Europe Travel Plus
- AM Best Rating
- A (Excellent)
After deductible, the plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 180 days
- Coverage for entry denial into Europe
- Cannot accept an address in Maryland (MD).
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.
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Common Carrier Accidental Death
Hazardous Sports Coverage
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
For US citizens and non-US citizens, including US Green Card holders, traveling to Europe for a short trip.
Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.
AM Best Rating
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
After Deductible plan pays 100% up to policy maximum for covered services.
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.
Lifetime of the policy
Once per policy period
Renewable (with $5 fee each time you renew), up to a maximum period of 180 days.
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
Min 5 Days to 180 days.
Choose From: $0, $50, $100
Choose From: $50,000; $100,000; $500,000; $1,000,000, $2,000,000
Ages 70 and over: Limited to $50,000
By Provider, Phone Nos.: 800-628-4664 or 317-655-4500
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
Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana
Europe Travel Plus Plan FAQs
Q1: Who is eligible for the Europe Travel Plus Plan ?
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 to satisfy Schengen visa insurance requirements.
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 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:
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:
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?
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
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.