IMG Outreach Travel Medical Insurance

International travel can become a scary situation if you’re not prepared for a medical emergency. Most travelers assume they’re already covered by their standard medical plan—but that isn’t always the case. While domestic plans provide sufficient coverage at home, most are not designed to provide the coverage and assistance required for international travel. Don’t let your medical coverage be an uncertainty. Choose the Outreach Travel Medical Insurance® plan that meets your needs and spend more time enjoying your international experience—not worrying about your medical coverage.

Key Bene­fits

    • Trip cancellation benefit up to 100% and interruption up to 150% of trip cost

    • COVID-19 covered same as any other illness

    • $500,000 medical coverage for unexpected illnesses & accidents while abroad

    • $1,000,000 coverage for emergency medical evacuation

    • Travel delay coverage up to $2,500 after delay of 6 hours

    • Maximum limits:

      • Individual: $50,000 to $1,000,000

      • Group: $100,000, $250,000, $1,000,000

    • Deductible:

      • Individual: $0 to $2,500

    • Extensions: Up to 24 continuous months

    • Sudden and unexpected recurrence of pre-existing conditions: Up to the maximum limit

    • Incidental trip: Up to 2 weeks

    • Coinsurance:

      • In-network: IMG pays 90%

      • Out-of-network: IMG pays 80% up to $5,000, then 100%

    • Maximum limits:

      • Individual: $50,000 to $2,000,000

      • Group: $100,000, $250,000, $1,000,000

    • Deductible:

      • Individual: $0 to $2,500

      • Group: $0 to $250

    • Extensions: Up to 24 continuous months

    • Sudden and unexpected recurrence of pre-existing conditions: Up to the maximum limit

    • Incidental trip: Up to 2 weeks

    • Coinsurance:

      • IMG pays 100% outside of the U.S.

  • Adventure Sports Rider

    If you’re a thrill-seeking traveler who enjoys life’s more adventurousactivities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your travel insurance policy.

    Lifetime Maximum

    • Age 0-49: $50,000

    • Age: 50-59: $30,000

    • Age: 60-64: $15,000

    Chaperone/Faculty Leader Replacement Rider*

    If you are the designated chaperone/faculty leader and experience an unexpected death of a relative, a medical emergency, or the destruction of your residence that causes you to cancel or interrupt travel, this rider covers reimbursement for a round trip economy airline ticket up to $3,000 for a replacement haperone/faculty leader.

    Evacuation Plus Rider**

    While Outreach provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 for medical evacuations if you experience a sudden, non-life-threatening medical condition that requires hospitalization. IMG will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.

    Note: Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in wholemonth increments.

    Enhanced Accidental Death & Dismemberment Rider (AD&D)**

    Accidents can happen—wouldn’t you rather be prepared, especially when you’re away from home? The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.

    Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.