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Whether it is legal liability or moral responsibility, individuals who coordinate
and arrange for groups to travel internationally create a great deal of liability
for their employer or sponsoring organization.
Assuming, or even requiring, that all travelers have
medical protection does not shield the group organizer from liability. Inadequate
coverage or the trip leader's inability to assist a traveler in contacting his/her
US carrier can lead to out-of-pocket expenses that the Ministry may be obligated
to cover.
For as little as $2 per day, everyone in your group
can be covered and, equally important, the trip leader knows who to call (IMG Coverage
Card) to coordinate any type of emergency need.
When you are away from home you want a plan that will:
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Provide 24 hour claims assistance,
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Accept collect calls from around the world,
- Process claims in virtually any language and currency.
You'll also want an insurer who can:
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Handle the logistical challenges of an Emergency Medical Evacuation,
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Arrange for Emergency Reunions (covered under the policy!),
- Wire payment to a foreign hospital, so you can be treated without
delay.
International health insurance medical coverage makes sense, even if you have great
coverage at home:
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Most US-based health plans are not set up to handle claims and emergency phone calls
from around the world. (Imagine contacting your carrier at 3:00a.m. from a foreign
country.)
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Coverage is often limited to 30 or 60 days outside the country.
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HMO and PPO plans may impose severe out-of-network penalties for treatment
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Medicare generally does not cover any claims incurred outside the United States.
- Most US health plans would not:
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Pay for or coordinate Emergency Evacuation,
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Pay for Repatriation of Mortal Remains in the case of a death,
- Provide simple travel coverage for lost / stolen bags.
Affordable coverage YOU can count on - anywhere in the world!
Our Administrators handle over 75,000 international claims per
year.
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