FAQs

Short-term medical coverage has a low daily rate and travelers pay only for the number of days they are traveling. These plans can be purchased for up to 364 days at a time and is a secondary medical plan used to supplement your primary domestic medical coverage.  Short-term medical coverage is specifically designed for new illnesses or injuries that occur during your travels.

Long-term medical coverage is available for those who are living internationally for a minimum of twelve months and need a more comprehensive policy.  Long-term policies are typically primary policies that can include benefits for preventative care, dental and vision,  and maternity coverage. These plans are more robust with a monthly, quarterly, semi-annual, or annual premium. For more information on the application and underwriting process for a long-term medical plan, please use our Contact Us form.

Yes, we currently offer two plans through IMG. 

1. 1. The MP+ plan is a group long- term medical plan that is hosted by an organization with long-term international employees. The MP+ plan does include some maternity care.
   2. The Global Medical Insurance (GMI) plan is an individual insurance plan that has 4 different levels of coverage. The 4 levels to choose from are Bronze, Silver, Gold, and Platinum. The Platinum level is the only level that includes pregnancy and maternity coverage. 

Dental coverage can be added to the MP+ group plan.  This plan does not currently offer vision coverage. 

The GMI individual plan has the option to add dental and vision coverage during the application process for an additional premium.

MP+ group plan gives the sending organization the option to include or exclude coverage in the U.S..  Deductibles, out-of-pocket maximums, and in-network/out-of-network costs will vary by organization based on the application and initial policy-building process. 

The GMI plan has two options for each level, worldwide coverage or worldwide coverage excluding the USA, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Coverage in the U.S. will depend on which option is selected in the application and underwriting process.

To file a medical claim with your IMG travel medical plan you will need to:

• Gather all medical documentation and information related to your claim.

  Medical Claim - Documents Needed

• Create an account with your travel insurance carrier to file claims online
• For assistance, contact the MissionSafe claims team at service@missionsafe.com

To file a trip cancellation/interruption claim with your carrier, you will need to:

• Gather all documentation and information related to your trip. Please note these plans will refund non-refundable costs only. You will need to attempt to be refunded from each travel provider first, then file a claim for the eligible costs that were not refunded.

• Trip Cancellation/Interruption Claim – Documents Needed

• Trip Delay Claim – Documents Needed

• Baggage Delay/Loss Claim - Documents Needed

• Other Possible Cancellation Reasons – Documentation Needed

• Medical Claim - Documents Needed
  
  

Contact Us to request the correct claim form.

Most medical claims are considered "pay and claim" which means you will need to pay at the time medical care is received, then file a claim with the travel insurance carrier for reimbursement. In serious cases where emergency surgery, emergency evacuation, or extensive care is required, we will be happy to advise on alternative options.

If you filed a claim using an online account with your carrier, log in to track your claims progress. 

If you have additional questions related to your claim, or need assistance with next steps, Contact Us and one of our Claim Specialists will assist you.

If your claim was denied and you do not think it should have been, you can file an appeal with your travel insurance carrier. 

• In order to file an appeal, you will need to write an appeal letter including your name, member ID number, certificate number, the claim number you are appealing, and the reason you are appealing the claim. You will need to have written evidence to support your appeal. 

• For assistance with what documentary evidence you will need for your appeal,  Contact Us for assistance with your specific situation. 

Travel medical coverage is typically secondary medical coverage for new illnesses and injuries that arise during your travel dates. Coverage should begin the day you leave your home country and end the day you arrive back in your home country. 

Trip cancellation coverage goes into effect the day you purchase the coverage for your trip and starts protecting your investment from that moment. Should you need to cancel for one of the approved cancellation reasons, a claim can be submitted in order to receive reimbursement for all non-refundable prepaid costs associated with your trip. Trip cancellation coverage also includes various amounts of travel medical coverage. 

There are unique differences between the two types of plans. While some travelers prefer to purchase both, others choose to purchase one or the other.  Our service team can be reached at our Contact Us form to discuss your specific travel insurance needs.

There is a benefit called Cancel for Any Reason (CFAR) that can be added to some trip cancellation policies. This benefit must be purchased within 20 days of your initial trip deposit or the first payment for your trip (flights, hotel, etc.)

If you do not purchase the CFAR benefit, there is a list of accepted cancellation, interruption, and delay reasons for each plan that allows for claim reimbursement. 

The Cancel For Any Reason (CFAR) benefit is not currently available for any plan with Israel as a destination.

Trip cancellation insurance can reimburse all non-refundable costs within your insured trip cost. If you purchased Cancel For Any Reason (CFAR) and need to cancel outside of the approved cancellation reasons, you are only eligible to be reimbursed up to 75% of your non-refundable trip cost.

In order to file a claim for reimbursement for cancellations, interruptions, or delays the traveler must first attempt to get a refund from all travel providers (tour companies, airlines, hotels, excursion companies, etc.). Please note that credits for airlines, hotels, etc. are considered refunds and will not be reimbursable under most trip cancellation plans. 

Some of the most common covered reasons are included below. Specific covered reasons are determined by the plan you choose and subject to the discretion of the carrier.

• Sickness, Injury, or Death of you, a family member, or traveling companion
• Pregnancy Complications 
• Financial Insolvency or Default of Travel Supplier
• Traffic Accident en Route to Departure
• Common Carrier Mechanical Breakdown
• Natural Disaster Evacuation at Departure City or Destination 
• Strike 
• Inclement Weather 
• Primary Residence or Destination Accommodations Uninhabitable
• Hurricane Warning or Watch
• Hijack/Quarantine
• Subpoena/Court Order/Jury Duty/Witness
• Military Duty for Natural Disaster
• Military Leave Revoked or Reassigned 
• Host Unable to Provide Accommodations
• Terrorist Incident 
• Passport, Visa, or Travel Document Theft 
• Felonious Assault
• Involuntary Employment Transfer 
• Terminated or Laid Off from Employment

There is a 10-day free look period from the purchase date on all Trip Cancellation plans. Any policy cancellation for a premium refund would need to happen within that 10-day window. If you are outside of the 10-day window and cannot file a claim, some carriers will give travelers the option to move the dates of your trip cancellation coverage. This would allow you to plan a new trip to apply your coverage to.