GlobeHopper Senior
Comprehensive Coverage- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
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IMG
Sirius International
Acute onset of Pre-Existing Conditions
Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 12 days
PPO
PPO Network
Urgent Care
- Cannot accept an address in Maryland (MD).
Out-Patient
Dr. / Physician Visit
100% after deductible is met
Urgent Care
100% after deductible is met
Surgical Treatment
100% after deductible is met
Prescription Drugs / Medicines
100% after deductible is met
Lab & X-rays
100% after deductible is met
Physical Therapy
100% after deductible is met
In-Patient
Hospital Room
100% after deductible is met
Surgical Treatment
100% after deductible is met
Hospital Intensive Care Unit
100% after deductible is met
Emergency Services
Ambulance Expenses
$5,000
Emergency Room(ER)
100% after deductible is met. Additional $250 deductible applies if not admitted as an inpatient
Dental
Acute, spontaneous and unexpected pain
$100
Accidental emergency
100% after deductible is met
Travel
Emergency Medical Evacuation / Repatriation
$250,000 maximum coverage. Has to be coordinated by insurance company
Return of Remains
$50000 maximum coverage. Has to be coordinated by insurance company
Emergency Reunion
Not Covered
Return of minor Child(ren)
Not Covered
Trip Interruption
$5,000
Loss of checked Baggage
$50 per item up to $250 max per period of coverage
Life
AD&D
$25,000
Common Carrier Accidental Death
$100,000 per adult/$250,000 per family
Other
Pre-Existing Conditions
For Sudden and Unexpected Recurrence of pre-existing conditions: Up to Maximum $2,500 for Medical Expenses Up to maximum $25,000 for Medical Evacuation
Maternity
Not Covered
General Physical full Checkup
Not Covered
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
Can be purchased by US citizens and US Green card Holders, above 65, who are enrolled in Medicare Part A and B and also Medicare Advantage, traveling outside USA
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.
Not Covered
Coverage outside U.S.A.
Covered
Co-Pay
No Copay. Plan pays certain percentage of bill
Co-Insurance
After deductible is met, plan pays 100% for covered services up to policy maximum
How the Benefits are Paid
After deductible is met, plan pays 100% for covered services up to policy maximum
Coverage Type
Lifetime of the policy
Deductible Type
Annual deductible. One time in policy period.
Renewability
Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 365 days
Cancellation
Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)
PPO Network
Coverage Length
Min 5 days-Max 365 days
Available Deductibles
Choose From: $0, $100, $250, $500, $1,000, $2,500
Available Coverage
Choose From: $50,000; $100,000; $500,000; $1,000,000 Ages 80+: Limited to $100,000 Ages 80+: Limited to $10,000
Provider Directory
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
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
Globe Hopper Senior FAQs |
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Q1: Am I eligible for the Globe Hopper Senior Plan? The Globe Hopper Senior Plan is available for any US citizen or Resident, above the age of 65, who are enrolled into Medicare and Medicare Advantage Plans, while visiting anywhere outside the USA, for a short period of time. It is not available for Non-US citizens, or US Citizens Green Card Holders who are not enrolled into Medicare. |
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Q2.What Information do I need to buy the Plan? You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan. |
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Q3: When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, 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 |
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Q4.Can I renew the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 30 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge. |
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Q5.Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Globe Hopper Senior Plan, if you need to go back earlier than plan. The following rules apply: | ||||||
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Q6.Are pre-existing conditions covered by the Gloe Hopper Senior Plan? Pre-existing conditions are not covered by Globe Hopper Senior Plan. However the Plan covers up to $2,500 for an sudden and unexpected recurrence of pre-existing conditions It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. | ||||||
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Q7.What is an sudden and unexpected recurrence of pre-existing condition? An sudden and unexpected onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under sudden and unexpected recurrence of pre-existing condition. | ||||||
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Q8.What's the Rx Discount Card that comes with this plan? This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan. Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card |
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Q9. What is the Citizenship Return Rider? Should I get it? The Citizenship Return rider is an optional coverage for people who live outside their country of citizenship, and need coverage there for a short trip. It is an optional coverage that you can get with additional premium.The Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. Citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past 6 months. Pre-exsiting conditions are exempt. |
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Q10. 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:
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Q11:What is Evacuation Plus Rider? Medical Evacuation is provided for only Emergency life threatening medical emergency in the Patriot Platinum 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.
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Q12: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot Platinum Plan, which is the FirstHealth PPO Network. You can search for doctors or hospitals in this Provider Directory.
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Q13: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance?
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Q14: How do I file a claim? Please refer to the following article concerning the claim process:
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Q15: 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.
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Q16: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. 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.
