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International Medical Insurance

WorldMed Insurance^®

Flexible medical insurance for AAP Members traveling or living abroad.

Worldwide Medical Coverage

Travel medical insurance protection if you are injured or become ill while traveling, whether going outside of, or coming to the U.S., for up to 364 days. Covers travelers up to age 64.

Customize Your
Coverage

Choose your deductible ($0 - $2,500), and/or get optional add-ons like AD&D, Intercollegiate Sports, Hazardous Activities and Crisis Response coverage.

Important
Added Benefits

24/7 Worldwide assistance, emergency medical evacuation, terrorist events, and lost/stolen passport & checked baggage coverage is included.

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About WorldMed Insurance

Traveling or living in a foreign country is an exciting experience. But what if you get sick while away, or find yourself in the wrong place at the wrong time and need to be evacuated due to terrorism or another emergency? This is where our international medical insurance can help.

WorldMed Insurance is travel health insurance designed for individuals up to age 64 who are traveling outside their home country for an extended period of time. With medical expense and emergency medical evacuation coverage, you can rest assured that you’ll be protected while away from home for eligible medical expenses.

Domestic health plans may provide limited or no international coverage; WorldMed provides coverage for medical emergencies, evacuations, repatriations and more. Whether you need insurance as a business or leisure traveler, expatriate, work study program, tourist, or church or missionary traveler, our plan offers travel medical insurance coverage to help protect you.

Valuable Benefits

Coverage for Covid-19 — 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.
Political Evacuation — International health insurance coverage is provided for political evacuation situations that arise after your arrival in the host country, up to $100,000 (for Inbound travelers to the U.S.), for emergency evacuation for covered reasons. (For Outbound travelers - traveling outside the U.S. - the benefit limit is $50,000.)
Terrorism — If the country or region you’re visiting is NOT under a level 3 or level 4 travel advisory, WorldMed offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 (“reconsider travel”) or level 4 (“do not travel”) advisory in the 6 months prior to your arrival date.
Stolen Passport/Visas— This plan will reimburse you a maximum of $100 for loss, theft or natural disasters for the cost of replacing a passport or visa.
Emergency Dental— Up to $2,000 limit (accident); up to $200 for pain relief. Limit is for Outbound coverage/outside the U.S. (The limit for Inbound coverage for travelers coming to the U.S. is $1,000 for accident; up to $100 for pain relief).
Home Country Coverage— WorldMed Travel Health Insurance provides up to 15 days for U.S. citizens (and up to 30 days of Home Country Coverage for non-U.S. citizens) in any three-month period.

Optional Buy-Ups Can Be Added

Additional Accidental Death and Dismemberment: For $0.60 per day, you can add an additional $100,000 to your benefit.
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, an additional rider is available for purchase for an additional 20% of your premium. Only medical expenses are covered under this travel medical insurance benefit. Click here for the full list of hazardous activities.
Crisis Response: Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response. Offered at an additional $1.40 per person per day.

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.

WorldMed 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.

