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International Medical Insurance

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WorldMed Insurance®

Flexible medical insurance for traveling or living abroad.

Medical Coverage Anywhere You Go

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.

Customize Your
Coverage

Choose your deductible ($0 - $1,000), and/or get optional add-ons like AD&D, Intercollegiate Sports, and Hazardous Activities coverage.

Important
Added Benefits

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

Download a Brochure (PDF)

Get helpful information about benefits and coverage.

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 those 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.

Our international medical insurance plan goes beyond what your current group health policy may not provide - covering 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 the excellent travel medical insurance coverage you’re looking for.

Valuable, New Benefits

  • Political Evacuation — International health insurance coverage is provided for political evacuation situations that arise after your arrival in the host country, up to $50,000, for emergency evacuation for covered reasons.
  • Terrorism— You can travel assured that WorldMed Insurance offers coverage up to $50,000 for events of terrorism.
  • 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— $1,000 limit; $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 only $0.25 per day, you can add an additional $50,000 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.

Insurance is offered by Tokio Marine HCC–Medical Insurance Services Group (MIS Group), 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.

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

This insurance coverage, offered by Tokio Marine-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.

WorldMed
INBOUND to U.S.

WorldMed
OUTBOUND

Minimum Stay 5 days 5 days
Maximum Stay 364 days 364 days
Medical Expense (Accident and
Sickness) *
$500,000 or $1,000,000 $500,000 or $1,000,000
Deductible $0, $250, $500, and $1,000 $0, $250, $500, and $1,000
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 $50 Not Available
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
$250,000 $250,000
Acute Onset of Pre-existing Condition** $20,000 for members age 14 days-64 years / $2,500 age 65+ (after deductible) $20,000 for members age 14 days-64 years / $2,500 age 65+ (after deductible)
Accidental Death and Dismemberment✝ $50,000 $50,000
Emergency Reunion $15,000 $15,000
Repatriations of Remains $50,000 $50,000
Trip Interruption $5,000 $5,000
Terrorism $50,000 $50,000
Political Evacuation $50,000 $50,000
Loss Baggage $250 per bag/Max $500 $250 per bag/Max $500
Stolen Passport/Visa $100 $100
Emergency Dental Pain $1,000/$100 for pain relief $1,000/$100 for pain relief
Included Coverage
World Wide Assistance Services INCLUDED INCLUDED
Recreational Sports INCLUDED INCLUDED
Buy-Ups (Optional)
Enhanced Accidental Death & Dismemberment Available Available
Intercollegiate/Interscholastic Sports Available Available
Hazardous Activities Available Available
Additional Buy-Up Options
  • 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, 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.

 

* Benefit limits may apply to certain conditions. See the Description of Coverage for details.

**Acute onset of Pre-Existing Conditions are set at $10,000 for ages 14 days to 64, and $2,500 for ages 65 and above (after deductible).

✝ AD&D Benefits are based on age, and are as follows: Under 18: $5,000; 18-69: $50,000.



WorldMed Rates


Inbound — Daily Rates

PLAN A
$500,000

PLAN B
$1,000,000

Deductible Per Policy Period
Age$0$250$500$1000$0$250$500$1000
14 days - 17 years* $2.72 $2.15 $1.94 $1.71 $2.92 $2.31 $2.09 $1.84
18 - 29 $2.72 $2.15 $1.94 $1.71 $2.92 $2.31 $2.09 $1.84
30 - 39 $3.76 $2.97 $2.68 $2.37 $4.05 $3.20 $2.89 $2.54
40 - 49 $5.76 $4.60 $4.11 $3.67 $6.24 $5.00 $4.45 $3.99
50 - 59 $9.05 $7.25 $6.39 $5.76 $9.77 $7.85 $6.91 $6.23
60 - 64 $10.87 $8.67 $7.66 $6.88 $11.75 $9.40 $8.29 $7.46
65 - 69 $12.62 $9.78 $8.93 $7.79 $13.67 $10.65 $9.67 $8.48
*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; 18-69: $50,000;


Outbound — Daily Rates

PLAN A
$500,000

PLAN B
$1,000,000

Deductible Per Policy Period
Age$0$250$500$1000$0$250$500$1000
14 days - 17 years* $1.47 $1.19 $1.05 $0.96 $1.55 $1.25 $1.12 $1.00
18 - 29 $1.47 $1.19 $1.05 $0.96 $1.55 $1.25 $1.12 $1.00
30 - 39 $1.86 $1.50 $1.33 $1.20 $1.98 $1.57 $1.42$1.26
40 - 49 $2.48 $2.13 $1.78 $1.72 $2.53 $2.17 $1.81 $1.75
50 - 59 $4.27 $3.40 $3.04 $2.61 $4.37 $3.46 $3.11 $2.66
60 - 64 $5.27 $4.19 $3.76 $3.21 $5.33 $4.23 $3.81 $3.25
65 - 69 $6.30 $5.32 $4.49 $4.14 $6.36 $5.37 $4.54 $4.17
*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; 18-69: $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 is not available for individuals over 70 years old.

Additional AD&D
Premium Per Person
$50,000
$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

Hazardous Activities
Premium Per Person
Optional Coverage
Additional 20% of total premium



FAQs

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

U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age and under age 70 and that are traveling outside of their home countries but not to the U.S. or U.S. territories. 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.
Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or country of residence.
No. However, your policy can go into effect as early as one day after your Enrollment is received.
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.
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.
Your receipt and Confirmation of Insurance will be emailed to you.
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.
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.
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. Click here to search for a care provider in the United States.

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. Click here to search for a care provide outside the United States.
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.
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.

Pre-existing Condition means 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 6 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 6 months immediately preceding the certificate effective date; or
  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 6 months immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.
For travelers inbound to the United States, the exclusion period is 18 months. For travelers outbound from the United States, the exclusion period is six months. See WorldMed’s Description of Coverage for a complete list of exclusions.
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.
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:
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.

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
               One International Plaza, Suite 400
               Philadeliphia, PA 19113
               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.

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.


Description of Coverage


WorldMed Insurance offers two plans to fit your needs and budget. Click a plan below to read its Description of Coverage. All are in PDF format.


WorldMed
INBOUND

WorldMed
OUTBOUND

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