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International Medical Insurance


InterMedical Insurance®

Travel insurance for medical emergencies outside your home country


This plan is designed for travelers who have left their home country and need medical protection outside the U.S.

Coverage Options

Our quality international medical and medical evacuation insurance costs as little as $0.64 a day.

Customize Your Plan for Your Needs

We offer two coverage limits and four deductibles, plus optional add-ons, so you can build exactly the coverage you need.


About InterMedical Insurance

People traveling to foreign countries may require emergency medical treatment, hospitalization or medical evacuation back to their home country. When traveling outside of the United States and your home country, obtaining qualified travelers insurance and medical care may be difficult.

Our InterMedical Insurance plan is international medical insurance designed specifically for people who are traveling outside the U.S. and outside their home country. If you suffer an injury or unexpected illness while on your trip, you can rely on InterMedical travelers insurance to assist you with your covered medical expenses. Major expenses can be paid directly to the medical provider and the evacuation or repatriation transportation service.

Our quality international medical insurance and medical evacuation insurance costs as little as $0.64 per day, and you'll be covered for 364 days. Coverage is available for the insured, a spouse, unmarried dependent children, or children traveling alone.

Instant delivery of your Confirmation of Insurance by email when you enroll online.

You can choose from two coverage limits, each with a choice of deductibles to fit your budget:

Enhanced Coverage Options
InterMedical Insurance also provides optional buy-up coverage for the following:

  • Additional Accidental Death and Dismemberment: For only $0.25 per day, you can add an additional $50,000 to your benefit. This benefit is not available for individuals over 70 years old.
  • Intercollegiate/Interscholastic Sports: An Intercollegiate/Interscholastic Sports Rider is available for those participating in intercollegiate or interscholastic sports during their visit for an additional $1.25 per person per day.
  • Hazardous Activities: For those planning to participate in hazardous activities during their international travel, an additional rider is available for purchase for an additional 20% of your premium. Only medical expenses are covered under this benefit. Click here for the full list of hazardous activities.

It's easy to buy InterMedical Insurance now!
It's your choice to quote and buy online, by phone, or by mail.
Be sure to review the InterMedical Insurance Description of Coverage and Rates before enrolling in this international insurance coverage.

Services Provided By

Insurance is underwritten by HCC Medical Insurance Services, LLC (HCCMIS), a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

The policy is designed and marketed by Travel Insurance Services, Columbus, OH, a provider of travel/health insurance since 1973.

InterMedical Insurance is also available through certain insurance agents and brokers throughout the U.S.

This insurance coverage, offered by HCC Medical Insurance Services, does not meet the minimum standards required by the health care reform law. The policy above contains the plan benefits, including a lifetime maximum. Please review your choices prior to purchasing to ensure that you have sufficient coverage to meet your medical needs.

Compare Benefits

Note: For more details about the benefits, services and buy-up options, please refer to the Description of Coverage.



Minimum Stay 5 days 5 days
Maximum Stay 364 days 364 days
Illness and Injury Medical
$25,000 $100,000
Deductible $0, $250, $500, and $1,000 $0, $250, $500, and $1,000
Coinsurance 100% 100%
Emergency Medical
$250,000 $250,000
Political Evacuation $50,000 $50,000
Natural Disaster $100/day; $500 max. $100/day; $500 max.
Repatriation of Remains $50,000 $50,000
Emergency Reunion $15,000 $15,000
Escort of Minors $50,000 $50,000
Accidental Death and Dismemberment✝ $50,000 $50,000
Baggage Loss $250 per bag; Max $500 $250 per bag; Max $500
Trip Interruption $5,000 $5,000
Stolen Passport/Visa $100 $100
Included Benefits
Terrorism $50,000 $50,000
Recreational Sports INCLUDED INCLUDED
World Wide Assistance Services INCLUDED INCLUDED
Optional Add-On Benefits
Enhanced Accidental Death & Dismemberment Optional Add-On Optional Add-On
Intercollegiate/Interscholastic Sports Optional Add-On Optional Add-On
Hazardous Activities Optional Add-On Optional Add-On


This information is meant to be a brief summary of the policy features only for the InterMedical Insurance plans and does not cover all the terms, conditions and limitations of the Master Policy. If there is any conflict between this website and the Master Policy, the Master Policy will govern in all cases. Benefits and premiums are subject to change.

*Example is for person aged 18-29 selecting Plan A ($25,000) with a $1,000 deductible. Your rate may vary based on age and deductible. Please see the rate chart for more information.

