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Global Crew Medical Insurance

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Global Crew Medical insurance reviews

Insurance Provider
International Medical Group
Global Crew Medical Insurance Rating
AM Best Rating: "A" (Excellent)
Policy maximum

Bronze Plan: $1,000,000
Silver and Gold Plans: $5,000,000
Platinum Plan: $8,000,000 per individual.

Deductible options

Bronze & Silver:$250 to $10K
Gold: $250 to $25K
Platinum:$100 to $25K

Plan life
Life time
Coinsurance
International:100%
U.S in-network:100%
U.S out-of-network:80%
Global Crew Medical insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Global Crew Medical Links

  • Brochure
  • Benefits
  • Application
  • Claims
  • Renewal
  • Provider network

IMG Global Crew Medical insurance summary


Eligibility to buy Patriot America Lite health insurance
  • Global Crew Medical Insurance is available to individuals of all nationalities.
  • U.S. citizens must plan to be residing outside the U.S. on or before their effective renewal dates, and for at least six (6) out of the next 12 months.
  • Additional eligibility restrictions apply to non-U.S. citizens residing in the United States.
  • Persons from the ages of 19 years to 74 years may apply for coverage, up until the age of 75.
  • Global Crew Medical Insurance is offered to the persons less than 75 years of age.

IMG Global Crew Medical Insurance - Frequently asked questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Yes Global Crew Medical Insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot America insurance within a 6 month time period after arriving in the US.

International Medical Group (IMG) offers the Global Crew Medical Insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

Global Crew Medical Insurance Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

YYes Global Crew Medical insurance is available up to a maximum of 364 days. Visitors to USA can renew Global Crew Medical insurance online to extend their coverage.

Why Global Crew Medical Insurance?

  • Plan Flexibility - Multiple plan options and payment modes to fit your budget.
  • Choice of Coverage Area - Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Freedom to Choose - Select your own health care provider, no matter where you are in the world.
  • Travel Intelligencen - Receive location-specific alerts on health, transportation, security and weather.
  • Assistance Services - Available on all plans.
  • Preventative Care - No waiting period on wellness benefits.
  • Healthy Travel Preventative Coverage - Receive vaccinations and preventative prescriptions prior to departure.
  • Pre-Existing Condition Waiver - For individuals with proof of comprehensive health insurance and no significant break in coverage (63 days).

