Global Crew Medical Insurance

Global Crew Medical Insurance provides a comprehensive and portable international medical insurance plan designed specifically for professional marine crew.

Quotes for Global Crew Medical Insurance

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Age
Gender
Payment Type
Coverage
Citizenship
Global Crew Bronze 
Plan Maximum
$1,000,000
Deductible
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Global Crew Silver
Plan Maximum
$5,000,000
Deductible
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Global Crew Gold
Plan Maximum
$5,000,000
Deductible
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Global Crew Platinum
Plan Maximum
$8,000,000
Deductible
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  Lifetime Maximum Limit
$1 million/individual $1 million/individual $1 million/individual $1 million/individual
  Deductible (Per Period of Coverage)
$250 to $10K $250 to $10K $250 to $10K $250 to $10K
  Optional Coverage at additional cost
Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Adventure Sports Rider; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Terrorism; Adventure Sports Rider;
Treatment Outside the U.S.
50% of deductible waived, up to a maximum of $2.5K. No coinsurance.
Treatment Inside the U.S.
PPO Network: Subject to deductible. No coinsurance
Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5K of eligible expenses, then 100% to the overall maximum limit.
Coinsurance
International - 100%;    U.S. in-network - 100%;    U.S out-of-network - 80%
Outpatient Treatments
Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $500 maximum limit (pre-inpatient / post-inpatient)
Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $70 per visit/examination (25 combined maximum visits)
Chiropractor charges: $50 per visit / examination
Surgery intervention consultation charges: $500 per consultation
Subject to deductible and coinsurance Subject to deductible and coinsurance
Mental/Nervous
Not Covered Outpatient after 12 months of continuous coverage $10K maximum. Avaliable after 12 months of continuous coverage $350 for treatment received in an emergency room
Hospital Emergency Room Injury
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Hospital Emergency Room Illness
Covered only if admitted as inpatient Additional $250 deductible if not admitted as an inpatient Additional $250 deductible if not admitted as an inpatient Additional $250 deductible if not admitted as an inpatient
Hospital Room & Board
Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average semi-private room rate.All subject to $600 per day /240 day maximum Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average private room rate
Intensive care unit
Subject to deductible and coinsurance $1.5K limit per day - 180 days of coverage per event Subject to deductible and coinsurance Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy
Subject to deductible and coinsurance
$600 maximum limit per examination
Subject to deductible and coinsurance
$600 maximum limit per examination
Subject to deductible and coinsurance Subject to deductible and coinsurance
Surgery
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Assistant Surgeon
20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Maternity
No Coverage No Coverage No Coverage $2.5K additional deductible per pregnancy.
$50K lifetime maximum.
$200 newborn preventative care benefit for the first 31 days -12 months after birth.
$250K maximum for newborn care & congenital disorders for the first 31 days after birth.
Podiatry Care
No Coverage No Coverage $750 per period of coverage $750 per period of coverage
Physical therapy
$40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery $40 maximum per visit - 30 visit limit $50 maximum per visit $50 maximum per visit
Transplants
$250K lifetime maximum $250K lifetime maximum $1M lifetime maximum $2M lifetime maximum
Prescription Coverage
Available for 90 days following related inpatient treatment or outpatient surgery.
$600 maximum limit per event(includes dressings and durable medical equipment)
90-day supply per prescription following related covered event.U.S.
Retail Pharmacy out-of-network: 80%
International Retail Phamacy: 100%
90-day supply per prescription.U.S. Retail Pharmacy out-of-network: 80%
International Retail Phamacy: 100%
U.S. Retail Pharmacy: prescription drug card required.Co-pay per 30-day supply: $20 for generic / $40 for brand name where generic is not available.International Retail Pharmacy(subject to deductible): 100%
Expatriate Prescription Services Program
No Coverage No Coverage No Coverage Co-pay per 30-day supply: $20 for generic / $40 for non-preferred brand name.
Must enroll via provider website: www.expatps.comDispensing maximum: 180 days
Orphan or Biologic Drugs
Inpatient Treatment maximum limit: $250K.
Outpatient Surgery: up to the maximum limit.
Subject to deductible and coinsuranceDoes not apply to maximum limit per event
Inpatient & Outpatient Treatmentmaximum limit: $250K Inpatient & Outpatient Treatmentmaximum limit: $250K. Maximum limit $250K.U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.
International retail pharmacy: Subject to deductible and coinsurance.
Inpatient/outpatient medical treatment: Subject to deductible and coinsurance
Healthy Travel Preventative Coverage
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision
Optional Rider Optional Rider Optional Rider $100 maximum per 24 months for exams. $150 per 24 months for materials
Local Ambulance (U.S. only)
$1.5K maximum limit per event $1.5K maximum limit per event Subject to deductible and coinsurance. Not subject to deductible or coinsurance
Emergency evacuation
Up to $50K maximum per period of coverage. Not subject to deductible or coinsurance. Up to $50K maximum per period of coverage. Not subject to deductible or coinsurance. Up to lifetime maximum limit. Not subject to deductible or coinsurance. Up to maximum limit. Not subject to deductible or coinsurance.
Emergency reunion
$10K lifetime maximum No Coverage $10K lifetime maximum $10K lifetime maximum
Interfacility Ambulance Transfer
$1.5K maximum limit per event. Not subject to deductible or coinsurance.U.S. only $1.5K maximum limit per event. Not subject to deductible or coinsurance. U.S. only Subject to deductible and coinsurance.U.S. only Not subject to deductible or coinsurance.U.S. only
Political Evacuation and Repatriation
No Coverage No Coverage No Coverage $10K lifetime maximum
Remote Transportation
No Coverage No Coverage No Coverage $5K per period of coverage up to $20K lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains (not subject to deductible or coinsurance)
$10K lifetime maximum $25K lifetime maximum $25K lifetime maximum $50K lifetime maximum
Complementary Medicine
No Coverage No Coverage $500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury
$1K per period of coverage $1K per period of coverage Up to lifetime maximum limit Up to lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth
No Coverage No Coverage $100 per period of coverage 100%
Non Emergency Dental due to Accident
No Coverage No Coverage $500 per period of covergae $750 maximum per period of cov-erage; $50 individual deductible, applies to minor restorative and major restorative services
Non Emergency Dental
Optional Rider Optional Rider Optional Rider $750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services.
Hospital Indemnity
Private Hospitals: $400 per overnight and $4K maximum limit per calendar year.
Public Hospitals: $500 per overnight and $5K maximum limit per calendar year.
Supplemental Accident
No Coverage No Coverage $300 of eligible medical expenses following an accident . Not subject to deductible or coinsurance $500 maximum limit per accident. Not subject to deductible and coinsurance
Amateur Sailboat Racing
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Crew Member Return
$2.5K maximum limit.Not subject to deductible or coinsurance $2.5K maximum limit.Not subject to deductible or coinsurance $2.5K maximum limit.Not subject to deductible or coinsurance $2.5K maximum limit.Not subject to deductible or coinsurance
Adult Preventative Care(Age 19 or older)
No Coverage No Coverage $250 per period of coverage $500 per period of coverage
Child Preventative Care( Through age 18)
No Coverage $70 maximum per visit, 3 visit per period of coverage $200 maximum per period of coverage $400 maximum per period of coverage
Pre-Existing Conditions Limitation
Excluded $50K lifetime maximum; $5K per period of coverage after 24 months $50K lifetime maximum; $5K per period of coverage after 24 months Covered if disclosed and not excluded by rider