**Persons aged 80 and above are eligible for a maximum benefit of $10,000.

✝AD&D Benefits are based on age, and are as follows: Under 18: $5,000; 18-70: $50,000; 70-74: $20,000; 75 and Above: $10,000

InterMedical Rates

Daily Rates



Deductible Per Policy Period
14 days - 17 years*$1.00$0.80$0.72$0.64$1.29$1.03$0.93$0.82
18 - 29$1.00$0.80$0.72$0.64$1.29$1.03$0.93$0.82
30 - 39$1.15$0.92$0.83$0.74$1.58$1.26$1.13$1.01
40 - 49$1.85$1.48$1.33$1.18$2.94$2.35$2.12$1.88
50 - 59$2.95$2.36$2.12$1.89$5.11$4.09$3.68$3.27
60 - 64$3.55$2.84$2.56$2.27$6.28$5.02$4.52$4.02
65 - 69$4.15$3.32$2.99$2.66$7.48$5.98$5.38$4.78
70 - 79$6.01$4.81$4.33$3.85N/AN/AN/AN/A
*Child is defined as a person at least 14 days old, and younger than 18 years old.
**Please note: The Medical Expense Benefit limit for persons aged 80 and above is $10,000.

Optional Additional AD&D

More Accidental Death and Dismemberment (AD&D) insurance can be added to your InterMedical Insurance. If desired, this option must be purchased for all travelers listed on the enrollment form and purchased for the entire trip duration, in addition to Plan A or B above. Additional AD&D is not available for individuals over 70 years old.

Additional AD&D
Premium Per Person
$0.25 per day

Intercollegiate/Interscholastic Sports and Hazardous Activities

Additional coverage for Intercollegiate, Interscholastic, and Organized Amateur sports, as well as Hazardous Activities are available with InterMedical Insurance. If desired, this option must be purchased for all travelers listed on the enrollment form and purchased for the entire trip duration, in addition to Plan A or B above. Only medical expenses are covered under the Hazardous Activities benefit. Click here for the full list of hazardous activities.

Intercollegiate/Interscholastic Sports
Premium Per Person
Optional Coverage
$1.25 per day

InterMedical FAQs

U.S. citizens and residents who are traveling outside the U.S. and outside their home country for up to 364 days may purchase InterMedical. It is also available to individuals traveling from one country outside the U.S. to another country outside the U.S. (e.g. travel from Canada to India) for up to 364 days.
Yes. Coverage can begin as early as the day after enrollment.
No. However, your policy can go into effect as early as one day after your enrollment is received.

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.

Contact Information: Email: Fax: 610-537-9818 Mail: Travel Insurance Services 1 International Plaza, Suite 400 Philadelphia, PA 19113 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 note authorizing Travel Insurance Services to charge the additional amount.

No, InterMedical is not a renewable policy. However, you may enroll for another policy to begin the day after the first policy ends. You will receive another Confirmation of Insurance.
Please call us at (800) 937-1387 to learn more about Home Country Coverage options.
Yes! You may call us at (800) 937-1387, or 1 (925) 932-1387 outside the United States. Or if you prefer, you can always mail, fax, or email your completed Enrollment Form to us.
Your receipt and Confirmation of Insurance will be emailed to the e-mail address you provide once the enrollment is processed.
A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to Travel Insurance Services.
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 previous question).
Please refer to our rate table for more information.
InterMedical offers an optional upgrade for individuals under age 70 for $0.25 per person per day, which provides an additional $50,000 Accidental Death & Dismemberment coverage. When purchased, this upgrade raises the AD&D limit to $100,000 for all participants.
You may have to pay up front for medical care depending on the medical facility being used. If the medical facility requires payment up front, you can later submit a claim for reimbursement, less your chosen deductible. 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.
The deductible varies by your selection - deductibles offered include $0, $250, $500, and $1,000. Once this is met, the insurance will pay 100% of reasonable and customary covered medical expenses, up to the maximum benefit limit selected. There is no co-insurance requirement.
No, you are not restricted to a network of doctors. However, if you need assistance with finding a doctor or hospital outside the U.S., you can call InterMedical's 24-hour Assistance Service hotline. You will receive information about the Assistance Service after you enroll. Click here to search for a health care provider.
No. Pre-existing Conditions are defined as, "Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the six months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the six months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the six months immediately preceding the Certificate Effective Date." See InterMedical's Declaration of Coverage.
Yes. Our programmers keep our forms on 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.

InterMedical Description of Coverage

Click a plan below to read its Description of Coverage (DOC).



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