IMG

GlobeHopper Travel Medical Insurance For UK, European Travelers

GolbeHopper is a short-term travel medical insurance. GlobeHopper plans are available worldwide to individuals and families of any nationality, for trips outside your home country from five days up to two years. It is avaliable in $USD, £GBP, and €Euro. This insurance is designed to meet the general demands and needs of individuals and families who require international medical insurance and who are temporarily traveling outside their resident country.

  • Brochure
  • Benefits
  • Comprehensive Plan
underwriters
Underwriter
Sirius International Insurance Corporation
Best Rating
Rating
AM Rating : A (Excellent)
Plan Life
Plan Life
5 days to 2 years
Renewal
Renewal
Up to 2 years, if initial one month purchase and no break in cover

GlobeHopper Travel Medical Insurance Summary

eligibilityGlobeHopper plan highlights
  • Short-term travel medical coverage
  • Available in $USD, £GBP, and €Euro
  • Five differing plan limit maximum options
  • Six levels of excess, ranging from a nil excess up to $2,500, £1,600, or €2,000
  • Up to five sections of optional additional cover
  • Available in daily and monthly rates
  • Available to purchase before or after departure -- Purchase before departure to receive additional travel benefits
  • Renewable up to 24 months if one month or more are purchased
  • Freedom to seek treatment with hospital or doctor of your choice
  • 24-hour secure access from anywhere in the world to manage your account at any time
eligibilityGlobehopper plan is designed for:
  • Graduating seniors trips
  • Senior citizens age 65-69 with or without Medicare traveling abroad
  • College students studying abroad
  • Foreign au pairs and nannies
  • Families sponsoring exchange students
  • International vacationers
  • Individual or group missionaries
  • Relatives visiting from overseas
  • Recently arrived immigrants

emergency-care Coinsurance?
  • Treatment received outside the USA & Canada: No coinsurance
  • Treatment Received within the USA & Canada:
    • In the PPO Network: Plan pays 90% of eligible expenses up to $5,000/£3,000/€4,000, then 100% up to the Maximum Policy Limit.
    • Out of the PPO Network: Plan pays 80% of eligible expenses up to $5,000/£3,000/€4,000, then 100% up to the Maximum Policy Limit.
  • Plan Benefits
  • Eligibility
  • Exclusions
  • Conditions of Cover

