G L O B E H O P P E R®
SENIOR

Short-term, travel medical insurance for travelers age 65+

WHY GLOBEHOPPER SENIOR?
You have enough to worry about when you're traveling.
Don't let your medical coverage be an uncertainty. IMG
has developed two GlobeHopper® Senior plan options thatoffer market-leading, affordable travel medical insurance thatbridges the gap left by other limited domestic plans that
do not cover seniors when they leave the U.S. GlobeHopper
Senior Single-Trip helps protect travelers who need travel
medical insurance coverage from five days up to 12 months
while on a single trip. GlobeHopper Senior Multi-Trip offers
flexible protection to frequent travelers who prefer topurchase an annual plan to cover multiple trips throughout
a 12-month period, with each trip covered up to a maximumof 30 or 45 days.
Additionally, the plans offer excellent benefits and services
to help meet your global travel insurance needs. You haveaccess to IMG's international, multilingual customer service
representatives, claims administrators who process claims
from all over the world, handling virtually every language andcurrency, and 24-hour access to highly qualified coordinatorsof international emergency medical services and treatment.

GlobeHopper Senior

GlobeHopper Senior

Multi-TripSingle-Trip

GlobeHopper Senior Single-Trip helps protect those who needtravel medical insurance for a single trip lasting up to 12 months.

»»
»
»
»
»
»
»
»

Maximum limits: $50,000 to $1,000,000 - dependent upon age
Deductible: $0 to $2,500 - dependent on max limit
Extensions: Up to 12 continuous months
Coinsurance: IMG pays 100%
Sudden and unexpected reoccurrence of pre-existing
conditions: $2,500 maximum limit
Continuation of Treatment Period: Earlier of six months perinjury or illness or upon return to country of residence
Non-Emergency Medical Evacuation: $25,000 maximum limit
Hospital Indemnity: $250 per night, 30 overnights maximum(Not subject to deductible)
Local Ambulance Expense: IMG pays 100%, up to $5,000maximum limit

GlobeHopper Senior Multi-Trip offers flexible protection to frequent
travelers who prefer to purchase an annual plan to cover multiple
trips throughout a 12-month period, with each trip covered up toa maximum of 30 or 45 days, depending on the plan option youchoose. Option to renew plan up to 24 continuous months.

»»»
»
»»»
»
»

Plan Highlights

Eligibility» Offers immediate access to care and reimbursement for eligible» Must be 65 years of age or older» U.S. citizens or U.S. permanent residents» Qualified for Medicare and actively enrolled in Medicare Parts A»
»
»
»
»
»

2

Maximum limits: $100,000 to $1,000,000 - dependent upon age
Deductible: $250 per injury or illness
Extensions: Up to 24 continuous months
Coinsurance: IMG pays 100%
Sudden and unexpected reoccurrence of pre-existing
conditions: $5,000 maximum limit
Continuation of Treatment Period: $5,000 maximum limit
before earlier of a) 30 day per injury or illness or b) upon return tocountry of residence
Non-Emergency Medical Evacuation: N/A (only offered under
Evacuation Plus rider)
Hospital Indemnity: $250 per night, 5 overnights maximum(Not subject to deductible)
Local Ambulance Expense: IMG pays 100%

medical expenses
Allows the option to select a hospital or doctor of your choice
Provides reimbursement for emergency and non-emergency careexpenses
Provides 24/7 emergency medical and travel assistance anywherein the world
Does not have a maximum age restriction
COVID-19 covered as any other illness
24/7 access to IMG Travel Intelligence through the IMG mobileapp, built to minimize potential travel issues and destinationspecific risks.

& B and a Medicare Supplement plan; or actively enrolled in aMedicare Advantage Plan

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable andCustomary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

TheAdvantage

Our Service, Strength, and Safety Solutions provide you with theultimate advantage: Global Peace of Mind.

S E R V I C E Help when and where you need it.

S T R E N G T H A market leader you can trust.

Nobody wants to experience an emergency while traveling the world,
but if you do, you’ll want a team you can trust to have your back.
IMG’s expert staff is here for you 24/7. We’re accustomed to working in
multiple time zones, languages, and currencies, so rest assured we havethe training to assist you—even in remote and hazardous locations.
Our international and U.S. provider networks include more than one
million physicians and facilities across the globe, giving you access toquality care while away from your primary care team. Our innovativetechnology allows you to manage your claims, your account, andsearch for providers through our online portal and mobile app aroundthe clock.

