WorldMed™ Insurance
Flexible, Renewable Medical Insurance for Travel or Living Abroad
Highlights | Benefits and Limits | Description of Coverages | FAQ |
Frequently Asked Questions
Note: For more details about the benefits, services and Buy-Up options, please refer to the Description of Coverage.
1. Who is eligible to purchase WorldMed Insurance?
2. Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
3. Will my WorldMed policy go into effect the day I enroll? I need coverage soon.
4. Is it possible to renew my policy?
5. When I renew my policy will I be able to make changes?
6. How will proof of insurance be sent to me?
7. Why are three WorldMed plans offered?
8. If I need medical care, will I have to pay for my expenses at the time of treatment?
10. May I choose any doctor or hospital if I need medical care?
11. Is there a network provider in my area?
13. Does WorldMed cover pre-existing conditions?
14. What is “Home Country Coverage”?
15. Is it safe to purchase WorldMed Insurance online?
16. If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
17. Am I eligible for a partial refund if I return home before my policy expires?
1. Who is eligible to purchase WorldMed Insurance?
Individuals traveling or residing outside their home country or country of residence for up to 4 years may purchase WorldMed. Back to top
2. Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or country of residence. Back to top
3. Will my WorldMed policy go into effect the day I enroll? I need coverage soon.
No. However, your policy can go into effect as early as one day after you submit your Enrollment online. Back to top
4. Is it possible to renew my policy?
Yes. You will receive an email reminder 30 days prior to your coverage Expiration Date. Renew online using our secure renewal form. After completing the online form, you will receive a renewal confirmation by e-mail. The insurance is renewable up to a total of 48 months. Back to top
5. When I renew my policy will I be able to make changes?
Yes, when you renew, you may make changes to your personal information such as: address, email address and/or phone number. If you would like to select a different plan, deductible or different Buy-Up Options, you will need to submit a new Enrollment. Back to top
6. How will proof of insurance be sent to me?
If you buy or renew your coverage online, your receipt and Confirmation of Insurance will be emailed to you. Back to top
7. Why are three WorldMed plans offered?
WorldMed Plans A and B are designed for those who want more complete coverage with high limit, combined Accident and Sickness Medical Expense benefits. WorldMed Lite is a budget alternative, with lower limits and separate Accident and Sickness Medical Expense benefits. Back to top
8. If I need medical care, will I have to pay for my expenses at the time of treatment?
You may have to pay for medical care at the time of treatment depending on the medical facility being used. In the event that the medical facility requires payment up front, you can submit a claim for reimbursement, less your selected deductible and the co-insurance. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the insurance company’s Assistance Service. Back to top
9. What is a deductible?
The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical expenses. All WorldMed plans offer a choice of deductibles. Back to top
- WorldMed Plan A and B: $0, $50, $100, $250, $500, $1,000, $2,500 and $5,000
- WorldMed Lite: $250, $500, $1,000 and $2,500
10. May I choose any doctor or hospital if I need medical care?
Inbound: Traveling to the U.S.
Yes, you may go to your choice of provider. In the U.S., however, there are advantages in using the providers in the MultiPlan Network, WorldMed’s Preferred Provider Network. Network doctors and hospitals charge pre-negotiated rates which help you to reach your benefit limit more slowly. Your benefit limit will not be reduced if you choose to be treated outside the MultiPlan Network, however you may incur higher out-of-pocket costs.
Outbound: Traveling Outside the U.S.
Yes. Outside the U.S., WorldMed does not use a Preferred Provider Network. Therefore, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company can help you locate a doctor or hospital. Back to top
11. Is there a network provider in my area?
Inbound: Traveling to the U.S.
Most likely. For a listing of MultiPlan providers in your area please visit www.multiplan.com, or phone them at 800-672-2140.
Outbound: Traveling Outside the U.S.
Outside the U.S., WorldMed does not use a Preferred Provider Network. The Emergency Assistance Company can help you locate a doctor or hospital. Back to top
12. What is a beneficiary?
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. Back to top
13. Does WorldMed cover pre-existing conditions?
No. A Pre-Existing Condition is defined as, “any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years for Inbound insureds and six months for Outbound insureds prior to the effective date of this insurance.” See WorldMed’s Description of Coverage for a complete list of exclusions. Back to top
14. What is “Home Country Coverage”?
Home Country Coverage, available in WorldMed Plans A and B, is for eligible medical expenses incurred while the insured is back visiting in their home country while still insured under the policy. Coverage is limited to $50,000 or 30 days, whichever is less. Eligible medical expenses are those eligible expenses associated with an accident or illness that has occurred during the insured's temporary stay inside their Home Country. Coverage is subject to the deductible and co-insurance as stated in the Accident and Sickness Medical Expense Benefit. Back to top
15. Is it safe to purchase WorldMed Insurance online?
Yes. We work closely with our programmers to keep our forms in a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from “http” to “https”, to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process. Back to top
16. If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
Yes. You may cancel your insurance prior to your effective date and receive a premium refund, less a $20 processing fee. Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Confirmation of Insurance to Travel Insurance Services. Back to top
17. Am I eligible for a partial refund if I return home before my policy expires?
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 permitted only before coverage starts (see question #16). Back to top
18. After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?
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. Back to top
Contact Information:
Email: worldmed@travelinsure.com
Fax: 610-537-9831
Mail: Travel Insurance Services, 2950 Camino Diablo, Suite 300, Walnut Creek, CA 94597-3991 USA
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. Back to top