Schengen Visa RequirementTravelers to Europe
Europe Travel Plus
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Europe Travel Plus (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for travelers visiting Europe. It provides dependable medical coverage, emergency travel assistance, and is well suited for travelers who need insurance for Schengen Visa requirements, vacations, business trips, or extended stays. Coverage is available from 5 days to 365 days.
Europe Travel Plus does not participate in any PPO network. You can visit any doctor or hospital of your choice.
Europe Travel Plus does not cover pre-existing conditions. Europe Travel Plus includes acute onset coverage of pre-existing conditions up to $35,000.
Review the Europe Travel Plus policy documents for complete coverage details, exclusions, and limitations.
Europe Travel Plus does not participate in any PPO network. You can visit any doctor or hospital of your choice.
Europe Travel Plus does not cover pre-existing conditions. Europe Travel Plus includes acute onset coverage of pre-existing conditions up to $35,000.
Review the Europe Travel Plus policy documents for complete coverage details, exclusions, and limitations.
Learn more about 3 optional add-on benefits available on this plan.
How Europe Travel Plus Works
Out of Network
100%
After deductible, 100% up to policy maximum See How Europe Travel Plus Works.
PPO Network for Europe Travel Plus
Inside the USA
The Europe Travel Plus Insurance plan is an international plan that does not provide coverage in the U.S.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG .
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
100% up to policy maximum
Prescription Rx - Medicine
Up to $250000
Acute Onset of Pre-Existing Conditions
Up to $35000
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $300000
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Lab & X-Rays
100% up to policy maximum
Emergency Room
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to $35000
Hospitalization
Average semi-private room and rate
Schengen Visa Requirement
Yes
Urgent Care
100% up to policy maximum
Medical Evacuation
Up to $300000
Prescription Rx - Medicine
Up to $250000
Lab & X-Rays
100% up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Eligibility for Europe Travel Plus
- For travelers visiting Europe
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 1 year
- Extendable for up to 365 days
- If you are purchasing this plan for Schengen visa purposes, select a zero dollar ($0) deductible
- Renewal option available up to a maximum of 1 year
- Incidental Trip within USA for up to 14 days, while transiting to or from Europe
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
Out-Network
100% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Up to $35,000
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
100% up to $250,000
Dr. / Physician Visit
Out-Network
100% up to policy maximum
Urgent Care
Out-Network
100% up to policy maximum
Surgical Treatment
Out-Network
100% up to policy maximum
Lab & X-rays
Out-Network
100% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
Out-Network
100% up to policy maximum
Surgical Treatment
Out-Network
100% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
Out-Network
Up to $2,500
Emergency Room
Out-Network
100% up to policy maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Up to $500
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
One way ticket and/or common carrier change fees up to $550
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $300,000
Return of Mortal Remains
Return of Mortal Remains
Up to $50,000
Trip Interruption
Trip Interruption
Up to $5,000
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Up to $500, $50 per limit
Terrorism
Terrorism
Up to $50,000
Personal Liability
Personal Liability
Optional Coverage: Up to $1,000
Identity Theft
Identity Theft
Up to $500
Legal Fees
Legal Fees
Optional Coverage: Up to $500
Lost or Stolen Passport
Lost or Stolen Passport
Up to $250
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Optional add-on benefits
More coverage options available for extra protection.
Personal Property and Liability Rider
Personal Property and Liability Rider
The rider includes the following provisions: Legal Assistance up to $500 max per period of coverage, Loss or Theft of Personal Property $50 item/$1,000 max per period of coverage, Personal Liability and Felonious Assault up to $10,000 per lifetime. Please Note: This is only a summary of the rider inclusions; for full details, please refer to the Certificate of Insurance.
Adventure Sports Rider
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. 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:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Europe Travel Plus Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
Apple Valley, MN 55124 USA
Apple Valley, MN 55124 USA
317-655-4500
imgcustomercare@imglobal.com
Administrator Contacts:
800-628-4664 or 317-655-4500
imgcustomercare@imglobal.com
Claims Form(s):
Please refer to the following article concerning the Europe Travel Plus claim process:
Visitor Insurance Claim Process
Europe Travel Plus is available for:
- US Citizens and Non-US citizens (living in and outside the USA), traveling to Europe.
- It is ideal for Schengen visa holders traveling to Europe.
