Conditions of Coverage
- Coverage and benefits are subject to the excess and
co-insurance, and all terms of the plan and Policy Wording.
- Coverage under a GlobeHopper plan is secondary to any
other coverage.
- Coverage and benefits are for medically necessary, usual,
reasonable and customary charges only.
- Charges must be administered or ordered by a medical
practitioner.
- Charges must be incurred during the period of insurance or
the coverage extension period (if applicable).
- Claims must be presented to IMG for payment within ninety (90)
days from the date the claim was incurred.
Eligibility
The following conditions apply to all persons applying for and/or
enrolling in GlobeHopper Platinum Travel Medical Insurance.
- GlobeHopper Platinum is available to eligible persons of any nationality worldwide that are travelling outside their home country. If you have multiple residences or passports, then the country listed on the application form will be considered your home country.
- For USA citizens, the home country is both the United States and your primary residence or usual place of abode. USA citizens, in addition to the above;
- Must depart the USA on, or be located outside of the USA, as of the effective date (or date of extension, or Renewal Date);
- USA citizens requiring Worldwide coverage will have an annual limit of 60 total days of coverage in the USA;
- Only brief returns to the USA are covered under the Citizenship Return Coverage or the Incidental Home Trip Coverage, as applicable.
- For those under 65 years of age and visiting the USA, your initial period of insurance must begin within six months of arrival in the USA. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance. Prior USA domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the application form. If you are not in the USA at the time of application, please indicate your expected date of arrival on your application form.
- Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the USA Patient Protection and Affordable Care Act (PPACA).
Renewal of Coverage
If your GlobeHopper Platinum plan is purchased for a minimum of
one month, coverage may be renewed/extended (unless there is a
break in coverage) on a continuous basis for a total of up to three
years from the original effective date. Renewals are available in
whole month or daily increments and may be completed online.
For each renewal of less than one month completed online, you
will be charged an additional $5 / £5 / €5 processing fee. Each
insured person must only satisfy one excess and co-insurance
within each 12 month period of insurance. Please note: Renewal
rates may differ from initial rates.
It’s quick and easy to renew/extend eligible plans. Prior to the expiry
of your plan, we’ll send an email to the email address you provided
when you originally purchased your plan. Then, if you wish to
renew/extend your plan, simply click the hyperlink within the email
and follow the instructions before your plan expires.
14 Day Money Back 'No Hassle' Guarantee
Upon receiving your GlobeHopper
policy documents, please make sure
you read them carefully. If you think
your GlobeHopper plan may not
meet your needs, you may cancel it.
If you decide to cancel, simply submit
a written request to us to cancel
your policy. As long as you have not
already made a claim under the plan,
we will cancel it from inception and promptly give you a refund (as
below) - No Questions Asked:
- For plans cancelled within 14 days of application, and prior to
the effective date: You will receive a full refund;
- For plans cancelled after 14 days from the date of application,
but prior to the effective date: You will receive a full refund of
the premium paid less a $50/£30/€40 cancellation fee;
- For plans that are cancelled after the effective date, and
provided no claims have been paid or are in progress: i) For
plans with less than full one months period of insurance
remaining: there will be no refund payable; ii) For plans with
one or more full months periods of insurance remaining: You
will receive a full refund of each complete full months coverage
remaining, less a one off $50/£30/€40 cancellation fee.