Global Crew Medical Insurance Reviews

Policy maximum
$1M Bronze $5M Silver & Gold $8M Platinum
Deductible options
$250 to $10K Bronze & Silver $250 to $25K Gold $100 to $25K Platinum
Insurance provider
International Medical Group
Global Crew Medical insurance rating
AM Best Rating: "A" (Excellent)
Global Crew Medical insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life
Lifetime

IMG Global Crew Medical insurance summary


Global Crew Medical insurance Eligibility
  • Global Crew Medical Insurance is available to individuals of all nationalities.
  • U.S. citizens must plan to be residing outside the U.S. on or before their effective renewal dates, and for at least six (6) out of the next 12 months.
  • Additional eligibility restrictions apply to non-U.S. citizens residing in the United States.
  • Persons from the ages of 19 years to 74 years may apply for coverage, up until the age of 75.
  • Global Crew Medical Insurance is offered to the persons less than 75 years of age.

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Why Global Crew Medical Insurance?

  • Plan Flexibility - Multiple plan options and payment modes to fit your budget.
  • Choice of Coverage Area - Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Freedom to Choose - Select your own health care provider, no matter where you are in the world.
  • Travel Intelligencen - Receive location-specific alerts on health, transportation, security and weather.
  • Assistance Services - Available on all plans.
  • Preventative Care - No waiting period on wellness benefits.
  • Healthy Travel Preventative Coverage - Receive vaccinations and preventative prescriptions prior to departure.
  • Pre-Existing Condition Waiver - For individuals with proof of comprehensive health insurance and no significant break in coverage (63 days).

Global Crew Medical Insurance Restrictions

Global Crew Medical Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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Global Crew Medical Insurance - FAQ's

01. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

02. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

03. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

04. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

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