GlobeHopper Senior

Temporary health insurance for travelers age 65+

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Summary of Benefits

Limit/Other Limit/Amount for Eligible Medical Expenses
 
Period of CoverageMinimum 5 days, up to a maximum of 365 days
Area of CoverageOutside 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
Age: 80+ 		$100,000
Deductible$0*, $100, $250, $500, $1,000, or $2,500
* 0 Deductible only available with $50,000 and $100,000 maximum limit
Coinsurance No coinsurance
Sudden & Unexpected Reoccurrence of Pre-existing ConditionEligible medical expenses: Single Trip: $2,500 maximum limit. Multi-Trip: $5,000 maximum limit.
Emergency medical evacuation: $25,000 maximum limit.
Inpatient/Outpatient Benefits Chargers For Maximum Limits per Period of Coverage, or if indicated, per lifetime
 
Hospital Room & BoardAverage semi-private room rate
Intensive Care UnitUp to maximum limit
SurgeryUp to maximum limit
Physician VisitsUp to maximum limit
Radiology/X-RayUp to maximum limit
Prescription MedicationUp to maximum limit
(Dispensing limit per prescription: 90 days)
Home Nursing CareUp to maximum limit
Durable Medical EquipmentUp to maximum limit
Continuation of Treatment PeriodSingle-Trip: Earlier of six months per injury or illness or upon return to country of residence
Multi-Trip: $5,000 maximum limit before earlier of a) 30 day per injury or illness or b) upon return to country of residence
Evacuation Benefits (Must be approved in advance and coordinated by the company. Not subject to the deductible) Limits per Period of Coverage unless stated as Maximum Limit
 
Emergency Medical Evacuation$250,000 maximum limit
Emergency Reunion$50,000 maximum limit
Non-Emergency Medical Evacuation$25,000 maximum limit
Return of Mortal Remains$50,000 maximum limit
Local Burial/Cremation$5,000 maximum limit
Political Evacuation$50,000 maximum limit
Interfacility Transportation$2,500 maximum limit
Natural Disaster$100 per day for five days, $5,000 maximum limit for evacuations
Additional Benefits Limits per Period of Coverage unless stated as Maximum Limit
 
Terrorism$50,000 maximum limit. Not subject to the deductible
Accidental Death and Dismemberment$25,000 principal sum. Not subject to deductible
Common Carrier Accidental Death$100,000 per adult/ $200,000 maximum limit per family
Trip Interruption$5,000 maximum limit
Lost Luggage$50 per item, $250 maximum limit. Not subject to deductible
Hospital Indemnity$250 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
Identity Theft$500 maximum limit. Not subject to deductible
Felonious Battery$10,000 maximum limit. Not subject to deductible
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		$5,000 maximum limit
Hospital Emergency RoomInjury not subject to emergency room deductible. Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Traumatic Dental Injury
(Treatment at a hospital due to an accident) 		Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance
Dental Treatment$100 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance

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