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Member Services:

International Medical Group
2960 N. Meridian Street
Indianapolis, IN 46408
(800) 628-4664

low cost health insurance

Highlights

$100,000 maximum coverage
Emergency medical evacuation
Emergency Reunion
Accidental death and disability coverage
Includes trip interruption, lost luggage protection and personal liability protection for injury to a third party

This inexpensive coverage provides emergency medical evacuation, repatriation, reunion and emergency assistance services that are not covered under most U.S. domestic or foreign national plans.  It can be purchased in three, six or 12 months increments and can be rewritten for succeeding or subsequent periods.
low cost health insurance
Who is eligible?
This insurance is available for individuals under the age of 65 traveling outside their home country.
low cost health insurance
About the Insurance Company
Sky Rescue is underwritten by Sirius International Insurance Corporation and administered by International Medical Group.
Sky Rescue Insurance

Product Review

Summary of Benefits:
Emergency medical evacuation coverage
Designed for those travelers who need to fill the gaps in their international medical insurance. It provides coverage for such benefits as emergency medical evacuation, repatriation, reunion and emergency assistance services.
Highlights:
  • Political Evacuation coverage
  • Emergency Evacuation coverage
  • Emergency Reunion coverage 
  • Return of Mortal Remains coverage
  • Returning Minor Children coverage
  • Emergency Travel Assistance Services
Who the plan is designed for:
  • Individuals and groups of two or more international travelers
  • Vacationers 
  • Individuals and families living or working abroad 
  • Individuals that maintain multiple countries of residence

What would you do if you or a member of your group needed to be evacuated to a qualified medical facility while traveling internationally? How would you deal with the language and currency barriers? Who do you call? Imagine trying to call your insurance company or plan administrator at 3:00 a.m. from a foreign country during a medical emergency. Will they be there when you need them the most?  IMG developed Sky Rescue to provide you and your family Coverage Without Boundaries.

The plan may be purchased for three months, six months or 12 months and can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply, and a new application must also be completed.

INTERNATIONAL EMERGENCY CARE (WHEN COORDINATED THROUGH THE PLAN ADMINISTRATOR)
Emergency Medical Evacuation Up To $100,000
Emergency Reunion Up To $15,000
Return of Mortal Remains Up To $20,000
Accidental Death and Dismemberment Up To $100,000
Trip Interruption Up To $5,000
Lost Luggage Up To $50 per item; maximum of $250 per Period of Coverage
Returning Minor Children Up To $5,000 when coordinated through the Plan Administrator
Political Evacuation Up To $10,000 when coordinated through the Plan Administrator
Personal Liability Coverage As Described Below

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.

 

Pros

This product has not recently been reviewed by Freedom Benefits.

Cons

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Sky Rescue plan.

  1. A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
  2. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
  3. AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
  4. Charges for pre-natal care, delivery, post-natal care, and care of newborns, including complications of pregnancy, miscarriage, complication of delivery and/or complications of newborns.
  5. Injury or Illness sustained while participating: abseiling, mountaineering activities where specialized climbing equipment, ropes or guides are normally or reasonably should have been used, Amateur Athletics, Interscholastic Athletics, Professional Athletics, aviation (except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, bicycle motor cross or BOX, BASE jumping, bobsledding, bungee jumping, canyoning, caving, high diving, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, parachuting, rappelling, rock climbing, parascending, trekking, rodeo, skydiving, snow skiing, ski jumping, snowboarding, snowmobiling, surfing, wakeboarding, water skiing, windsurfing, kiteboarding, whitewater rafting, racing of any kind including by horse, motor vehicle (of any type) or motorcycle, wildlife safari, spelunking, or scuba diving, snorkeling, or other subaqua pursuits involving underwater breathing apparatus. Practice or training in preparation for any excluded activity which results in injury will be considered as activity while taking part in such activity.
  6. Charges, injuries and/or illness resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
  7. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  8. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
  9. Willfully self-inflicted injury or illness.
  10. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
  11. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  12. Treatment for mental and nervous disorders.
  13. Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance.
  14. Any taxes, involuntary or forced contributions, assessments, charges, fees or surcharges imposed by any governmental agency or authority.

 

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.

 


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.