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International Major Medical PIU : Reviews, Ratings, and Feedback

International Major Medical PIU

Comprehensive Coverage,Rated A (Excellent)
Lloyd's of London

International Major Medical PIU is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 10 days to 330 days. While in the U.S, after the deductible is satisfied within the First Health PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how International Major Medical PIU works.


International Major Medical PIU does not offer coverage for COVID-19.

International Major Medical PIU does not cover Pre-Existing medical conditions. Please review International Major Medical PIU policy documents for complete coverage and exclusions.

Plan Highlights

  • After the deductible, plan pays 100% of eligible medical expenses within the PPO network; Outside the PPO network, plan pays URC up to the policy maximum
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Prescriptions
  • Emergency Return Home
  • Home Health Care
  • Lost Checked Luggage
  • Optional Hazardous Sports and Activities Rider
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: PIU
  • Underwriter: Lloyd's of London
  • Best Suitable for: International travelers needing coverage outside home country
  • Eligibility (Who can buy this travel insurance?): International travelers
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • AM Best Rating: A (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • First Health PPO Network
  • After the deductible plan pays: 100% up to the policy maximum
  • International Coverage
  • Provides $100,000 policy maximum for 70+
  • Emergency Medical Evacuation: Up to $250,000
  • Optional Hazardous Sports and Activities Rider
What's Not So Good

What's Not So Good

  • COVID-19 Excluded
  • Maximum 11 month policy period
  • No coverage for Acute onset of Pre-Existing Conditions
  • Not Extendable/Renewable
  • Not Cancellable (After effective date premium is considered fully earned)

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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.