Visitors to the USAWorldwide
International Major Medical PIU
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
International Major Medical (A.M. Best Rating: A) is a comprehensive medical insurance plan for permanent residents, green card holders, and individuals who are waiting for or not yet eligible for Medicare. It helps bridge temporary gaps in health coverage by providing comprehensive medical benefits and access to the First Health PPO network. Coverage 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 selected policy maximum. Outside of the PPO network, the plan will pay 100% of the URC, up to the selected policy maximum.
International Major Medical does not cover pre-existing conditions.
Review the International Major Medical policy documents for complete coverage details, exclusions, and limitations.
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 selected policy maximum. Outside of the PPO network, the plan will pay 100% of the URC, up to the selected policy maximum.
International Major Medical does not cover pre-existing conditions.
Review the International Major Medical policy documents for complete coverage details, exclusions, and limitations.
How International Major Medical PIU Works
After the deductible, plan pays 100% of eligible medical expenses within the First Health PPO network; Outside the PPO network, plan pays URC up to the policy maximum
In Network
100%
After deductible, 100% up to policy maximum
See How International Major Medical PIU Works.
Out of Network
100%
After deductible, 100% URC up to policy maximum
PPO Network for International Major Medical PIU
Inside the USA
The PPO provider for International Major Medical PIU Insurance is First Health, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention First Health as your PPO provider. International Major Medical PIU policy holders should visit providers listed within the First Health directory to take advantage of in-network benefits.
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 Petersen International.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to policy maximum
Urgent Care
100% up to policy maximum
Medical Evacuation
Up to $250000
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Lab & X-Rays
URC up to policy maximum
Hospitalization
Average semi-private room and rate
PPO Network
Prescription Rx - Medicine
Up to $500
Lost Baggage
Upto $500
Emergency Room
100% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
100% up to policy maximum
PPO Network
Medical Evacuation
Up to $250000
Prescription Rx - Medicine
Up to $500
Lab & X-Rays
URC up to policy maximum
Lost Baggage
Upto $500
*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 International Major Medical PIU
- Coverage duration options up to 11 months
- Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries
- Not Extendable
- For non-US citizens traveling to the USA
- Coverage is available for those up to the age of 84
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% URC 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:
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
Up to $500
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Urgent Care
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Lab & X-rays
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Average semi-private room and rate
Out-Network
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Room
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Not covered
Travel Coverage
Travel-related coverage
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $250,000
Return of Mortal Remains
Return of Mortal Remains
Up to $250,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Upto $500
Terrorism
Terrorism
Not covered
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
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
International Major Medical PIU 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:
International Risk Management Group, P.O. Box 2104, Doylestown, PA 18901
215-794-1498
piu@piu.org
Administrator Contacts:
215-794-1488
piu@piu.org
Claims Form(s):
Non-US citizens between 14 days and 84 years old traveling to the USA can purchase International Major Medical PIU.
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network, which is the FirstHealth PPO Network.
You can search for doctors or hospitals in the Provider Directory.
The cost of International Major Medical PIU varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $8 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
After purchasing the International Major Medical PIU 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.
Written notice of an International Major Medical PIU claim must be submitted to the insurance company within 20 days after the eligible expense incurred. On receiving the notice of claim, the underwriters will furnish the claim form.
The claim form must be submitted within 90 days from the date the eligible expenses are incurred along with the following documents.
The claim form must be submitted within 90 days from the date the eligible expenses 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 of 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 the Underwriter's expense.
The International Major Medical PIU plan is not extendable. If additional coverage time is needed, you may repurchase the plan for the remaining travel duration.
You are able to cancel the International Major Medical PIU plan for a full refund before the start date of the coverage. After the policy start date, the premium is fully earned and therefore nonrefundable.
You cannot remove one person from the International Major Medical PIU 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.
In order to apply for International Major Medical PIU, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
After purchasing the International Major Medical PIU policy online, you will receive your ID card in your confirmation email.
International Major Medical PIU 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 International Major Medical PIU plan does not offer any coverage for COVID-19. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
The International Major Medical PIU 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.
Coverage will begin on the date selected and once the policyholder has left their home country. The International Major Medical PIU policy will only cover for conditions that occur after the policy effective date.
Coverage on the International Major Medical PIU plan will begin on the date of departure 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.
No, your International Major Medical PIU plan won't extend or renew 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.
You would need to buy the International Major Medical PIU plan separately for everyone. You cannot buy a combined policy for spouses or children. The pricing is based on the age of the insured and the number of days chosen.
Yes, you may purchase the International Major Medical PIU policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
You can purchase International Major Medical PIU for a maximum period of 11 months. You can repurchase the plan subject to underwriters approval.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the International Major Medical PIU application before completing the purchase to prevent any errors and corrections.
Have specific questions about this plan?
AI Assistant International Major Medical PIUAI assistant can help you find specific terms and details in the policy document.
Need more assistance?
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
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.
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.