You can feel confident with IMG knowing our industry expertise has
led us to serve millions of customers worldwide since 1990. Owned
by SiriusPoint, a multi-billion-dollar insurance industry leader and rated“A-” by A.M. Best, an independent analyst of the insurance industry, IMG
has a strong financial backing and vision to become the preeminent
provider of travel and health safety solutions. With loyal customers
ranging from Fortune 500 companies, universities, to individuals andother insurance companies, our personalized offerings allow us tomeet the needs of nearly anyone traveling internationally.

S A F E T Y S O L U T I O N S Products and services designed with your safety in mind.
PHYSICAL HEALTH
You can’t plan when you get sick, and unfortunately, it
can happen anytime and anywhere. Medical bills canbe expensive, and IMG plans provide the cross-border
medical coverage you need for unexpected medicalcare.

CRISIS SUPPORTNavigating an emergency in a foreign country isnever easy. That’s why IMG offers a multilingual staff ofnurses, doctors, and case managers that provide 24/7
assistance services to facilitate a response to urgent andemergency situations, such as evacuations.

FINANCIAL PROTECTION
Costs can add up while seeking medical treatment.
However, access to IMG’s physician and provider
networks and pharmacy discount programs can help
you save on out-of-pocket medical expenses andprescription medications. IMG plans can also help you
recoup nonrefundable, prepaid trip costs should an
unexpected, covered event interrupt your trip.

PERSONAL PROPERTY
There are some belongings you know you can’t live
without. IMG has you covered and can reimburse costs
if your essential items like luggage or important travel
documents are lost, stolen, or damaged during yourtravels abroad.

3

SUMMARY OF BENEFITS

The following benefits and coverage levels are shared across all GlobeHopper Senior products:

BenefitCoverageInpatient/Outpatient Benefits
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary

Charges

PHYSICALHEALTH

Hospitalization / Room & Board

Average semi-private room rate

Intensive Care Unit

Up to maximum limit

Surgery

Up to maximum limit

Physician Visits

Up to maximum limit

Diagnostic Procedures

Up to maximum limit

Home Nursing Care

Up to maximum limit

Durable Medical Equipment

Up to maximum limit

Emergency Room4Limits per Period of Coverage unless stated as Maximum Limit

Up to maximum limit
Additional $250 deductible for illness that does not result in a direct hospitaladmission

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable andCustomary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

SUMMARY OF BENEFITSPHYSICALHEALTH

BenefitCoveragePrescriptions
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary

Charges

Limits per Period of Coverage unless stated as Maximum Limit

Prescription Medication

Up to maximum limit
Emergency Services
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary

CRISISSUPPORT

Benefit

Limits per Period of Coverage unless stated as Maximum Limit

Emergency Medical Evacuation$250,000 maximum limit

Emergency Reunion$50,000 maximum limit

Return of Mortal Remains$50,000 maximum limit

Political Evacuation$50,000 maximum limit

Inter-facility Transportation$2,500 maximum limit

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable andCustomary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

5SUMMARY OF BENEFITS
BenefitCoverage
Other Services
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary

CRISISSUPPORT

BenefitTerrorism$50,000 maximum limit

Natural Disaster$100 per day for five days,$5,000 maximum limit

Accidental Death and Dismemberment

FINANCIALPROTECTION

Common Carrier Accidental DeathPERSONAL
PROPERTY$100,000 per adult/ $200,000
per family maximum limit$5,000 limit

Identity Theft$500 limit

Lost Luggage

Dental Treatment - for unexpected pain

PHYSICALHEALTH$25,000 principal sum

Trip Interruption

Felonious Battery

Traumatic Dental Injury

6Limits per Period of Coverage unless stated as Maximum Limit$10,000 maximum limit$50 maximum per item of personal property, $250 overall maximum$100 limit

Up to maximum limit

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable andCustomary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

7

EXPAND YOUR COVERAGE
Expand your Multi-Trip plan with the Evacuation Plus rider for additional coverage
while away from home.

