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InterMedical  Insurance™

Travel insurance for medical emergencies outside your home country

International medical and medical evacuation insurance – for travelers outside of their home country – from 5 to to 364 days.

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Valuable Benefits

Accident & sickness coverage, emergency medical evacuation, terrorist events, and lost/stolen passport & checked baggage coverage is included. See all benefits below

Worldwide Assistance

Available 24/7/365 – Includes medical referrals, translation services, and what to do if emergency travel assistance is needed.

Optional Upgrades

Add-ons like AD&D, Intercollegiate Sports, and Hazardous Activities coverages are available.

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

Plan B Not available to those over age 79.

Plan C Not available to those over age 64.

Benefit

InterMedical
PLAN A

InterMedical
PLAN B

InterMedical
PLAN C

Illness and Injury Medical
Expenses/Period 		$50,000 $100,000 $150,000
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

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

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

Benefit
InterMedical
PLAN A
InterMedical
PLAN B
InterMedical
PLAN C
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.

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.

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Download the Description of Coverage (DOC)

Get full details including definitions, benefits, provisions, and claims procedures.

InterMedical (Plan A, B, C) DOC  

Download a Brochure

Includes benefit highlights and premium rates.

InterMedical Brochure   InterMedical Brochure   (简体中文)    InterMedical Brochure   (繁體中文)   

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InterMedical Rates

InterMedical Premium Calculator

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Optional Additional Coverages

Accidental Death and Dismemberment (AD&D) Insurance

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 Coverage

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.

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InterMedical 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.

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.