InterMedical  Insurance^™

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. Please be sure to include a daytime phone number in any written communications.

imed@travelinsure.com
Fax: 610-537-9818
Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073
USA

If the correction results in an increase in premium, please call Customer Care at 1-800-937-1387 to arrange payment by credit card. Have your credit card account number and expiration date ready.

YES. Your policy can be extended before its current ending date. Please email us with new expiration date and contact us to provide the payment card information.

Please call us at 1-800-937-1387 to learn more about Home Country Coverage options.

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 cancellation request to Travel Insurance Services.

Premiums may be refunded after the certificate effective date subject to the following provisions:

1. A $25 cancellation fee will apply for administrative costs incurred by us; and
2. Only the unused portion of the plan cost will be refunded; and
3. You cannot have filed any claims to be eligible for a premium refund.

InterMedical offers an optional upgrade for individuals under age 70 for $0.60 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.

This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

Pre-existing Condition means any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within the 6 months prior to your effective date of coverage
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within the 6 months prior to your effective date of coverage
• that existed (with reasonable medical certainty) within the 6 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.