Group Travel Insurance - Discounted Rates

International Provider Group Insurance
(For GROUPS of 5 or More People)

Get a Quote & Apply Online / Review Brochure / Print Application

The International Provider group travel plan is underwritten by Certain Underwriters at Lloyd’s, London. As the largest insurance entity in the world, Lloyd’s has earned a Standard & Poor’s rating of A+ (Strong) and an A (Excellent) rating from AM Best.

Insurance Services of America (ISA) is your full-service agency. As an independent nationwide leader in the international health and travel insurance industry with over 41 years of experience, ISA is equipped to guide you through selection of the best benefit package for your needs. Please feel free to contact us with any questions or if we can be of personal service. Your telephone call will always be answered by a live person who will assist you.

Insurance Services of America
1757 E. Baseline Road, Suite 126
Gilbert, AZ 85233

(480) 821-9052 / 1-800-647-4589 (Toll Free within the USA and Canada)
(480) 821-9297 FAX / (866) 793-4779 (Toll Free FAX)
Email: health@worldwidemedical.com

Description of Benefits

This plan pays for covered expenses up to the selected medical maximum after you pay your deductible and coinsurance percentage. Benefits are noted below for which the deductible and coinsurance apply. Expenses related to pre-existing conditions are not covered except as stated under the Unexpected Recurrence of a Pre-Existing Condition benefit.

Hospital Indemnity: You receive payment if hospitalized due to a covered illness or injury while traveling outside the United States and Canada. This is in addition to other covered expenses.

Dental Accident Coverage: You receive emergency treatment to repair or replace sound natural teeth if damaged as the result of a covered accident (coinsurance and deductible apply).

Dental Sudden Relief of Pain: You receive emergency treatment for the relief of pain to natural teeth (coinsurance and deductible apply).

Emergency Medical Evacuation/Repatriation: This benefit pays if any covered injury or illness results in your medically necessary emergency medical evacuation or repatriation.

Return of Mortal Remains: This benefit pays to return your remains to your then home country if you die.

Return of Minor Children: If you are traveling alone with a minor child(ren) and are hospitalized due to a covered illness/injury, leaving the minor child(ren) unattended, we will arrange and pay for a one-way economy fare to the home country for the child(ren) with an attendant if necessary.

Emergency Medical Reunion: When an emergency medical evacuation/repatriation occurs, and the attending physician recommends a family member accompany you, we will arrange and pay for the cost of a roundtrip economy transportation and reasonable accommodation expenses for an individual of your choice to be at your side. (Benefit limit of $200 per day and time limit of 10 days applies)

Political Evacuation: If political or military events in a host country result in a formal recommendation for you to leave or if you are expelled or declared persona non-grata by the host country, reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to your home country or country of residence are covered. This benefit will not pay should you not heed travel warnings or travel alerts issued by the State Department or appropriate authorities recommending travel to certain countries be avoided.

Accidental Death & Dismemberment: Benefits are paid according to the schedule below if you sustain an accidental injury and if the resulting death/dismemberment occurs within 365 days of the accident date. (If more than one loss occurs as the result of one accident, only the largest amount is payable). See the Policy for Schedule of AD&D benefits.

Baggage Loss: We will reimburse you for lost baggage/personal effects ($50 per article limit) checked with a common carrier (secondary to coverage provided by the common carrier).

Interruption of Trip: If unable to continue your trip due to the death of an immediate family member or due to serious damage to your principal residence from fire, flood or similar natural disaster, we will reimburse you for the cost of economy travel (less the value of applied credit from an unused return travel ticket) to return you to your area of principal residence.

Home Country Coverage (Incidental Trips to the Home Country): You are covered for incidental trips to your home country based on 30 days per 6 months of purchased coverage or pro rata thereof (example - approximately 5 days per month). This benefit is not available for purchases less than 30 days and does not apply to final trip home.

Home Country Extension of Benefits (Follow Me Home Coverage): You are covered for expenses incurred in your home country due to an injury/illness which occurred and was diagnosed and treated outside your home country during your coverage period (does not apply to emergency evacuation/repatriation).