Plan Benefits of Globehopper insurance

Benefits Coverage
Plan Maximum (per insured person) $50,000; $100,000; $500,000; $1,000,000; $2,000,000 OR
£30,000; £60,000; £300,000; £600,000; £1,250,000 OR
€40,000; €75,000; €400,000; €800,000; €1,500,000
Deductible (per insured person) $0; $100; $250; $500; $1,000; $2,500 OR
£0; £60; £150; £300; £600; £1,600 OR
€0; €75; €200; €400; €800; €2,000
Area of Cover Options
(*All zones exclude coverage within your Home Country i.e. country of primary residence (as identified on your application)
  • Europe*
  • Worldwide excluding USA & Canada*
  • Worldwide*
Available After Departure Yes
Coverage Extension Period Up to Six Months past policy expiry date for continued treatment
World-class Medical Benefits Coverage available for In-Patient and Out-Patient medical expenses. Freedom to choose any Hospital, Clinic or Doctor in your area of cover.
Medical Benefits
Hospital Room and Board Up to the Maximum Limit
Intensive Care Up to the Maximum Limit
Medical Expenses Up to the Maximum Limit
Out-Patient Medical Expenses Up to the Maximum Limit
Emergency Local Ambulance Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Emergency Room Accident Up to the Maximum Limit
Emergency Illness - with In-patient Admission Up to the Maximum Limit
Emergency Illness - without In-patient Admission Up to Maximum Limit with an additional $250 / £150 / €200 Excess
Dental – Injury due to Accident Up to Maximum Limit
Dental - Sudden Dental Pain Up to $150 / £90 / €115
State Hospital Cash Benefit $100 / £60 / €75 per night up to a maximum of 14 nights
Reciprocal Health Agreement Benefit Nil Excess - When a claims saving is made due to a European Health Insurance Card (EHIC) or Reciprocal Health Agreement
International Emergency Care & Assistance
24 Hour Emergency Medical Help Line Included
Emergency Medical Evacuation Up to $500,000 / £300,000 / €400,000 Lifetime Maximum (independent of Maximum Limit)
Emergency Reunion Up to $50,000 / £30,000 / €40,000
Cremation/Burial, or Repatriation of Remains Up to $50,000 / £30,000 / €40,000
Return of Minor Children Up to $50,000 / £30,000 / €40,000
Identity Theft Assistance Up to $500 / £300 / €400 per period of coverage
Security and Political Evacuation Up to $10,000 / £6,000 / €7,500
Natural Disaster Evacuation & Accommodation $100 / £60 / €75 per day for up to five days
Additional Benefits
Trip Interruption Up to $5,000 / £3,000 / €4,000
Terrorism Coverage Up to $50,000 / £30,000 / €40,000 Lifetime Maximum
Common Carrier Accidental Death Up to $50,000 / £30,000 / €40,000 to beneficiary;
$250,000 / £160,000 / €200,000 maximum per family
Accidental Death & Dismemberment
(Reduced Sums Insured apply for Children under 18 and persons aged 66 and over)
Up to $25,000 / £16,000 / €20,000 principle sum
Citizenship Return Coverage You are covered for trips to your Country of Citizenship provided it is within your Area of Cover.
For USA Citizens: Cover is provided for up to 60 days for brief returns to the USA per Period of Insurance.
Incidental Home Trip Coverage Up to a cumulative two weeks during the period of insurance
Travel Benefits
Cancellation or Curtailment Up to $7,000 / £5,000 / €6,000
Travel Delay Up to $7,000 / £5,000 / €6,000
a) $50 / £40 / €60 after 12 hours delay
b) $30 / £20 / €25 each 12 hours thereafter
c) Up to $300 / £200 / €250
Missed Departure & Journey Disruption Up to $1,500 / £1,000 / €1,200
Baggage
  • Up to $3,000 / £2,000 / €2,500
  • Up to $350 / £250 / €300 per Item
  • Up to $700 / £500 / €600 for all Valuables
  • Up to $300 / £200 / €250 for emergency purchases after 12 hours (Nil Excess)
Personal Money Up to $700 / £500 / €600
Loss of Passport Up to $700 / £500 / €600
Additional Coverage Options
Adventure Sports Option
(Available to insureds up to age 65)
  • Age 0 to 49 years: $50,000 / £30,000 / €40,000 lifetime maximum limit
  • Age 50 to 59 years: $30,000 / £18,000 / €24,000 lifetime maximum limit
  • Age 60-64 years: $15,000 / £9,000 / €11,500 lifetime maximum limit
Enhanced Personal Accident - AD&D Option
(Available to primary insured only, minimum of three months coverage)
Optional Limits:
  • Up to $200,000/ £120,000 / €150,000
  • Up to $150,000/ £90,000 / €112,500
  • Up to $100,000/ £60,000 / €75,000
  • Up to $50,000 / £30,000 / €40,000
Evacuation Plus
  • Non-Life Threatening Medical Evacuation: Up to $25,000/ £15,000 / €20,000
  • Natural Disaster Evacuation: Up to $5,000/ £3,000 / €4,000
End of Trip Home Country Coverage
(Not available for USA citizens in the USA)
One month for every five months of travel purchased, up to a maximum of two months Home Country Coverage
eligibilityEligibility
  • GlobeHopper is available to eligible persons of any nationality worldwide that are travelling outside their home country. If you have multiple residences or passports, then the country listed on the application form will be considered your home country.
  • For USA citizens, the home country is both the United States and your primary residence or usual place of abode. USA citizens, in addition to the above:
    • Must depart the USA on, or be located outside of the USA, as of the effective date (or date of extension, or Renewal Date);
    • USA citizens requiring Worldwide coverage will have an annual limit of 60 total days of coverage in the USA;
    • Only brief returns to the USA are covered under the Citizenship Return Coverage or the Incidental Home Trip Coverage, as applicable.
  • For those under 65 years of age and visiting the USA, your initial period of insurance must begin within six months of arrival in the USA. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance. Prior USA domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the application form. If you are not in the USA at the time of application, please indicate your expected date of arrival on your application form.
  • Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the USA Patient Protection and Affordable Care Act (PPACA).
exclusion-icon Exclusions
  1. A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
  2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  3. War, military action, terrorism, political insurrection, protest, or any act thereof. We will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.
  4. Immunisations and routine physical exams.
  5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the plan.
  6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrolment into this insurance.
  7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilisation or reversal thereof, or abortion.
  8. Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by any collegiate sanctioning or governing body, or the International Olympic Committee. The following Adventure Sports are excluded unless the Adventure Sports Option is purchased: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m above ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.
    Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or adventure sports activity not expressly covered hereunder are excluded regardless of which plan or option is selected.
  9. Vision or ear tests and the provision of visual or hearing aids.
  10. Vocational, recreational, speech or music therapy.
  11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
  12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission of a violation of law by the insured person, including, without limitation, the engaging in an illegal or malicious occupation or act, but excluding minor traffic violations.
  13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
  15. Willful self-inflicted injury or illness.
  16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
  17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  18. Treatment for mental and nervous disorders.
  19. Organ or tissue transplants or related services.
  20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the Policy Wording.
  21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
  22. Travelling against the advice of a medical practitioner.
  23. Any infection of the urinary tract (or illness arising therefrom), that occurs within ninety (90) days of the effective date of coverage and that requires treatment of the insured person in a hospital; provided that any such illness will be deemed by us to be a Pre-existing Condition.
eligibility Conditions of Cover
  • Cover and benefits are subject to the applicable excess, coinsurance all terms and conditions of the plan and policy wording.
  • Cover under a Globehopper plan is secondary to any other cover.
  • Cover and benefits are for medical necessary,usual,reasonable and customary charges only.
  • Charges must be administered or ordered by a medical practitioner.
  • Charges must be incurred during the period of cover or the cover extension period(if applicable)
  • Claims must be presented to IMG for payment within 90 days from the date the claim was incurred.
Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required