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
- Coverage and benefits are for medically necessary, usual,
reasonable and customary charges only.
- Charges must be administered or ordered by a medical
- 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.
The following conditions apply to all persons applying for and/or
enrolling in GlobeHopper International Private Medical Insurance.
Bermuda: We will provide cover for an Insured Person whose Country of Habitual Residence is outside of Bermuda, the United Kingdom, Gibraltar and a member state of the European Union.
If you purchased Area 3 Worldwide as your Area of Cover, we will only provide cover in your Country of Habitual Residence as provided in the section regarding an Incidental Return Trip.
UK: We will provide cover for an Insured Person whose Country of Habitual Residence is the United Kingdom or Gibraltar.
EEA: We will provide cover for an Insured Person whose Country of Habitual Residence is a member state of the European Union.
- US: If you are a citizen of the USA, who has purchased Area 3 Worldwide as your Area of Cover, and you return to the USA, cover under your Policy will be terminated automatically when the time you spend in the USA during any one Period of Insurance exceeds 180 days, or you become eligible for any other USA domestic medical insurance which is available to persons similarly situated and located within the USA.
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).
*Please Note: If you no longer meet the eligibility requirements set forth in this section, then your Policy will automatically terminate.
Renewal of Coverage
GlobeHopper coverage may be renewed/extended (unless there is a break
in coverage) on a continuous basis for a total of up to two 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.