- AM Best Rating
- A (Excellent)
Lloyd's of London
After deductible, the plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 12 months
WorldMed Inbound Insurance is a international travel insurance plan that provides medical coverage and travel emergency services to folks and families traveling outside their home country. After the deductible is satisfied, the plan pays 90% for the first $10,000 and then 100% thereafter towards eligible covered expenses for each sickness or injury.
Please review WorldMed Inbound Insurance Brochure or policy document for complete and accurate coverage information.
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Common Carrier Accidental Death
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
Lloyd's of London
WorldMed Inbound covers non-U.S. citizens who are traveling outside of their home country, and at least one of their destination countries is the U.S.
Comprehensive Coverage Plan
Percentage based coverage.
AM Best Rating
Coverage in U.S.A.
Coverage outside U.S.A.
90% for the first $10,000 of accumulated expenses only.
100% covered thereafter up to the policy maximum.
How the Benefits are Paid
After the deductible, plan pays 90% for the first $10,000 of accumulated expenses; then plan pays 100% to the selected policy maximum.
Lifetime of the policy
Once Annually or Per Policy Period.
Full refund available if cancelled before start date. $25 cancellation fee applicable. After effective date NO REFUND
No PPO Network
5 days to 364 days
Choose From: $0, $250, $500, $1,000
Plan A: $500,000 ( For Sickness and injury)
Plan B: $1,000,000 ( For Sickness and Injury)
By Provider, Phone Nos. : 888-647-3105 or 630-766-7731
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
WorldMed Inbound Insurance FAQs
Q1 : Who is eligible to purchase WorldMed Inbound Insurance?
Individuals traveling or residing outside their home country or country of residence may purchase WorldMed for up to 364 days of coverage.
Q2 : Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or country of residence.
Q3 : Will my WorldMed policy go into effect the day I enroll?I need coverage soon.
No. However, your policy can go into effect as early as one day after your Enrollment is received.
Q4 : Is it possible to renew my policy?
Worldmed Insurance cannot be renewed. However, if you anticipate staying outside of your home country and in a foreign country longer, you can purchase an additional Worldmed Insurance plan to begin at the end of your current plan.
Q5 : Will I be able to make changes to my policy?
You may make changes to your personal information at any time, such as: address, email address and/or phone number. If you would like to select a different plan, deductible or different Buy-Up Options, you will need to submit a new Enrollment.
Q6 : How will proof of insurance be sent to me?
Your receipt and Confirmation of Insurance will be emailed to you.
Q7 : If I need medical care, will I have to pay for my expenses at the time of treatment?
You may have to pay for medical care at the time of treatment depending on the medical facility being used. In the event that the medical facility requires payment up front, you can submit a claim for reimbursement, less your selected deductible and the co-insurance. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the insurance company's Assistance Service.
Q : What is a deductible?
The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical expenses. All WorldMed plans offer a choice of deductibles.
Q8 : May I choose any doctor or hospital if I need medical care?
Yes, you may go to your choice of provider in the U.S. However, the coinsurance will be waived for visitors to the U.S. if expenses are incurred within the PPO network. Click here to search for a care provider in the United States.
Q9 : What is a beneficiary?
The Beneficiary is the person (or persons) who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. The Insured will automatically be the Beneficiary for any insured spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.
Q10 : Does WorldMed cover pre-existing conditions?
Pre-existing conditions are not covered by the WorldMed Plan. However, the WorldMed Plan covers for an acute onset of pre-existing conditions for people up to 64 years of age, up to the $20,000. For people 65 & over it covers up to $2,500. See WorldMed's Description of Coverage for a complete list of exclusions.
Q11 : What is "Home Country Coverage"?
The Home Country Coverage Benefit provides limited coverage under
Q12 : If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to Travel Insurance Services.
Q13 : Am I eligible for a partial refund if I return home before my policy expires?
No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. (This is noted in the Enrollment Agreement when you purchase online.) Refunds are considered only before coverage starts.
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.