CRISISSUPPORTnEvacuation Plus Rider

While GlobeHopper Senior provides emergency medical evacuation
coverage for life-threatening injuries and illness, the Evacuation PlusRider provides coverage up to $25,000 for medical evacuations if you
experience a sudden, non-life-threatening medical condition that requires
hospitalization. IMG will arrange and cover ground and air transportation tothe nearest hospital capable of providing treatment.
Note: This rider is for the GlobeHopper Senior Multi-Trip plan only.

CONDITIONS OF COVERAGE» Coverage and benefits are subject to the deductible and limits, and all terms of the Certificate of Insurance, Master Policy and other governing policy
documents
Coverage under a GlobeHopper Senior plan is secondary to any other coverage
Coverage and benefits are for eligible medical expenses which are medically necessary, usual, reasonable and customary
Charges must be administered or ordered by a licensed physician
Charges must be incurred during the period of coverage or the coverage duration per trip
Claims must be presented to IMG for payment within 180 days from the date the claim was incurred»»»»»This plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and only provides coverage for medical expenses outside of the U.S.

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. Thisis a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “InsuranceContract”). The Insurance Contract is the only source of the actual benefits provided.

8INNOVATIVE TECHNOLOGY & MEMBER SERVICESnSelf-Service Member Portal

MyIMG provides service at your fingertips, giving you the informationand tools to manage your IMG plans anytime, anywhere, throughaward-winning, easy-to-use technology. You’ll have immediate accessvia our website and through IMG's mobile app to plan documents,
claims management tools, Explanations of Benefits, and much more.
SMnn

International Provider AccessSM

Travelers outside of the U.S. can also enjoy access to quality healthcare
worldwide with our proprietary IPA network that includes:»»

Over 18,550 physicians and facilities
Direct billing arrangements that minimize time and upfront
expensePharmacy Discount Savings

Universal Rx is a discount savings program that allows you to purchaseprescriptions from one of 35,000 participating pharmacies in theU.S. and receive the lower of 1) Universal Rx contract price or 2) thepharmacy regular retail price. This network offers a simplified claims
process with minimal paperwork for the member if they visit an innetwork provider.
This program is not insurance coverage; it is purely a discount program.

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to theexclusions and limitations and are payable only at Usual, Reasonable and Customary charges.
This is a summary of a selection of plan benefits offered only as an illustration and does notsupersede in anyway the Certificate of Insurance and governing policy documents (together the“Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

9HOW TO GET COVEREDPROTECT YOUR INVESTMENT

1

Step 1:
Contact your producer or apply online.

2

Step 2:Complete your online application: If applying as a family, you
may include yourself, your spouse, and dependents on one
application.

IMG also offers trip cancellation plans to help protect
your travel investment. There are different plan options
specifically designed for your needs. For more information,please contact your trusted insurance producer.

3

Step 3:
Receive a fulfillment kit that includes an identification card,declaration of insurance, and a Certificate of Insurance outlining
the details of the plan. Welcome to the IMG family!

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. Since January
1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons whoare required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes toapplicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine the insurance requirements applicable to them, and the Company and IMG shall haveno liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including, without limitation, PPACA. For information on whether PPACA
applies to you or whether you are eligible to purchase GlobeHopper Senior plan, please see IMG’s Frequently Asked Questions at www.imglobal.com/faq.

10

G L O B E H O P P E R®
SENIOR

Producer Contact Information
HIRANO - HOLCOMB INSURANCE AGENCY, LLC
P.O. BOX 12580
MILL CREEK, WA 98082
Phone: 206-755-5585
Fax: 888-391-5155
masako@mhhinsurance.com
http://www.mhhinsurance.com

This invitation to inquire allows eligible applicants an opportunity to seek information about
the insurance offered and is limited to a brief description of any loss for which benefits may
be payable.
Benefits are offered as described in the Insurance Contract. Benefits are subject to all
deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the
Insurance Contract. Certain contracts do contain a pre-existing condition exclusion and do
not cover losses or expenses related to a pre-existing condition.

CM00502172A230905

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs,copyrights and other proprietary materials owned and registered and used by International
Medical Group, Inc. and its representatives throughout the world. © 2007-2023 International
Medical Group, Inc. All rights reserved.

Version 0923