Outreach Group Travel Medical insurance

This is travel medical insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country while on international outreach work.

For those 65 years of age and older and visiting the U.S., your initial period of coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your insurance carrier on the application form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your application form

Outreach is Administered by IMG. Visit IMG's plan provider page for more information.

The Outreach plan 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. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

You will need names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destination's, home country address, and a valid credit card.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

The Outreach travel can be canceled for full refund prior to the effective date. After the effective date, cancellations will only be accepted if there are no claims on file. Only full month premiums are refundable.

Pre-existing conditions are not covered by the Outreach travel plan. However, the Outreach travel plan covers up to the policy maximum for those 65 and under with a primary health plan and up to $20,000 for those without a primary health insurance plan for an acute onset of pre-existing conditions. An acute onset of a pre-existing condition is defined as: A sudden and 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. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. A Pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Please refer to the following article concerning the claim process:Visitors Claims Process

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am EST on the following day after the last date of coverage.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Learn more from informative articles at the Visitor Insurance Information section.