Europe Travel Plus
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 6 months
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 
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 for policy maximums of $50k or $100k
For policy maximums of $500k, $1million, or $2million: Up to $250k for prescription drugs/medicaition
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 Specialty Insurance Corporation
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
Extendable (with a $5 fee each time you extend), 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
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 Plus Plan FAQs | ||||||||
| Q1: Does Europe Travel Plus cover coronavirus? For policyholders who purchased Europe Travel Plus on or after March 17, 2021, coverage for COVID-19 will be covered the same as any other eligible illness for those who contract the virus after the policy effective date. Please login to My Policy to view your plan specific documents for any limits or exclusions.. | ||||||||
| Q2: Does Europe Travel Plus cover the Coronavirus vaccination? Europe Travel Plus doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | ||||||||
| Q3: Who is eligible for the Europe Travel Plus Plan ?
| ||||||||
| Q4: 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 to satisfy Schengen visa insurance requirements. | ||||||||
| Q5: 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 | ||||||||
| Q6. 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. | ||||||||
| Q7. What does the incidental trip to the USA mean? The Europe Travel Plus plan covers 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.
| ||||||||
| Q8. 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:
| Q9: 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. | Q10: 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 | Q11: 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. | Q12: How do I use this insurance? Please refer to the following article about the policy usage: | Q13: How do I file a claim? Please refer to the following article about the policy usage: How to use Visitor Insurance? | Q14: 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. | Q15: When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | Q16: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs 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.
