Visitors to the USA
WorldMed Inbound
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
WorldMed Inbound (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for international visitors traveling outside their home country. It provides coverage for eligible new illnesses, injuries, emergency medical care, and travel-related emergencies, making it a dependable choice for vacations, business travel, family visits, and extended international stays. Coverage is available from 5 days to 364 days.
While in the U.S., after the deductible is satisfied within the United Healthcare 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.
WorldMed Inbound does not cover pre-existing conditions. WorldMed Inbound includes acute onset coverage of pre-existing conditions (excluding chronic and congenital conditions): up to $200,000 under age 60 and up to $20,000 for ages 60–64.
Review the WorldMed Inbound policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the United Healthcare 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.
WorldMed Inbound does not cover pre-existing conditions. WorldMed Inbound includes acute onset coverage of pre-existing conditions (excluding chronic and congenital conditions): up to $200,000 under age 60 and up to $20,000 for ages 60–64.
Review the WorldMed Inbound policy documents for complete coverage details, exclusions, and limitations.
How WorldMed Inbound Works
After the deductible, the plan pays 100% of eligible medical expenses in or out of the United Healthcare PPO network
Out of Network
100%
After deductible, 100% URC up to policy maximum
PPO Network for WorldMed Inbound
Inside the USA
The PPO provider for WorldMed Inbound Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. WorldMed Inbound policy holders should visit providers listed within the United Healthcare 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 Travel Insurance Services.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Medical Coverage
Included
Urgent Care
$25 copay, 100% up to Policy Maximum
Trip Interruption
Up to $10000
Emergency Dental Coverage
Up to $1000
PPO Network
Medical Evacuation
Up to $1000000
Lost or Stolen Passport
Upto $100
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Lab & X-Rays
URC up to policy maximum
Medical Coverage
Included
PPO Network
Urgent Care
$25 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $1000000
Trip Interruption
Up to $10000
Lost or Stolen Passport
Upto $100
Emergency Dental Coverage
Up to $1000
Lab & X-Rays
URC up to policy maximum
*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 WorldMed Inbound
- For international travelers traveling outside their home country
- Coverage for minimum 5 days to maximum up to 364 days
- Not Extendable
- For ages 14 days to 64 years
- 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:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
- Up to $200,000: Age 59 and below
- Up to $20,000: Age 60 to 64
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
URC up to policy maximum
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
$25 copay, 100% up to Policy Maximum
Out-Network
Out-Network
$25 copay, 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
URC 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
Up to $1,000
Travel Coverage
Travel-related coverage
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $1,000,000
Return of Mortal Remains
Return of Mortal Remains
Up to $50,000
Trip Interruption
Trip Interruption
Up to $10,000
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Upto $500
Terrorism
Terrorism
Upto $50,000
Personal Liability
Personal Liability
Up to:
$10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
Not subject to deductible, coinsurance, or overall maximumlimit
$10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
Not subject to deductible, coinsurance, or overall maximumlimit
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Upto $100
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
WorldMed Inbound 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:
HCC Medical Insurance Services,Box No. 2005, Farmington Hills, MI 48333-2005
317-262-2140
info@travelinsure.com
Administrator Contacts:
1-800-605-2282 or 317-262-2132
info@travelinsure.com
Claims Form(s):
Please refer to the following article concerning the claim process for WorldMed Inbound:
Visitor Insurance Claim Process
Individuals traveling or residing outside their home country or country of residence may purchase WorldMed Inbound for up to 364 days of coverage.
Pre-existing conditions are not covered by the WorldMed Inbound plan. However, the WorldMed Inbound Plan covers for an acute onset of pre-existing conditions for people 60 and below, up to the $200,000. For people 60-64 over it covers up to $20,000. See the WorldMed Inbound's Description of Coverage for a complete list of exclusions.
The cost of WorldMed Inbound 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.
Inbound: Traveling to the U.S.
Yes, you may go to your choice of provider in the U.S. with WorldMed Inbound. 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.
Outbound: Traveling Outside the U.S.
Yes, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company to help you locate a doctor or hospital.
Please refer to the following article about WorldMed Inbound policy usage:
How to Use Your Visitor Insurance
Worldmed Inbound insurance cannot be extended. However, if you anticipate staying outside of your home country and in a foreign country longer, you can purchase an additional Worldmed Inbound insurance plan to begin at the end of your current plan.
Yes, you can cancel WorldMed Inbound. A written request is required for cancellation. If you request a cancellation before the effective start date, you will receive a full refund back.
You cannot remove one person from the WorldMed Inbound 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.
To purchase WorldMed Inbound, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
Your WorldMed Inbound receipt and Confirmation of Insurance will be emailed to you.
Coverage with WorldMed Inbound 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.
WorldMed Inbound 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. The WorldMed Inbound plan does not cover for the COVID-19 vaccine/booster. WorldMed Inbound will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Coverage will begin on the date selected and once the policyholder has left their home country. The WorldMed Inbound policy will only cover for conditions that occur after the policy effective date.
Only the primary destination in the WorldMed Inbound 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.
Coverage on a WorldMed Inbound plan will begin on the selected coverage start date and once the traveler has left their home country. Coverage areas are anywhere outside ones' 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 WorldMed Inbound plan won't be extended or renewed 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.
The WorldMed Inbound plan does not offer any coverage for quarantine.
Yes, you may enroll in WorldMed Inbound regardless of how long you have been living or traveling outside your home country or country of residence.
No. However, your WorldMed Inbound policy can go into effect as early as one day after your enrollment is received.
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 with WorldMed Inbound, 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.
Yes, you can cancel WorldMed Inbound. A written request is required for cancellation. After the start date of the policy, a refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. A $25 cancellation fee would apply. No refund is available if there is a claim on file.
You may make changes to your personal information for WorldMed Inbound 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.
The insurance provider for WorldMed Inbound 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 application before completing the purchase to prevent any errors and corrections.
The deductible is the amount that you, the Insured person, pays before WorldMed Inbound begins to pay for covered medical expenses.
The Beneficiary is the person (or persons) who receives the Accidental Death benefit from WorldMed Inbound 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.
Have specific questions about this plan?
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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.
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.
