OUTREACH INTERNATIONAL AND PATRIOT INTERNATIONAL FAQ

Trip Interruption

The following is a description of the Trip Interruption benefit found in the Outreach certificate. Based on this wording, IMG would consider the expenses for a return trip home even though the insured may have not purchased a return ticket, but would not cover a re-return trip back to the country that the insured is currently in.

P. TRIP INTERRUPTION - Subject to the limits set forth in the Schedule of Benefits/Limits, in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of the substantial destruction of an Insured Person’s principal residence in his/her Home Country, the Company will reimburse the Insured Person up to US $5,000 for the costs of a one-way air or ground transportation ticket of the same class as the unused travel ticket to return an Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to: (i) the location of the funeral or place of burial in the case of the Unexpected death of a Relative, or (ii) the Insured Person’s principal residence in the case of substantial destruction thereof; subject to the following conditions and limitations:

1. The Insured Person must be outside of his/her Home Country at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence; and
2. he Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage; and
3. The Company will deduct from the Trip Interruption benefits payable hereunder the value, if any, of the unused return ticket held by the Insured Person at the time of the death or destruction, which value the Insured Person must attempt to receive credit for or apply towards the costs of the return trip. The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a re-return trip, if any, to the original location of the Insured Person at the time of learning of such death or destruction.

End of Trip Home Country Coverage

As the name of this benefit implies, this entitles our client to use the last month of his/her coverage after his/her trip overseas has ended, as insurance protection in the U.S. That one month began the moment he/she returned to the U.S. Once that one month is exhausted, the policy is expired. If and when he/she should return overseas, he/she will then want to purchase a new policy from Good Neighbor Insurance.

Question: What is the evacuation plus rider?

Answer: Without this added rider, under the Outreach or Patriot plan, the medical condition must threaten loss of life or loss of limb to be considered for medical evacuation.

With this added rider, it has an added evacuation benefit, the medical provider must be approved by the attending physician who certifies the need for continued hospitalization and the condition is not life threatening. 

Question: What do I do if I need medical evacuation coverage?

Answer: All evacuations must be approved in advance and coordinated by the Company IMG. Please call or have your doctor(s) call IMG.

Question: One of our clients signed up for a year's worth of Outreach Travel plan. He did not realize there was an exclusion for coverage when injured playing sports. He is in an adult soccer league. Could he add on the Sports Rider to have coverage for this sport?

Answer: Under the exclusions on the Outreach policy it lists Injuries sustained while participating in amateur or professional sports or other athletic activities which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. This would not be covered under, with our without, the adventure sports rider.

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  • CAREER - GMMI
    (SILVER, GOLD, PLATINUM)
  • SHORT-TERM TEAM
  • TRAVEL INSURANCE
    • OUTREACH INTERNATIONAL
    • OUTREACH AMERICA
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    • PATRIOT AMERICA
    • PATRIOT T.R.I.P.
    • SKY RESCUE
    • SPORTS (EXTREME) COVERAGE
  • CAREER - GLOBAL MEDICAL
  • MISSION PLUS INTERNATIONAL
  • MARINE MEDICAL
  • UNIQUE & SPECIAL NEEDS
  • GROUP INSURANCE
  • ADDITIONAL INSURANCE PLANS