Long-Term Medical Coverage

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.

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. 

We currently offer two plans through IMG. 

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.

We currently offer two plans through IMG. 

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.