ET-P

EuropeTravel-Plus

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
IMG
Sirius International
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 180 days
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Urgent Care
  • Cannot accept an address in Maryland (MD).
BUY

Europe Travel Plus is the most suitable plan for non-U.S. citizens seeking to visit Schengen countries. This plan meets or exceeds Schengen visa requirements along with other travel medical benefits. This plan not only covers you in Schengen countries but anywhere in the Europe, so that you and your family can travel worry-free and enjoy your trip. You can get access to Schengen Visa letter immediately after online purchase via email.

Please review Europe Travel Plus Plan Brochure brochure and Description of Coverage for complete coverage information.

Out-Patient

Dr. / Physician Visit

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Urgent Care

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Surgical Treatment

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Prescription Drugs / Medicines

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Lab & X-rays

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

In-Patient

Hospital Room

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Surgical Treatment

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Hospital Intensive Care Unit

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Emergency Services

Ambulance Expenses

Maximum up to $2,500

Emergency Room(ER)

After the deductible is met:


In Europe

Plan pays 100% up to policy maximum.


Incidental trips within USA

In-Network: 90% covered for first $5,000, 100% covered thereafter

Out-of-Network: 80% covered for first $5,000, 100% covered thereafter

Dental

Acute, spontaneous and unexpected pain

Up to $100

Accidental emergency

Up to $500

Travel

Emergency Medical Evacuation / Repatriation

Up to maximum $300,000

Return of Remains

Up to $50,000

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

Not Covered

Trip Interruption

Up to $5,000

Loss of checked Baggage

Not Covered

Life

AD&D

$25,000 principal sum

Common Carrier Accidental Death

$50,000 to beneficiary; max $250,000 per family

Other

Hazardous Sports Coverage

Available as an optional, with additional premium

Pre-Existing Conditions

Only for Sudden & Unexpected Recurrence up to $35,000

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

Not Covered

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

IMG

Carrier / Underwriter

Sirius International

Eligibility

For Non US citizens, including US Green Card holders, traveling to Europe for a short trip.

Plan Type

Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered, only for incidental trips for up to 15 days, while traveling to Europe

Coverage outside U.S.A.

Covered only in Europe

Co-Pay

No Co-pay
After Deductible plan pays 100% up to policy maximum for covered services.

Co-Insurance

After deductible, plan pays 100% up to policy max

How the Benefits are Paid

After the Insured pays the deductible:

In Europe: After the Insured pays the deductible, the program pays 100% to the selected Maximum
Incidental Trip in USA: Inside PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
Outside the PPO Network: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.

Coverage Type

Lifetime of the policy

Deductible Type

Once in a policy period

Renewability

Renewable (with $5 fee each time you renew), up to a maximum period of 180 days.

Cancellation

Full refund available if cancelled before Review Period (within 3 days of purchasing policy). Only Monthly refund available after start date if no claims have been made. $10 cancellation fee applies

Coverage Length

Min 5 Days to 180 days.

Available Deductibles

Choose From: $0, $50, $100

Available Coverage

Choose From: $50,000; $100,000; $500,000; $1,000,000, $2,000,000
Ages 70 and over: Limited to $50,000

Provider Directory

By Provider, Phone Nos.: 800-628-4664 or 317-655-4500

Plan Brochure

Europe Travel Plus brochure

Home Country Definition

U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.

US States Restrictions

Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State

Country Restrictions

Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana

Europe Travel Plan FAQs

Q1:Who is eligible for Europe Travel Plus Plan ?

  • Non US citizens(both living in and Outside USA), traveling to Europe.

  • It is ideal for Schengen visa holders traveling to Europe
  • It is currently not available for US citizens
  • Q2: Does this plan fulfill all Schengen Visa requirements

    Yes this plan fulfills all Schengen Visa Requirements.

    Some embassies do require $0 as deductible. So it is recommended to choose $0 deductible, if you are looking for coverage for Schengen visa.

    Q3: Will I receive a Visa letter?

    You will get the visa letter and the ID card in your e-mail, within 5 minutes of purchasing the policy. You can print these from your confirmation e-mail and the visa letter can be used as proof of insurance. While filling out the online application, if you select online fulfillment you will not receive anything in the mail (paper mail), but you will receive confirmation in your e-mail. If you select paper mail/snail mail then you will receive the ID card in the mail within 5-10 business days. You can also retrieve your ID card using MyIMG: Get My ID Card

    Q4. Can I cancel the policy?

    Yes, you can cancel the policy and get the full refund back within the Review Period (first 3 days of purchasing the plan).

    After the Review Period, only full month refund is available. $10 cancellation fee applies.

    Q5. What does the incidental trip to the USA mean?

    The Europe Travel Plus plan covers non US citizens for travel to Europe. However, it does offer some coverage for trip to the USA, if it is in transit to or from Europe. This coverage is available for maximum 14 days.

    Q6. What is the Sports riders options?

    Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Adventure Sports Rider Coverage. It is available for those up to the age of 64.

    The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, 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 from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and 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.

    The maximum coverage for Adventure sports rider for different age groups are the following:

    • Age 0-49 Maximum Coverage-$50,000
    • Age 50-60 Maximum Coverage- $30,000
    • Age 60-64 Maximum Coverage- $15,000

    Q7:What is Evacuation Plus Rider?

    Medical Evacuation is provided for only Emergency life threatening medical emergency in the Europe Travel Plus Plan. This optional rider can be purchased with additional premium. It would be available to insured persons, up to 64 years of age. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

    Q8:What is Legal, Loss or Theft of Personal Property, Personal Liability, Felonious Assault Rider?

    When the Insured Person received a legal summons, threat of lawsuit, or other notice of a third-party claim regarding a personal injury or property damage liability, the plan will cover for Attorney Binder Fee up to Maximum of $500

    Q9: Which doctor or hospital can I go to?

    You can go to any doctor or hospital of your choice with the plan. For incidental trips in the USA, the PPO provider for Europe Travel Plus Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

    You can search for doctors or hospitalsin this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

    Q10: How do I use this insurance?

    Please refer to the following article about the policy usage:
    Policy Usage: How to use it?

    Q11: How do I file a claim?

    Please refer to the following article about the policy usage: How to use Visitor Insurance?

    Q12: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

    Based on the desired coverage length you have selected, you have to make the full payment at once.

    Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

    Q13: Where can I find answers to other questions I have?

    Please refer to Visitors Insurance FAQs section.
    Learn more from informative articles at Visitor Insurance Information section.

    If you still have questions, please call our support line toll free: 1.866.384.9104

    Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information

    Disclaimer

    Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.