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For International Travel

InterMedical Insurance^® for International Travelers

Travel insurance for medical emergencies outside your home country

International Protection

This plan is designed for travelers who are traveling outside their home country and need medical protection outside the U.S., from 5 to 364 days.

Budget-friendly Coverage Options

Our quality international medical and medical evacuation insurance starts at $1.35 a day.

Customize Your Plan for Your Needs

We offer three coverage limits and four deductibles, plus optional add-ons, so you can choose the options right for you.

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How much does travel medical insurance cost? Depending on your age, it can cost as little as $1.35 per day.

Get a Quote for InterMedical Insurance here.

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Health Insurance for International Travel

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.

The Medical Expense benefit includes coverage for eligible Covid-19-related medical expenses. Testing for Covid-19 will be covered if deemed medically necessary by a physician.

Our quality international medical insurance and medical evacuation insurance starts at $1.35 per day.* Coverage is available for the insured, a spouse, unmarried dependent children, or children traveling alone. You can find your cost for travel health insurance by using the Premium Calculator.

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

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

* Under age 30, Plan A, $1,000 deductible.

Enhanced Coverage Options

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

Additional Accidental Death and Dismemberment: For only $0.60 per day, you can add an additional $100,000 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 $2.00 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.

Insurance is offered by WorldTrips. International insurance products are underwritten by Lloyd’s. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.

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

This insurance coverage, offered by WorldTrips, 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.

	InterMedical PLAN A	InterMedical PLAN B	InterMedical PLAN C
Illness and Injury Medical Expenses/Period**	$50,000	$100,000 (Not available to those over age 79.)	$150,000 (Not available to those over age 64.)
Minimum Stay	5 days
Maximum Stay	364 days
Coinsurance - Claims incurred inside U.S.	In-Network Payment: Within the PPO: we will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Out-of-Network Payment: Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance - Claims incurred Outside the U.S.	We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Emergency Medical Evacuation	$500,000
Political Evacuation	$50,000
Natural Disaster	$100/day; $500 max.
Repatriation of Remains	$50,000
Emergency Reunion	$15,000
Escort of Minors	$50,000
Accidental Death and Dismemberment✝	$50,000
Baggage Loss	Max $500
Trip Interruption	$5,000
Stolen Passport/Visa	$100
Included Benefits
Terrorism	$50,000
Covid-19 Coverage	INCLUDED The Medical Expense benefit includes coverage for eligible Covid-19-related medical expenses. Testing for Covid-19 will be covered if deemed medically necessary by a physician.
Recreational Sports	INCLUDED
World Wide Assistance Services	INCLUDED
Optional Add-On Benefits
Enhanced Accidental Death & Dismemberment	Optional Add-On
Intercollegiate/Interscholastic Sports	Optional Add-On
Hazardous Activities	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.

**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; 18-69: $50,000; 70-74: $20,000; 75 and Above: $10,000

Note: 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.

Rates

How much does travel health insurance cost? Our InterMedical plan offers competitive rates calculated based on the age of the traveler and the deductible level chosen.

If you are seeking a Schengen visa, we recommend selecting a $0 deductible option to improve your chances of visa approval.

	Daily Rates
	PLAN A $50,000				PLAN B $100,000				PLAN C $150,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1000	$0	$250	$500	$1000	$0	$250	$500	$1000
* 14 days - 29 years	$1.78	$1.55	$1.46	$1.35	$1.94	$1.67	$1.56	$1.44	$2.05	$1.76	$1.66	$1.53
30 - 39	$1.96	$1.70	$1.59	$1.49	$2.24	$1.91	$1.77	$1.65	$2.38	$2.02	$1.88	$1.74
40 - 49	$2.80	$2.36	$2.19	$2.01	$3.06	$2.50	$2.28	$2.17	$3.28	$2.66	$2.42	$2.30
50 - 59	$4.07	$3.39	$3.11	$2.85	$4.82	$3.88	$3.49	$3.05	$5.16	$4.16	$3.70	$3.24
60 - 64	$4.71	$3.90	$3.58	$3.25	$5.72	$4.57	$4.08	$3.56	$6.14	$4.85	$4.32	$3.74
65 - 69	$5.65	$4.69	$4.31	$3.94	$6.94	$5.57	$4.99	$4.37	N/A	N/A	N/A	N/A
70 - 79	$7.89	$6.50	$5.94	$5.40	$9.40	$7.72	$7.02	$6.38	N/A	N/A	N/A	N/A
** 80+	$16.64	$13.44	$12.16	$10.88	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
	* Child is defined as a person at least 14 days old, and younger than 18 years old. ** For persons aged 80 and above, the Medical Expense Benefit limit 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, B, or C above. Additional AD&D is not available for individuals over 70 years old.

	Premium Per Person
$100,000 Additional AD&D	$0.60 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, B, or C above. Only medical expenses are covered under the Hazardous Activities benefit. Click here for the full list of hazardous activities.

	Premium Per Person
Intercollegiate/ Interscholastic Sports	$2.00 per day
Hazardous Activities	Additional 20% of total premium

FAQs

Who may purchase InterMedical Insurance?

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.

May I purchase InterMedical if I am already on my trip?

Yes. Coverage can begin as early as the day after enrollment.

I need coverage to begin as soon as possible. Can my InterMedical policy go into effect the day I enroll?

No. However, your policy can go into effect as early as one day after your enrollment is received.

After I submitted my Enrollment Form, 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. 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.

May I extend my coverage if my trip lasts longer than originally planned?

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.

Will InterMedical Insurance cover me when I return to the U.S.?

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

May I purchase InterMedical by telephone?

Yes! You may call us at 1-800-937-1387, or 1-925-932-1387 outside the United States. Or if you prefer, you can mail, fax, or email your completed Enrollment Form to us.

How will proof of insurance be sent to me?

Your receipt and Confirmation of Insurance will be emailed to the email address you provide once the enrollment is processed.

If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?

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.

Will I receive a partial refund if I return home before my policy expires?

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

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

What are the rates for InterMedical Insurance?

Please refer to our rate table for more information.

What is the maximum Accidental Death coverage available with InterMedical?

InterMedical offers an optional upgrade for individuals under age 70 for $0.60 per person per day, which provides an additional $100,000 Accidental Death & Dismemberment coverage. When purchased, this upgrade raises the AD&D limit to $100,000 for all participants.

If I need care, will I have to pay up front for my medical expenses?

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.

What are InterMedical's deductible and co-insurance limits?

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.

Must I use a network of doctors or hospitals if I need care?

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.

You may find a doctor in the Equian Network

Does InterMedical Insurance cover pre-existing conditions?

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.

Is it safe to purchase InterMedical Insurance online?

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.