International Major Medical PIU

Comprehensive Coverage,  Rated A (Excellent)Lloyd's of London
AM Best Rating
A (Excellent)
Lloyd's of London
In Network

After deductible, the plan pays 100% up to the policy maximum.

Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 10 days to 11 months
Urgent Care
COVID-19 Excluded
  • Coverage duration options up to 11 months
  • Not available for address in these U.S states/territories: Guam, Maryland, New York, South Dakota

International Major Medical Insurance offers travel health insurance coverage and emergency medical services to visitors, family members and individuals traveling outside their home countries.

Note: The International Major Medical Plan is not available in the following states: Maryland, New York, South Dakota

Please review International Major Medical Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.


Dr. / Physician Visit

The plan pays 100% to the selected maximum.

Surgical Treatment

The plan pays 100% to the selected maximum.

Prescription Drugs / Medicines

The plan pays 100% to the selected maximum.

Lab & X-rays

The plan pays 100% to the selected maximum.

Physical Therapy

The plan pays 100% to the selected maximum.


Hospital Room

The plan pays 100% to the selected maximum.

Surgical Treatment

The plan pays 100% to the selected maximum.

Hospital Intensive Care Unit

The plan pays 100% to the selected maximum.

Emergency Services

Ambulance Expenses

The plan pays 100% to the selected maximum.

Emergency Room(ER)

The plan pays 100% to the selected maximum.


Acute, spontaneous and unexpected pain

Not covered

Accidental emergency

Not covered


Emergency Medical Evacuation / Repatriation


Return of Remains

Up to $250,000

Emergency Reunion

$5,000 Lifetime Maximum

Return of minor Child(ren)

Not Covered

Trip Interruption

No coverage for Trip Interruption. But Provides coverage for Trip Cancellation Benefit subject to certain conditions. (Please see policy details )

Loss of checked Baggage

Up to max $500




Common Carrier Accidental Death



Hazardous Sports Coverage

Coverage available

Pre-Existing Conditions

Not covered


Not covered

General Physical full Checkup

Not covered

Terrorism Coverage

Optional Coverage Available



24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company


Carrier / Underwriter

Lloyd's of London

AM Best Rating

A (Excellent)


Available for non-US citizens between 14 days and 84 years of age

Plan Type

Comprehensive Plan

Coverage in U.S.A.


Coverage outside U.S.A.



No Co-pay


After the Insured pays the deductible, the plan pays 100% to the selected maximum.

How the Benefits are Paid

After the deductible plan pays 100% to the selected maximum.

Coverage Type

Life Time of the policy

Deductible Type

Per Certificate Period


Not Renewable


Not Cancelable after policy becomes effective. Full refund available if cancelled before start date. cancellation fee may apply. After effective date NO REFUND

PPO Network

First Health Network

Coverage Length

Up to 6 months

Available Deductibles

Age 0-69 :$100, $250, $500,$1,000, $2,500 or$5,000
Age 70-79 : $1,000, $2,500 or $5,000
Age 80-84 :$2,500 or $5,000

Available Coverage

Age 0-69 up to $1,000,000
Age 70-74 up to $500,000
Age 75-79 up to $250,000
Age 80-84 up to $100,000

Provider Directory

Toll Free: 800-345-8816 Phone: 661-254-0006 Fax: 661-254-0604

Plan Brochure

International Major Medical Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

US States Restrictions

Restricted States: Maryland, New York and South Dakota are restricted for a correspondence address

Country Restrictions

No restriction. Only requirement is to provide a US address while purchasing the policy

International Major Medical Insurance FAQs

Q1: Who is Eligible for the International Major Medical Insurance?

  • Non-US citizens between 14 days and 84 years old traveling to the USA

Q2: 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 International Major Medical, which is the FirstHealth PPO Network.
You can search for doctors or hospitals in the Provider Directory.

Q3: How will I receive my ID card?
The ID card along with the policy certificate will be mailed to you by traditional US postal Services after you been approved of the coverage.

Q4: How long can I purchase this insurance for?
You can purchase this insurance for a maximum period of 180 days. You can repurchase the plan subject to underwriters approval

Q5: How do I buy this insurance?
You have two options to purchase this insurance. Either online or by paper application. processing fee of $100 is charged if you choose to apply through paper application. The coverage is subject to approval by the underwriters. Time taken for approval varies from instant approval to 4-5 business days.

Q6: How do I use this insurance?
After purchasing the policy online, you will receive your ID card in your confirmation email. You can go to any doctor/hospital of your choice within the specific geographic area. The doctor/hospital can either ask you to pay up front or will bill the insurance company directly. You will need to go through a mandatory claim process afterwards. Benefits are subject to the terms and conditions as outlined in the certificate.

Q7: How do I file a claim?
Written notice of a claim must be submitted to the insurance co. within 20 days after the eligible expense incurred. On receiving the notice of claim, the underwriters will furnish the claim form.
The claim from must be submitted within 90 days after the date eligible expense are incurred along with the following documents.

  • Completed Claim form.
  • Signed authorization for release of medical records.
  • Original receipts form providers, or copies of cancelled checks or credit card payments plus a copy of a provider statement or bill.

All receipts must contain legible information to determine the name and address the Provider; the diagnosis; the treatment rendered; the date of service; and the payment made to Provider. In addition, Underwriters reserve the right to verify Your proof of loss by obtaining any or all necessary medical records or other necessary information from other sources. This will be obtained at Underwriter's expense.

Q8: 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?
This policy has a monthly payment plan. The application will ask for your credit card information. The monthly payment will be automatically deducted from the corresponding credit card account.

Q9: I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?
You would need to buy the Plan separately for everyone. You cannot buy a combined policy for spouses or children. The pricing is based on the age of the insured & number of days chosen.


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.