Plan benefits of Global Crew Medical insurance

Plan benefits
Lifetime Maximum Limit BRONZE: $1 million/individual
SILVER: $5 million/individual
GOLD: $5 million/individual
PLATINUM: $8 million/individual
Deductible (Per Period of Coverage) BRONZE: $250 to $10,000
SILVER: $250 to $10,000
GOLD: $250 to $25,000
PLATINUM: $100 to $25,000
Optional Coverage at additional cost BRONZE: Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision
SILVER: Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision
GOLD: Global Term Life Insurance including Accidental Death & Dismemberment; Adventure Sports Rider; Dental and Vision
PLATINUM: Global Term Life Insurance including Accidental Death & Dismemberment; Terrorism; Adventure Sports Rider
Mental/Nervous BRONZE: No Coverage
SILVER: Outpatient after 12 months of continuous coverage
GOLD: $10,000 maximum. Avaliable after 12 months of continuous coverage
PLATINUM: $50,000 lifetime maximum. Avaliable after 12 months of continuous coverage
Hospital Emergency Room Injury BRONZE: Subject to deductible and coinsurance
SILVER: Subject to deductible and coinsurance
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Hospital Emergency Room Illness BRONZE: Covered only if admitted as inpatient
SILVER: Additional $250 deductible if not admitted as an inpatient
GOLD: Additional $250 deductible if not admitted as an inpatien
PLATINUM: Additional $250 deductible if not admitted as an inpatien
Hospital Room & Board BRONZE: Subject to deductible and coinsurance for average semi-private room rate
SILVER: Subject to deductible and coinsurance for average semi-private room rate.All subject to $600 per day /240 day maximum
GOLD: Subject to deductible and coinsurance for average semi-private room rate
PLATINUM: Subject to deductible and coinsurance for average private room rate
Intensive care unit BRONZE: Subject to deductible and coinsurance
SILVER: $1,500 limit per day - 180 days of coverage per event
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy BRONZE: Subject to deductible and coinsurance
$600 maximum limit per examination
SILVER: Subject to deductible and coinsurance
$600 maximum limit per examination
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Surgeon BRONZE: Subject to deductible and coinsurance
SILVER: Subject to deductible and coinsurance
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Assistant Surgeon BRONZE: 20% of primary surgeon’s charge
SILVER: 20% of primary surgeon’s charge
GOLD: 20% of primary surgeon’s chargel
PLATINUM: 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy BRONZE: Subject to deductible and coinsurance
SILVER: Subject to deductible and coinsurance
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Maternity BRONZE: No Coverage
SILVER: No Coverage
GOLD: No Coverage
PLATINUM: $2,500 additional deductible per pregnancy.
$50,000 lifetime maximum.
$200 newborn preventative care benefit for the first 31 days -12 months after birth.
$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth.
Podiatry Care BRONZE: No Coverage
SILVER: No Coverage
GOLD: $750 per period of coverage
PLATINUM: $750 per period of coverage
Physical therapy BRONZE: $40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery
SILVER: $40 maximum per visit - 30 visit limit
GOLD: $50 maximum per visit
PLATINUM: $50 maximum per visit
Transplants BRONZE: $250,000 lifetime maximum
SILVER: $250,000 lifetime maximum
GOLD: $1,000,000 lifetime maximum
PLATINUM: $2,000,000 lifetime maximum
Prescription Coverage BRONZE: Available for 90 days following related inpatient treatment or outpatient surgery.
$600 maximum limit per event(includes dressings and durable medical equipment)
SILVER: 90-day supply per prescription following related covered event.U.S.
Retail Pharmacy out-of-network: 80%
International Retail Phamacy: 100%
GOLD: 90-day supply per prescription.U.S. Retail Pharmacy out-of-network: 80%
International Retail Phamacy: 100%
PLATINUM: U.S. Retail Pharmacy: prescription drug card required.Co-pay per 30-day supply: $20 for generic / $40 for brand name where generic is not available.International Retail Pharmacy(subject to deductible): 100%
Expatriate Prescription Services BRONZE: No Coverage
SILVER: No Coverage
GOLD: No Coverage
PLATINUM: Co-pay per 30-day supply: $20 for generic / $40 for non-preferred brand name.
Must enroll via provider website: www.expatps.comDispensing maximum: 180 days
Orphan or Biologic Drugs BRONZE: Inpatient Treatment maximum limit: $250,000.
Outpatient Surgery: up to the maximum limit.
Subject to deductible and coinsuranceDoes not apply to maximum limit per event
SILVER: Inpatient & Outpatient Treatmentmaximum limit: $250,000
GOLD: Inpatient & Outpatient Treatmentmaximum limit: $250,000
