Outreach Travel Medical Insurance

Outreach Travel Health Insurance is designed for missionaries seeking an affordable short-term visitor health insurance for the USA, or travel medical insurance while traveling outside America for mission work in any foreign country.

• Eligibility: Missionaries to the USA or international missionaries outside their home country.
• Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$1,000,000 for the life of the plan. For travelers ages 70 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
• Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, or US$2500 deductible per certificate/renewal period.
• Coinsurance: Applies for treatment within the USA only. For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
• Policy Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 2 year (24 months).
• Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
• Pre-Existing Conditions: For treatment in the USA visitors, coverage for acute onset of pre-existing condition is NOT available with this plan. Please refer to the “Certificate of Insurance” document for plan exclusions of what is not covered.
• Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation (SSIC), rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
• Administrator: Plan is administered by International Medical Group (IMG).

Review the plan brochure for coverage information including the summary of benefits table.

• Plan Brochure: Review the Outreach Travel Medical Plan Brochure for plan information.

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

• Certificate of Insurance: Review all the policy details available in the Outreach Travel Medical Insurance Certificate which is the detailed sample document of the master policy.
• Claims Form: Download the Outreach Travel Medical Claims form on the IMG Client Resources page.

IMG Outreach Travel Medical Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

• Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Quote/Buy instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Outreach Travel Medical coverage online.
• Application Form: Complete, mail/fax the Outreach Travel Medical Paper Application along with payment

IMG Outreach Travel Medical Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the Outreach Travel Medical plan coverage dates using Outreach Travel Medical Plan Renew Online.

Outreach Travel Medical plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Dashboard: Access the Outreach Travel Medical Plan on the IMG Client Resources dashboard for existing policyholders.
• Claim Form: Download and submit the Outreach Travel Medical Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.