Global HopperSM Senior plan Addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000.
IMG has developed two GlobeHopper® Senior plan options that offer a market leading, affordable travel medical insurance that bridges the gap left by other limited domestic plans that do not cover seniors when they leave the U.S. GlobeHopper Senior Single-Trip helps protect travelers who need travel medical insurance coverage from five days up to 12 months while on a single trip. GlobeHopper Senior Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to 30 days maximum.
Who the plan is designed for?
U.S. citizens and U.S. permanent residents 65 years of age or older, who are qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan.
Summary of Benefits
All coverage amounts shown are in U.S. dollars. URC = Usual, Reasonable and Customary charges
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
|Limit/Other||Limit/Amount for Eligible Medical Expenses|
|Period of Coverage||Minimum 5 days, up to a maximum of 365 days|
|Area of Coverage||Outside the United States|
|Maximum Limit per Period of Coverage Age: 65-79||$50,000, $100,000, $500,000, or $1,000,000|
|Maximum Limit per Period of Coverage
|Deductible||$0*, $100, $250, $500, $1,000, or $2,500
* 0 Deductible only available with $50,000 and $100,000 maximum limit
|Sudden & Unexpected Reoccurrence of Pre-existing Condition||Eligible medical expenses: $2,500 maximum limit.
Emergency medical evacuation: $25,000 maximum limit.
|Inpatient/Outpatient Benefits Charges for||Maximum Limits per Period of Coverage, or if indicated, per lifetime|
|Hospital Room & Board||Average semi-private room rate|
|Intensive Care Unit||URC|
|Home Nursing Care||URC|
|Durable Medical Equipment||URC|
|Continuation of Treatment Period||Earlier of 6 months per Injury or Illness, or upon return to home country|
(Must be approved in advance and coordinated by the company. Not subject to the deductible)
|Maximum Limits per Period of Coverage or if Indicated, per Lifetime|
|Emergency Medical Evacuation||$250,000 lifetime maximum|
|Emergency Reunion||$50,000 lifetime maximum|
|Non-Emergency Medical Evacuation||$25,000 lifetime maximum|
|Return of Mortal Remains||$50,000 lifetime maximum|
|Local Burial/Cremation||$5,000 lifetime maximum|
|Political Evacuation||$50,000 lifetime maximum|
|Inter-facility Transportation||$2,500 lifetime maximum|
|Natural Disaster||$100 per day for five days, $5,000 lifetime maximum for evacuations|
|ADDITIONAL BENEFITS||Maximum Limits per Period of Coverage or if Indicated, per Lifetime|
|Terrorism||$50,000 lifetime maximum. Not subject to the deductible|
|Accidental Death and Dismemberment||$25,000 principal sum|
|Common Carrier Accidental Death||$100,000 per adult/ $250,000 per family lifetime maximum|
|Lost Luggage||$50 maximum per item of personal property, $250 overall maximum|
|Hospital Indemnity||$250 per night, 30 overnights maximum|
|Felonious Battery||$10,000 lifetime maximum|
|Local Ambulance Expense||$5,000|
|Emergency Room - Due to Accident or Illness with Inpatient Admission||URC|
|Emergency Room - without Inpatient Admission||URC. Subject to additional $250 deductible|
|Dental Emergency - Treatment due to Accident||URC|
|Dental Emergency - Treatment of Unexpected Pain to Natural Teeth||$100|