PLATINUM: Maximum limit $250,000.U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.
International retail pharmacy: Subject to deductible and coinsurance.
Inpatient/outpatient medical treatment: Subject to deductible and coinsurance
Healthy Travel Preventative Coverage BRONZE: $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
SILVER: $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
GOLD: $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
PLATINUM: $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision BRONZE: Optional Rider
SILVER: Optional Rider
GOLD: Optional Rider
PLATINUM: $100 maximum per 24 months for exams. $150 per 24 months for materials
Local Ambulance (U.S. only) BRONZE: $1,500 maximum limit per event
SILVER: $1,500 maximum limit per event
GOLD: Subject to deductible and coinsurance.
PLATINUM: Not subject to deductible or coinsurance
Emergency evacuation BRONZE: Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance.
SILVER: Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance.
GOLD: Up to lifetime maximum limit. Not subject to deductible or coinsurance.
PLATINUM: Up to maximum limit. Not subject to deductible or coinsurance.
Emergency reunion BRONZE: $10,000 lifetime maximum
SILVER: No Coverage
GOLD: $10,000 lifetime maximum
PLATINUM: $10,000 lifetime maximum
Interfacility Ambulance Transfer BRONZE: $1,500 maximum limit per event. Not subject to deductible or coinsurance.U.S. only
SILVER: $1,500 maximum limit per event. Not subject to deductible or coinsurance.U.S. only
GOLD: Subject to deductible and coinsurance.U.S. only
PLATINUM: Not subject to deductible and coinsurance.U.S. only
Political Evacuation and Repatriation BRONZE: No Coverage
SILVER: No Coverage
GOLD: No Coverage
PLATINUM: $10,000 lifetime maximum
Remote Transportation BRONZE: No Coverage
SILVER: No Coverage
GOLD: No Coverage
PLATINUM: $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains (not subject to deductible or coinsurance) BRONZE: $10,000 lifetime maximum
SILVER: $25,000 lifetime maximum
GOLD: $25,000 lifetime maximum
PLATINUM: $50,000 lifetime maximum
Complementary Medicine BRONZE: No Coverage
SILVER: No Coverage
GOLD: $500 maximum limit per period of coverage
PLATINUM: $500 maximum limit per period of coverage
Traumatic Dental Injury BRONZE: $1,000 per period of coverage
SILVER: $1,000 per period of coverage
GOLD: Up to lifetime maximum limit
PLATINUM: Up to lifetime maximum limit
Adult Preventative Care(Age 19 or older) BRONZE: No Coverage
SILVER: No Coverage
GOLD: $250 per period of coverage
PLATINUM: $500 per period of coverage
Treatment Due to Unexpected Pain to Sound, Natural Teeth BRONZE: No Coverage
SILVER: No Coverage
GOLD: $100 per period of coverage
PLATINUM: $100
Non Emergency Dental due to Accident BRONZE: No Coverage
SILVER: No Coverage
GOLD: $500 per period of coverage
PLATINUM: $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Non Emergency Dental BRONZE: Optional Rider
SILVER: Optional Rider
GOLD: Optional Rider
PLATINUM: $750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services.
Supplemental Accident BRONZE: No Coverage
SILVER: No Coverage
GOLD: $300 of eligible medical expenses following an accident . Not subject to deductible or coinsurance
PLATINUM: $500 maximum limit per accident. Not subject to deductible and coinsurance
Amateur Sailboat Racing BRONZE: Subject to deductible and coinsurance
SILVER: Subject to deductible and coinsurance
GOLD: Subject to deductible and coinsurance
PLATINUM: Subject to deductible and coinsurance
Crew Member Return BRONZE: $2,500 maximum limit.Not subject to deductible or coinsurance
SILVER: $2,500 maximum limit.Not subject to deductible or coinsurance
GOLD: $2,500 maximum limit.Not subject to deductible or coinsurance
PLATINUM: $2,500 maximum limit.Not subject to deductible or coinsurance
Child Preventative Care(Through age 18) BRONZE: No Coverage
SILVER: $70 maximum per visit, 3 visit per period of coverage
GOLD: $200 maximum per period of coverage
PLATINUM: $400 maximum per period of coverage
Pre-Existing Conditions Limitation BRONZE: Excluded
SILVER: $50,000 lifetime maximum; $5,000 per period of coverage after 24 months
GOLD: $50,000 lifetime maximum; $5,000 per period of coverage after 24 months
PLATINUM: Covered if disclosed and not excluded by rider

Global Crew Medical Insurance Restrictions

Global Crew Medical Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Global Crew Medical insurance links

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Global Crew Medical Insurance Claims


CLAIMS EMAIL

Email: insurance@imglobal.com
Fax: 317-655-4505


CLAIMS PHONE

1.800.628.4664


MAIL TO

International Medical Group
P.O.Box 88500 Indianapolis,
IN 46208-0500

IMG travel insurance resourceful links