Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Travel Insurance Services InterMedical Insurance, Intermedical travel insurance for US citizens
InterMedical Insurance is available for people traveling outside the U.S. and outside their home country. It is an ideal plan for US citizens/residents travelling outside their home country and USA. It offers coverage for accident/sickness medical expenses, emergency medical evacuation and provides assistance coverage for international travelers.
Travel Insurance Services Intermedical plan summary, International travel insurance for US citizens
What is the eligibility to buy Intermedical plan Insurance? Intermedical plan Eligibility
For people who are traveling outside the U.S. and outside their home country.
Intermedical insurance Renewability
Intermedical insurance Cancellation
Inside the United States
In ppo network: We pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount
Covid international travel insurance for coverage outside USA
InterMedical Insurance: Covid-19 is covered as any other illness under the Medical Expense maximum. Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. For individuals age 65+, maximum plan coverage is $100,000.
Intermedical insurance plan benefits
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Emergency room co-paymentClaims incurred in the U.S. - Up to $250 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.
Urgent care center co-paymentClaims incurred in the U.S. - Up to $50 co-payment. (after which coinsurance will apply.) Claims incurred outside the U.S. - No co-payment.
Outpatient Physical Therapy and Chiropractic CareUsual, reasonable and customary charges.
Emergency Dental Treatment due to AccidentUp to $2,000
Emergency Dental(acute onset of pain)Up to $250 - not subject to deductible or coinsurance
Acute onset of pre-existing conditionAge 80 or older: $5,000 Ages 60 to 79 : $20,000. Under age 60: Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical Evacuation
TerrorismUp to $50,000
Optional Hazardous Activities RiderUp to the overall maximum limit
Optional Intercollegiate or Interscholastic Sports RiderUp to $50,000
Emergency Medical EvacuationUp to $500,000 lifetime maximum (not subject to deductible or coinsurance)
Repatriation of RemainsUp to $50,000 (not subject to deductible or coinsurance)
Emergency ReunionUp to $20,000, subject to a maximum of 15 days (not subject to deductible or coinsurance)
Return of Minor Children
Up to $50,000 (not subject to deductible or coinsurance)
Political EvacuationUp to $50,000 lifetime maximum (not subject to deductible or coinsurance)
Trip InterruptionUp to $5,000 (not subject to deductible or coinsurance)
Lost checked luggageUp to $500 (not subject to deductible or coinsurance).
Lost or Stolen Passport/Travel VisaUp to $100 (not subject to deductible or coinsurance).
Natural DisasterUp to $100 a day for 5 days (not subject to deductible or coinsurance)
Hospital Indemnity$100 per day for 5 days for inpatient hospitalization (not subject to deductible or coinsurance).
Accidental Death & DismembermentAges 18 through 69: $50,000 Under age 18: $5,000 Ages 70 through 74: $20,000 Ages 75 and older: $10,000.
Intermedical Insurance - FAQs
Who is eligible to buy Intermedical insurance?
U.S. citizens and residents who are traveling outside the U.S. and outside their home country.
Applicants traveling from one country outside the U.S. to another country outside the U.S.
I have already left the United States, can I buy Intermedical insurance?
Yes you can purchase Intermedical insurance and the coverage will begin on the next day after enrolment.
Can I renew Intermedical insurance?
No Intermedical insurance cannot be renewed. A new policy has to be purchased on expiration of the existing policy.
Will Intermedical insurance offer coverage in USA?
Please contact us for specific plans which provide travel insurance coverage for US citizens visiting the US.
Travel Insure - Provider network and how to find hospital or doctor?
It is not restricted to a network of doctors. However, if you need assistance with finding a doctor or hospital outside the U.S., you can call InterMedical's 24-hour Assistance Service hotline. You will receive information about the Assistance Service after you enroll.
You can find a doctor in the Equian International Provider Network
If you are traveling outside the U.S. then click here to read more