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For All Travelers International Health
Insurance For Missionaries Travel Medical Insurance for Missionaries
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Frequently Asked Questions |
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1. Why do I need International Health Insurance? Because most US domestic health care policies, including Medicare, DO NOT cover you for treatment of illness or injury while you are away from your country of origin. Even if they do, they are usually not equipped to handle the logistical challenges of language, transportation, repatriation or claim processing that a medical stay or treatment in a foreign country may cause. If you are a Non-US citizen, the same holds true. National Health Plans of most countries will not pay claims incurred outside of your country or the USA. And US Visa eligibility may be dependent on showing proof of adequate coverage. 2. You have so many plans for International/Travel Medical insurance. How do I decide which one is for me? We have different plans to suit your individual needs based on your plans for travel. Use the table below to help determine which type of coverage meets your particular requirements. The products are linked to more detailed plan information within this site.
Still not sure? Contact via Email or phone (1-866-895-0147). 3. How do I purchase insurance? There's three simple ways to purchase:
Phone: We can also take your application over the phone at 1-866-895-0147 4. When does my coverage become effective? You will have coverage from the latest of the following dates:
For Global Medical Insurance, the effective date of the insurance will be the later of:
Coverage ends on the earliest of the following date:
6. When should I buy the insurance? Since coverage begins on the date you specify, as soon as your trip is confirmed, you may purchase the insurance. Simply select the start date to coincide with the date of departure from your home country. 7. My relative is not here. Can I buy it for them? Yes. Anyone can purchase the plans online as proxy on behalf of their family members. 8. My trip has already started. Can I purchase now? Not to worry. You can arrange coverage from anywhere in the world. It just takes a few minutes and you are covered subject to clearance of payment. The effective date in this situation is 12:01AM on the day following the date of purchase. 9. I left this to the last minute and don't have time to receive insurance documents in the mail. How can I obtain those? The best way is to purchase online via a credit card. With that, you will receive a confirmation Email within the hour. You may print that page, which includes your Certificate Number, as a temporary confirmation of your order. In addition, the on-line transaction will ask for an address for which to send the physical policy and ID cards. If you need paper documentation of coverage immediately, you may still do the same on-line purchase as above (and still receive the confirmation email with Certificate Number) and request “Express Delivery” of the physical policy. Express Delivery will be sent to the address you specify for an additional US$20. 10. Can I be turned down for coverage? The Patriot and Outreach Travel International Health Plans are guaranteed issue, regardless of health history. The Global and Global Mission Medical Insurance plans are subject to medical underwriting. 11. I am leaving on a trip for 10 days, what should I do? New for 2004 are daily rates for the Patriot International and the Patriot America products. Patriot plans can now be issued for a minimum of 10 days and daily thereafter if your trip is less then 30 days. Therefore, 12. I am a US citizen who travels often, which plan should I buy? If you happen to make frequent trips less than 30 days each trip, the Patriot Executive is best suited to your needs. This plan allows you to take as many trips outside your country of citizenship each year as long as each trip is less than 30 consecutive days in duration. This plan is only available to US citizens who are covered by a primary health insurance plan via their employer. 13. What is IMG's refund policy? IMG will refund the policy premium if the policy was cancelled by the insured in writing prior to the effective date of the policy. You will not be refunded once the coverage starts. You need to contact IMG directly to cancel your policy. 14. If I have a claim while traveling overseas, what do I do? Contact IMG directly ASAP. Click here to access information for IMG's contact page, and claims page. 15. Do I need to have primary health insurance to buy the single trip Patriot travel medical insurance? No. Only the multi-trip Patriot Executive plan requires you to have primary health insurance coverage. 16. I am traveling for 6 months or more, which Patriot Plan should I buy? The Patriot ExPatriot Plus is your best bet. IMG is the administrator of the International Travel Health Plans. The plans are underwritten by SIRIUS International. Read more HERE. 18. I have a question that's not listed here. Who do I call? f you still have questions, we'd love to help. Contact us via Email now! |
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Customer Service
Assistance is available from 8:00am to 4:pm Central
Standard Time |