	WorldMed INBOUND to U.S.	WorldMed OUTBOUND
Minimum Stay	5 days	5 days
Maximum Stay	364 days	364 days
Eligibility by Age	0-64 years	0-64 years
Medical Expense (Accident and Sickness) *	$500,000, $1,000,000, or $2,000,000	$500,000, $1,000,000, or $2,000,00
Deductible	$0, $250, $500, $1,000, and $2,500	$0, $250, $500, $1,000, and $2,500
Emergency Room Co-pay	$250 (Waived if admitted to hospital)	In addition to deductible, $250 co-payment for each use of an emergency room for an illness unless admitted to hospital. No co-payment for an injury.
Urgent Care Co-pay	$25 co-pay within the U.S.	No co-pay outside the U.S.
Coinsurance (Claims Incurred in the U.S.) In-Network Payment	100% after deductible, up to the overall maximum	100% after deductible, up to the overall maximum
Coinsurance (Claims Incurred in the U.S.) Out-of-Network Payment	Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.	Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Emergency Medical Evacuation	$1,000,000	$1,000,000
Acute Onset of Pre-existing Condition (Excludes chronic and congenital conditions)	$20,000	$200,000 for members age 14 days-59 years / $20,000 for members age 60-64 (after deductible)
Accidental Death and Dismemberment✝	$50,000	$50,000
Emergency Reunion	$100,000	$100,000
Repatriation of Remains	$50,000	$50,000
Trip Interruption	$10,000	$10,000
Terrorism	$50,000	$50,000
Political Evacuation	$100,000	$50,000
Checked Baggage Loss	$500	$1,000
Stolen Passport/Visa	$100	$100
Emergency Dental Pain	$1,000/$100 for pain relief	$2,000/$200 for pain relief
Included Coverage
World Wide Assistance Services	INCLUDED	INCLUDED
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.	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	INCLUDED
Buy-Ups (Optional)
Enhanced Accidental Death & Dismemberment	Available	Available
Intercollegiate/Interscholastic Sports	Available	Available
Hazardous Activities	Available	Available
Crisis Response	Available	Available
Additional Buy-Up Options
Additional Accidental Death and Dismemberment: For $0.60 per day, you can add an additional $100,000 to your benefit. 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, an additional rider is available for purchase for an additional 20% of your premium. Only medical expenses related to hazardous activities are covered under this benefit. Click here for the full list of hazardous activities. Crisis Response: Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response. Offered at an additional $1.40 per person, per day.

* Benefit limits may apply to certain conditions. See the Description of Coverage (Inbound) or (Outbound) for details.

✝ AD&D Benefits are based on age, and are as follows: Under 18: $5,000; 18-64: $50,000.

WorldMed Rates

	INBOUND to U.S. DAILY RATES - PLAN A $500,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$2.93	$2.32	$2.10	$1.87	$1.68
30-39	$4.03	$3.20	$2.89	$2.56	$2.30
40-49	$6.25	$5.00	$4.47	$4.01	$3.60
50-59	$9.79	$7.85	$6.93	$6.25	$5.63
60-64	$11.98	$9.61	$8.52	$7.69	$6.91
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

	INBOUND to U.S. DAILY RATES - PLAN B $1,000,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$3.14	$2.50	$2.26	$2.00	$1.80
30-39	$4.33	$3.44	$3.11	$2.74	$2.47
40-49	$6.77	$5.44	$4.84	$4.35	$3.91
50-59	$10.57	$8.50	$7.49	$6.76	$6.08
60-64	$12.92	$10.40	$9.20	$8.31	$7.47
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

	INBOUND to U.S. DAILY RATES - PLAN C $2,000,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$3.30	$2.63	$2.38	$2.09	$1.89
30-39	$4.55	$3.61	$3.26	$2.88	$2.58
40-49	$7.10	$5.70	$5.09	$4.57	$4.11
50-59	$11.10	$8.93	$7.87	$7.09	$6.38
60-64	$13.57	$10.92	$9.67	$8.72	$7.85
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

	OUTBOUND from U.S. DAILY RATES - PLAN A $500,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$1.65	$1.34	$1.19	$1.09	$0.98
30-39	$2.07	$1.68	$1.49	$1.35	$1.22
40-49	$2.80	$2.41	$2.01	$1.95	$1.76
50-59	$4.78	$3.82	$3.41	$2.94	$2.65
60-64	$6.03	$4.83	$4.36	$3.74	$3.37
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

	OUTBOUND from U.S. DAILY RATES - PLAN B $1,000,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$1.73	$1.41	$1.26	$1.14	$1.02
30-39	$2.20	$1.75	$1.59	$1.42	$1.27
40-49	$2.85	$2.45	$2.06	$1.98	$1.79
50-59	$4.90	$3.88	$3.50	$3.00	$2.69
60-64	$6.10	$4.88	$4.41	$3.78	$3.41
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