Unexpected Recurrence of a Pre-Existing Condition: This benefit provides coverage for expenses resulting from a sudden, unexpected recurrence of a pre-existing condition. If you are younger than age 65, coverage is provided up to $20,000. If you are 65 years or older, coverage is provided up to the first $2,500 (coinsurance and deductible apply).

Terrorism: You receive coverage for injuries and illnesses resulting from an act of terrorism.

Optional Benefits

Hazardous Sports Coverage: This optional coverage provides benefits for the following activities provided the coverage is selected and appropriate premium is paid.

motorcycle/motorscooter riding (whether as a passenger or a driver),
hang gliding
parachuting
bungee jumping
water skiing
snow skiing
snowmobiling
snowboarding
spelunking

This is a brief description of the plan benefit. The policy shall provide the only basis for coverage and claim. Please be aware that this is not a general health insurance policy, but an interim, limited benefit period, travel medical plan intended for use while away from your Home Country. The plan cannot guarantee payment to an individual or a facility for medical expenses until it has been determined that it is an eligible expense and a signed agreement has been received from the appropriate medical facility. View the policy

Claims

Our streamlined claims process is easy to use. When you receive medical treatment, simply submit your itemized bill to Seven Corners within 90 days. Eligible bills are automatically converted from local currencies to U.S. dollars.

Pre-Notification / Referral

Seven Corners Assist must be contacted prior to: (1) any medical treatment being received in the the United States; or (2) hospital admissions worldwide; or (3) inpatient or outpatient surgeries worldwide. Additionally, the Company’s appointed network provider must be utilized for medical expenses incurred inside the United States (when available – contact Seven Corners Assist with questions). A listing of network facilities can be found at http://www.sevencorners.com/networkproviders/insuredproducts/ on the worldwide web. Pre-notification does not guarantee that benefits will be paid. Failure to follow Pre-Notification / Referral will result in a 20% reduction of Eligible Benefits. (For Emergency admissions and situations, Seven Corners Assist must be contacted within 48 hours, or as soon as reasonably possible.)

Pre-Existing Conditions

For Medical Expense Benefits covered under this policy, this insurance does not cover:

Any Injury or Illness which meets the following criteria a) condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advise, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; If the Injury or Illness is an Unexpected Recurrence and the Insured Person is traveling outside the United States, the program will reimburse up to $1000 for treatment of that particular condition. An Unexpected Recurrence is a sudden and unexpected outbreak or recurrence of a condition defined in a & b above. The condition must occur spontaneously and without advanced warning, for example: prior symptoms, Physician visit, failing to take medication. For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

Exclusions

See the specimen policy for a list of exclusions.

Establishing coverage with us

To establish your selected coverage, please return the Enrollment Form and Census Form to Insurance Services of America at the contact information shown above. Please note that premium must be received prior to departure on your international trip.

Enrolling members

Upon enrollment, you will receive a Program Summary providing detailed evidence of coverage and an ID card for each enrolled member. We offer two methods to enroll insureds.

Online Enrollment. We offer an Online Group Enrollment System which allows the group representative to enroll participants 24 hours a day. Once you complete the necessary screens, an email confirmation containing each insured’s Virtual ID card and a link to the Program Summary will be provided via email. Apply Online Now for instant enrollment.

Off-Line Enrollment. To utilize this method, simply e-mail, fax, or mail Insurance Services of America the group census and include the following: name of insured, effective date, expiration date, age or date of birth, premium amount. Print a brochure and application

Understanding your eligibility

You are considered an eligible person under this plan if you are a participant, employee, or member of the assured group, while traveling outside of your home country, provided your name and travel dates have been submitted on the group application and accepted by Seven Corners along with payment of premium. (Home Country is defined as the country where you have your true, fixed, and permanent home and principal establishment). Your coverage shall apply worldwide excluding or including the United States depending on the coverage option you have selected.

It is your responsibility as the insured to maintain all records regarding travel history and age and provide any documents which would verify eligibility requirements.

International Provider Group