Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups

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Summary of Benefits

Emergency Hospital Admission Direct Transfer From Emergency Medical Evacuation (Group Plans Only)
 
Emergency Admission upon direct transfer via a Company approved Emergency Medical Evacuation where the underlying medical condition is not provided for under this Insurance.
Maximum limit: $20,000
The maximum limit is not in addition to the Sudden and Unexpected Recurrence of a Pre-existing Maximum limit.
Plan Information
 
Maximum Limits Individual: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Group: $100,000, $250,000, $1,000,000
Individual Deductible

Individual: $0, $100, $250, $500, $1,000 or $2,500
Group: $0, $100, $250

On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.

Coinsurance

For treatment received outside the U.S. & Canada: No coinsurance

For treatment received within the U.S. & Canada:

In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit

Benefit Period

Three months

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the three-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limits and the other terms of the plan until there have been three months of continuous coverage for the covered injury or illness.

Inpatient or Outpatient Services
 
Eligible Medical ExpensesUp to the maximum limit
COVID-19 / SARS-CoV-2 CoverageCOVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Physician Visits / ServicesUp to the maximum limit
Hospital Emergency Room: Inside the U.S.Up to the maximum limit
Injury: not subject to additional deductible
Illness: additional $250 deductible if not admitted
Hospital Emergency Room: Outside the U.S.Up to the Maximum Limit
Hospitalization / Room & BoardAverage semi-private room rate up to the maximum limit. Includes nursing service
Intensive CareUp to the maximum limit
Outpatient Surgical / Hospital FacilityUUp to the maximum limit
Laboratory UpUp to the maximum limit
Radiology / X-rayUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
SurgeryUp to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan 		Up to the maximum limit
Assistant Surgeon20% of the primary surgeons eligible fee
AnesthesiaUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Chiropractic Care
Medical order or treatment plan required 		Up to the maximum limit
Physical Therapy Treatment
Medical order or treatment plan required 		Up to the maximum limit
Extended Care Facility
Upon direct transfer from an acute facility 		Up to the maximum limit
Home Nursing Care
Upon direct transfer from an acute facility Provided by a home health care agency 		Up to the maximum limit
Prescription Drugs and Medications
 
Prescription Drugs and Medications
Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits

Dispensing maximum for Retail Pharmacy: 90 days per prescription Dispensing limit per perscription: 90 days 		 
Emergency Services
Not subject to deductible and coinsurance unless otherwise noted.
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company 		$500,000 maximum limit
Emergency Reunion
Must be approved in advance by the company 		Up to $50,000 lifetime maximum
Political Evacuation & Repatriation
Must be approved in advance by the company 		Up to $10,000
Return of Minor Children
Must be approved in advance by the company 		Up to $50,000
Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company 		Up to $50,000 for return of mortal remains or $5,000 for cremation/burial
Other Services
 
Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident 		$25,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death$50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible.
Dental Treatment - Accident$100 Limit
Treatment due to an Accidental Injury and obtained at a Dental Provider’s office
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%.
Hospital Indemnity$100 per overnight inpatient hospitaization, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft AssistanceUp to $500. Not subject to deductible
Lost LuggageLimit $250, $50 maximum per item
Natural Disaster$100 per day and maximum limit of 5 days for accommodations. Not subject to deductible.
Terrorism $$50,000 maximum limit. Not subject to deductible.
Trip InterruptionUp to $5,000. Not subject to deductible

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age Maximum Limit
Through age 49 $50,000
50-59 $30,000
60-64 $15,000

Chaperone/Faculty Leader Replacement Rider

(Groups only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.

Enhanced AD&D Rider

(Individuals only)

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.

Evacuation Plus Rider

(Individuals only)

This optional rider is available to insureds up to age 65.  It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

 

 

Non Life-threatening Medical Evacuation Up to a maximum of $25,000
Natural Disaster Evacuation Up to a maximum of $5,000

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.