International Medical Group

Wander Frequent Traveler

  • Best Suitable for: Individuals and families
  • Eligibility: Child(ren) over fourteen (14) days and under nineteen (19) years of age while traveling outside of their home country
  • Coverage: The minimum period of coverage under Wander Frequent Traveler is 180 days
  • Wander Frequent Traveler offers pre-existing conditions coverage
Advantages ?
Disadvantages ?
  • RATING : A (excellent) by AM Best
  • UNDERWRITER : Lloyd’s London and Tramont Insurance Company Limited
  • ADMINISTRATOR : Seven Corners

Plans Highlights

POLICY MAXIMUM
  • $1,000,000 medical maximum per period of coverage
  • Insureds age 65 to 75 traveling inside the United States are limited to $50,000
  • Insureds age 70 to 75 traveling outside the United States are limited to $100,000
DEDUCTIBLE
  • $250 per person per covered trip
CO-INSURANCE
  • Inside the united states and canada
    • After you pay the deductible, the program pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum
  • Outside the united states and canada:
    • After you pay the deductible, the program pays 100% to the selected Medical Maximum
  • The selected Coinsurance amount must be met for each 364-day Policy Period
COVERAGE
  • Ambulance Service: $5,000
  • Hospital room & board:Usual, reasonable and customary to the selected Medical Maximum
  • Emergency medical evacuation or repatriation: $300,000 (in addition to the Medical Maximum)
  • Return of Mortal Remains: $50,000
  • Emergency Reunion :$50,000
  • Terrorism : Usual, reasonable and customary to $50,000 lifetime maximum
  • Political Evacuation and Repatriation :$50,000
  • Intensive Care : Usual, reasonable and customary to the selected medical maximum
  • Outpatient Medical Expenses : Usual, reasonable and customary to the selected medical maximum
  • Common Carrier Accidental death and dismemberment (AD & D): $100,000 per adult, $25,000 per child under age of 18; $250,000 Maximum per family

Pre-Existing Conditions Coverage

Waiver of pre-existing conditions
  • Up to $20,000 for U.S. citizens traveling outside the United States and Canada.
  • For foreign nationals visiting the United States, up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke, Max Benefit of $3,000.

Benefits Details

Benefits Coverage
Inpatient & outpatient medical expenses Usual, reasonable and customary to your medical maximum
Dental treatment - due to sudden relief of pain $250
Dental treatment - due to accident $500
Emergency medical evacuation & repatriation $1,000,000 (in addition to the Medical Maximum)
Emergency medical reunion $50,000
Return of minor children $50,000
Return of mortal remains $50,000
Political Evacuation & Repatriation $50,000
Terrorism Usual, reasonable and customary to $50,00
Hospital indemnity (outside the United States & Canada) $100/night for a maximum of 30 days per occurrence.
Local ambulance $5,000
Checked baggage loss $500 per occurrence
Trip interruption $5,000
Benefit period 90 days
Accidental Death and Dismemberment $25,000 for the primary insured or insured spouse,
$5,000 for dependent children; $250,000 maximum per family
Common Carrier Accidental Death $50,000 for insured or insured spouse,
$25,000 per child under 19 years; $250,000 maximum per family
Waiver of Pre-existing Condition $20,000 for U.S. citizens when traveling outside the United States and Canada.
This benefit is limited to $2,500 for age 65 and over.

Inpatient & outpatient medical expenses

Usual, reasonable and customary to your medical maximum

Dental treatment - due to sudden relief of pain

$250

Dental treatment - due to accident

$500

Emergency medical evacuation & repatriation

$1,000,000 (in addition to the Medical Maximum)

Emergency medical reunion

$50,000

Return of minor children

$50,000

Return of mortal remains

$50,000

Political Evacuation & Repatriation

$50,000

Terrorism

Usual, reasonable and customary to $50,00

Hospital indemnity (outside the United States & Canada)

$100/night for a maximum of 30 days per occurrence.

Local ambulance

$5,000

Checked baggage loss

$500 per occurrence

Trip interruption

$5,000

Benefit period

90 days

Accidental Death and Dismemberment

$25,000 for the primary insured or insured spouse,
$5,000 for dependent children; $250,000 maximum per family

Common Carrier Accidental Death

Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.

Terrorism

$50,000 for insured or insured spouse,
$25,000 per child under 19 years; $250,000 maximum per family

Waiver of Pre-existing Condition

$20,000 for U.S. citizens when traveling outside the United States and Canada.
This benefit is limited to $2,500 for age 65 and over.

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