GlobeHopper Senior

Temporary health insurance for travelers age 65+

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Summary of Benefits

Limit/Other Limit/Amount for Eligible Medical Expenses
 
PlansSingle-TripMulti-Trip
Period of CoverageMinimum 5 days, up to a maximum of 365 daysUp to 30 or 45 days, depending on the plan option you choose.
Area of CoverageOutside the United StatesOutside the United States
Maximum Limit per Period of Coverage $50,000 to $1,000,000 - dependent upon age$100,000 to $1,000,000 - dependent upon age
Deductible$0 to $2,500 - dependent on max limit $250 per injury or illness
Extensions Up to 12 continuous months Up to 24 continuous months
Coinsurance IMG pays 100% IMG pays 100%
Sudden & Unexpected Reoccurrence of Pre-existing Condition$2,500 maximum limit$5,000 maximum limit
Continuation of Treatment PeriodEarlier of six months per injury or illness or upon return to country of residence$5,000 maximum limit before earlier of a) 30 day per injury or illness or b) upon return to country of residence
Non-Emergency Medical Evacuation$25,000 maximum limitN/A (only offered under Evacuation Plus rider)
Hospital Indemnity$250 per night, 30 overnights maximum (Not subject to deductible)$250 per night, 5 overnights maximum (Not subject to deductible)
Local Ambulance ExpenseIMG pays 100%, up to $5,000 maximum limitIMG pays 100%
Inpatient/Outpatient Benefits Chargers For Maximum Limits per Period of Coverage, or if indicated, per lifetime
 
PlansSingle-TripMulti-Trip
Hospital Room & BoardAverage semi-private room rateAverage semi-private room rate
Intensive Care UnitUp to maximum limitUp to maximum limit
SurgeryUp to maximum limitUp to maximum limit
Physician VisitsUp to maximum limitUp to maximum limit
Diagnostic ProceduresUp to maximum limitUp to maximum limit
Home Nursing CareUp to maximum limitUp to maximum limit
Durable Medical EquipmentUp to maximum limitUp to maximum limit
Emergency RoomUp to maximum limit
Additional $250 deductible for illness that does not result in a direct hospital admission 		Up to maximum limit
Additional $250 deductible for illness that does not result in a direct hospital admission
Prescriptions Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary
 
PlansSingle-TripMulti-Trip
Prescription MedicationUp to maximum limitUp to maximum limit
Emergency Services NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary
 
PlansSingle-TripMulti-Trip
Emergency Medical Evacuation$250,000 maximum limit$250,000 maximum limit
Emergency Reunion$50,000 maximum limit$50,000 maximum limit
Return of Mortal Remains$50,000 maximum limit$50,000 maximum limit
Political Evacuation$50,000 maximum limit$50,000 maximum limit
Interfacility Transportation$2,500 maximum limit$2,500 maximum limit
Other Services NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary
 
PlansSingle-TripMulti-Trip
Terrorism$50,000 maximum limit$50,000 maximum limit
Natural Disaster$100 per day for five days
$5,000 maximum limit for evacuations		$100 per day for five days
$5,000 maximum limit for evacuations
Accidental Death and Dismemberment$25,000 principal sum$25,000 principal sum
Common Carrier Accidental Death$100,000 per adult
$200,000 maximum limit per family 		$100,000 per adult
$200,000 maximum limit per family
Trip Interruption$5,000 maximum limit$5,000 maximum limit
Identity Theft$500 maximum limit$500 maximum limit
Felonious Battery$10,000 maximum limit$10,000 maximum limit
Lost Luggage$50 maximum per item of personal property, $250 overall maximum$50 maximum per item of personal property, $250 overall maximum
Dental Treatment - for unexpected pain$100 limit$100 limit
Traumatic Dental Injury Up to the maximum limit Up to the maximum limit

Disclaimer

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.

 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.