ET-P

Europe Travel Plus

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

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

acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
medical-coverage-during-travel
Medical Coverage During Travel
renewable-cancelable
Renewable & Cancelable
comprehensive
Comprehensive Coverage Plan
coverage-days
Coverage from 5 days to 6 months
urgent-care
Urgent Care
COVID-19 Excluded
  • Coverage duration options between 5 days and 6 months
  • Coverage for entry denial into Europe
  • Not Available for Addresses from the Following US States: Maryland and New York
    Not available if Home Country/Country of Residences are: Botswana , Gambia, Ghana, Niger, Nigeria & Sierra Leone
    Not available for Citizens of: Botswana, Gambia, Ghana, Niger, Nigeria & Sierra Leone
    Not available if Home Country is: Cuba, Iran, North Korea, Syria, United States, and Venezuela.
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 primary insured; lifetime maximum of $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

AM Best Rating

A (Excellent)

Eligibility

For US citizens and 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.

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 per 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 Insurance Brochure 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

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.