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Underwriter: Sirius International Insurance Corporation
Rating: A (Excellent) by AM Best
Administrator: International Medical Group
Eligibility:
- US and Non US citizens traveling outside their home country
- International travellers requiring continuing coverage
- For visitors under age 65 and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For over age 65 it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided

Unique Features

Coverage up to maximum of $1 million
Renewable up to 2 years
No Coinsurance for claims outside US and Canada
Coinsurance in U.S. & Canada:
Within PPO: Plan pays 90% up to $5,000, then 100% up to the plan maximum
Outside PPO: Plan pays 80% up to $5,000, then 100% up to plan maximum
Covers sudden and unexpected recurrence of pre-existing conditions for travelers of any age group
Up to $50,000 lifetime Maximum for ≤65 years
Up to $2,500 for age 65+ years
Covers basic non-contact sports up to maximum limit
Offers discounts on purchase of prescription drugs

Advantages

Optional coverage for Adventure Sports and medical evacuation
Availability of $0 deductible
Full refund of premium if cancelled before policy start date
No renewal fee if purchased for at least one month and renewed for at least one month
$100 coverage for sudden dental pain

Disadvantages

Plan must be bought within 30 days of arrival in US if the traveler is above 65 years
Plan is not available to persons with MD home address or billing address

Coverage Example:
Policy maximum of the plan: $100,000
Deductible: $100
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $100
Second incident is a motor accident and the injured is hospitalized and is undergoing surgery for which the expense is $75,000

The following table shows the amount paid by the plan and the customer:

Expense	Bill Amount	Customer pays	Plan Pays
First Visit to the Doctor due to Sudden Dental Pain	$100	$100 (Since the deductible is $100)	0
Accidental hospitalization
Hospital Room and Board	$40,000	$500 (10% of first $5000 coinsurance)	$4,500 (coinsurance: 90% of first $5,000) + $35,000
Other expense	$35,000	$0	$35,000
Total:	$75,100	$600	$74,500

The usage of deductible and coinsurance:

First time you visit the doctor with sudden dental pain the bill amounts to $100 for a filling
You will have to pay the full $100 as the chosen deductible is $100
A few months later, you meet with a motor accident and get hospitalized to undergo a surgery for $75,000
Now the plan will pay 90% of the first $5,000. ie. Company will pay $4,500 and you will pay $500
The plan will then pay the remaining eligible expenses