Editor Review
The Good: Pre-existing medical condition coverage begins after 12 months of coverage.
The Drawbacks: Pre-existing medical condition coverage begins after 12 months of coverage.
The Bottom Line: This is comprehensive, major medical coverage for students and their dependents traveling abroad. This plan meets the student visa requirements and can be annually renewable.
Coverage
| Benefits | Maximum |
| Medical expenses | $500,000 ($100 deductible) |
| Emergency dental | $350 |
| Emergency evacuations | $500,000 |
| Repatriation | $50,000 |
| 24/7 assistance services | Yes |
* Maximums listed for insured only – dependents covered at reduced limits.
Plan Details
This plan is unique in that it provides the following:
- Per injury or illness limits up to $300,000 (lifetime maximum $500,000).
- Plan includes injuries and illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports.
- Maternity care is treated the same as any illness (conception must occur after the effective date of coverage) and routine care of newborns is also covered up to the plan maximum.
- Political evacuations covered up to $10,000 (lifetime maximum).
- 24-hour AD&D ($25,000) in base plan (reduced benefits for spouse and dependents).
- Coverage up to 12 months that can be renewed up to five years.
- Universal prescription discount program for reduced cost prescriptions.
- Coverage for illness and injuries due to acts of terrorism.
- Incidental home country trips up to a cumulative two weeks.
- Mental health disorders including alcohol and drug abuse covered as out-patient treatment (not the Student Health Center) up to $50 per day to the lifetime maximum.
- Register for IMG’s online support service, MyIMGSM, for access to providers, explanation of benefits, status of claims, ID cards, certificate documents, and more.
Limitations
The following are the limitations on this plan’s coverage:
- Medical deductibles apply ($100 per illness or injury, reduced by half if treated in Student Health Center).
- Coinsurance applies if charges are incurred within the U.S. outside the PPO network.
- No flight accident AD&D in base plan.
- No medical coverage for locations where the U.S. government has issued a travel advisory within the six months prior to arrival.
- Coverage for pre-existing conditions begins only after 12 months of coverage.