	OUTBOUND from U.S. DAILY RATES - PLAN C $2,000,000
	Deductible Per Policy Period
Age	$0	$250	$500	$1,000	$2,500
14 days-29 yrs	$1.82	$1.48	$1.32	$1.19	$1.07
30-39	$2.31	$1.84	$1.67	$1.49	$1.34
40-49	$2.99	$2.58	$2.15	$2.09	$1.88
50-59	$5.14	$4.08	$3.67	$3.15	$2.83
60-64	$6.40	$5.12	$4.63	$3.98	$3.58
	*Child is defined as a person at least 14 days old, and younger than 18 years old. Accidental Death and Dismemberment coverage is based on age: Under 18: $5,000; 18-64: $50,000;

Optional Additional AD&D

More Accidental Death and Dismemberment (AD&D) insurance can be added to your WorldMed 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

Premium Per Person

$100,000

$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 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

Hazardous Activities

Premium Per Person

Optional Coverage

Additional 20% of total premium*

*Note on How to Calculate the Hazardous Activities Add-On:
When calculating rates manually, apply the 20% additional premium to the per day rate, rounding to two decimal places. Then, multiply this new per day rate by the total number of days covered to calculate the additional premium required. For example, using a starting daily rate of $1.98 and 30 days of coverage, apply this formula:
$1.98 daily rate x .20 add'l premium = $0.40 per day (round to two decimal places)
Then, $0.40 x 30 days = $12.00 additional premium

Crisis Response

Additional coverage for Crisis Response, including kidnap, ransom, natural disaster evacuation and expenses associcated with crisis response. If desired, this option must be purchased for all travelers listed on the enrollment form and purchased for the entire trip duration.

Crisis Response

Premium Per Person

Optional Coverage

$1.40 per day

FAQs

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

Who is eligible to purchase WorldMed Insurance?

U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age and under age 65 and that are traveling outside of their home countries. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period.

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.

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 your Enrollment is received.

Is it possible to renew my policy?

WorldMed Insurance cannot be renewed. However, if you anticipate staying outside of your home country and in a foreign country longer, you can purchase an additional WorldMed Insurance plan to begin at the end of your current plan.

Will I be able to make changes to my policy?

You may make changes to your personal information at any time, such as: address, email address and/or phone number. If you would like to select a different plan, deductible or different upgrade options, you will need to submit a new Enrollment.

How will proof of insurance be sent to me?

Your receipt and Confirmation of Insurance will be emailed to you.

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.

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.

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, the coinsurance will be waived for visitors to the U.S. if expenses are incurred within the PPO network.
GDPR residents: First Health Network
All others: UnitedHealthCare Network

Outbound: Traveling Outside the U.S. Yes, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company to help you locate a doctor or hospital. You may also find a doctor in the Equian Network

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.

Does WorldMed cover pre-existing conditions?

No. 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.

A Pre-existing Condition is any condition:

for which medical advice, diagnosis, care, or treatment was recommended or received within 18 months* prior to your effective date of coverage
which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 18 months* prior to your effective date of coverage
that existed (with reasonable medical certainty) with 18 months* prior to your effective date of coverage, whether or not it was known to you

An Acute Onset of 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.

*For individuals whose travel does not include the U.S. (Outbound), the pre-existing condition exclusion period is 6 months.

See WorldMed’s Description of Coverage for a complete list of exclusions.

What is “Home Country Coverage”?

The Home Country Coverage Benefit provides limited coverage under your Medical Expense Benefit while in your home country. For more details, please see the WorldMed Description of Coverage.

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.

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

After I submitted my Enrollment, 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.

Contact Information:
       Email: worldmed@travelinsure.com
       Fax: 610-537-9831
       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. Have your credit card account number and expiration date ready.

Is it safe to purchase WorldMed Insurance online?

Yes. We work closely with our programmers to 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.