.

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No coverage is avialble

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You may also seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you have access to the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. contracted by IMG. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the U.S., IMG provides its online International Provider AccessSM (IPA), a database of over 17,000 providers.

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Renew

If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to 48 months. Renewals may be completed online or by using a paper application.

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The Insured Person may request cancellation and refund of a premium for this insurance by giving the company written notice prior to the Effective Date of coverage under this certificate. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance:

(a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.

(b) If no claims have been filed with the Company,

(c) a cancellation fee of US$50.00 will be charged; and (ii) only full month premiums will be considered as refundable.

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Each proposed hospital admission, in-patient or out-patient surgery, and other procedures as noted in the Certificate Wording must be Precertified for medical necessity, which means the insured person or their attending physician must call the number listed on the IMG Identification Card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses will be reduced by 50%.

It is important to note that Precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements. For Precertification, emergency evacuation and repatriation, please call: IMG in the U.S.: 1 (800) 628-4664 (toll free) or 1 (317) 655-4500. Call IMG outside the U.S.: 001 (317) 655-4500 (collect if necessary). This information will also be provided on your ID card.

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