Yes Europe Travel Plus fulfills all Schengen Visa Requirements.
Some embassies do require $0 as a deductible. We recommend choosing a $0 deductible if you are looking for coverage to satisfy Schengen visa insurance requirements.
The cost of Europe Travel Plus varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, selected coverage benefit limits, and the addition of additional coverage options (riders). Typically, Europe Travel Plus can cost about $3 a day for the duration of the trip for a person 50 years of age selecting International travel coverage to countries in Europe .
You can go to any doctor or hospital of your choice with the Europe Travel Plus plan.
Please refer to the following article about the Europe Travel Plus policy usage: How to use Visitor Insurance?
Each insurance company may have state-specific regulations on where their plans can be sold, affecting only residents of those states. These state restrictions for Europe Travel Plus are in place to ensure compliance with insurance regulatory requirements.
Yes, you can extend Europe Travel Plus. It is recommended to extend the plan at least two days before the policy expires. There is $5 fee for the extension. The policy can be extended for up to a maximum of 1 year.
Yes, you can cancel Europe Travel Plus and receive a full refund back before the review period, or within three days after after the policy effective date. After the review period, you may submit a cancellation request as long as no claims have been submitted.
(1) You will be required to pay a $10 cancellation fee and (2) Only full-month premiums will be considered refundable. If you have filed claims, your premium is non-refundable.
(1) You will be required to pay a $10 cancellation fee and (2) Only full-month premiums will be considered refundable. If you have filed claims, your premium is non-refundable.
You cannot remove one person from the Europe Travel Plus policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
To purchase Europe Travel Plus, you will need full name(s), coverage dates, date(s) of birth, home country address, and a valid credit card.
You will get the visa letter and the ID card in your e-mail, within 5 minutes of purchasing Europe Travel Plus. You can print these from your confirmation e-mail and the visa letter can be used as proof of insurance. You can also retrieve your ID card using MyIMG: Get My ID Card
Europe Travel Plus will provide coverage in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates.
Europe Travel Plus can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Europe Travel Plus plan does not cover for the COVID-19 vaccine/booster. Europe Travel Plus will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since Europe Travel Plus 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.
Europe Travel Plus coverage begins on the selected date once the policyholder leaves their home country and only covers conditions occurring after this date.
Only the primary destination will be listed on the Europe Travel Plus policy documents, but all eligible countries will still be covered during the policy period.
Europe Travel Plus coverage begins on the selected coverage start date when the traveler leaves their home country. It applies anywhere outside the home country while the policy is active. Coverage ends immediately upon the traveler's re-entry into their home country.
No, your Europe Travel Plus plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
The Europe Travel Plus plan does not offer any coverage for quarantine.
The insurance provider for Europe Travel Plus recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
The Adventure Sports Rider offered in the Europe Travel Plus plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes: abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; 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.
PLEASE NOTE: Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.
The Accidental Death and Dismemberment rider can be added to increase the Accidental Death and Dismemberment benefits already included in the Europe Travel Plus policy. This option must be added and purchased at the time of application, with a minimum coverage period of 3 months. PLEASE NOTE: The premium is charged in whole-month increments.
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.
During the Europe Travel Plus policy period, if you need to go back to your home country for a short trip, before resuming your travels, then the plan would cover in your home country for such short trips. The maximum number of days for coverage is 14 days. The trip must not be taken for medical purposes.
The Personal Property and Liability rider, offered with Europe Travel Plus, provides the following benefits to a policyholder who chooses the coverage and purchases at the time of application.
PLEASE NOTE: This is only a summary of the rider inclusions; for full details, please refer to the Certificate of Insurance.
Yes, you may purchase Europe Travel Plus even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
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
If your original payment method for Europe Travel Plus is invalid, refunds will require a wire or ACH transfer. Please provide the account holder's full address, account type (checking/savings), and complete bank information for processing.
Have specific questions about this plan?
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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.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Personal Property and Liability Rider
The rider includes the following provisions: Legal Assistance up to $500 max per period of coverage, Loss or Theft of Personal Property $50 item/$1,000 max per period of coverage, Personal Liability and Felonious Assault up to $10,000 per lifetime. Please Note: This is only a summary of the rider inclusions; for full details, please refer to the Certificate of Insurance.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. 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:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
