Europe Travel Insurance | FAQ

Who underwrites the Europe Travel Insurance plan?

Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers and underwrites the plan. Rated A (excellent) by A.M. Best and A- by Standard & Poor's*, Sirius International is a White Mountains Re company.

Am I eligible for coverage?

The following conditions apply to all persons applying for and/or enrolling in GlobeHopper Travel Medical Insurance.

• GlobeHopper 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).

Can I renew my insurance plan?

If your 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 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.

Can I cancel my insurance plan?

Upon receiving your policy documents, please make sure you read them carefully. If you think your 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.

When can my plan begin?

You can start coverage from today's date onwards.

Will I get my documents immediately?

Yes, when you apply online through our website with your credit card, you will receive your documents to your email address immediately.

What providers can I go to?

You may seek treatment with the hospital or doctor of your choice within your area of cover. When seeking treatment in the USA, you can reduce your out-of-pocket costs by using the independent Preferred Provider Organisation (PPO), a separately organised network of hundreds of thousands of established, highly qualified health care medical practitioners and many well-recognised hospitals in the USA. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the USA, there is the online International Provider Access (IPA), a database of over 17,000 providers.

Will I have online account access to my insurance plan?

Yes. All customers will obtain access to MyIMG allowing you to access information and manage accounts, 24 hours a day, seven days a week, from anywhere in the world. Our service centers in the USA and Europe are always available to help or handle emergencies 24 hours a day, but through MyIMG you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:

• Get explanation of benefits
• Initiate Pre-Certification
• Locate a provider
• Obtain certificate documents
• Request ID cards
• Recommend provider/facility