GlobeHopper Platinum Travel Medical Insurance

1. GlobeHopper Platinum is available to eligible persons of any nationality worldwide that are travelling outside their home country. If you have multiple residences or passports, then the country listed on the application form will be considered your home country.
2. For USA citizens, the home country is both the United States and your primary residence or usual place of abode. USA citizens, in addition to the above:
   
   • Must depart the USA on, or be located outside of the USA, as of the effective date (or date of extension, or Renewal Date);
   • USA citizens requiring Worldwide coverage will have an annual limit of 60 total days of coverage in the USA;
   • Only brief returns to the USA are covered under the Citizenship Return Coverage or the Incidental Home Trip Coverage, as applicable.
3. For those under 65 years of age and visiting the USA, your initial period of insurance must begin within six months of arrival in the USA. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be wai ved with proof of previous valid international travel insurance. Prior USA domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the application form. If you are not in the USA at the time of application, please indicate your expected date of arrival on your application form.
4. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the USA Patient Protection and Affordable Care Act (PPACA).

Exclusions

• A Pre-existing Condition which is 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, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
• Treatment or surgeries which are elective, investigational, experimental or for research purposes.
• War, military action, terrorism, political insurrection, protest, or any act thereof. We 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.
• Immunisations and routine physical exams.
• Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the plan.
• Venereal disease, 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 enrolment into this insurance.
• Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilisation or reversal thereof, or abortion.
• Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by any collegiate sanctioning or governing body, or the International Olympic Committee. The following Adventure Sports are excluded unless the Adventure Sports Option is purchased: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m above ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.
  Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or adventure sports activity not expressly covered hereunder are excluded regardless of which plan or option is selected.
• Vision or ear tests and the provision of visual or hearing aids.
• Vocational, recreational, speech or music therapy.
• Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
• Charges, injuries and/or illnesses resulting or arising from or occurring during the commission of a violation of law by the insured person, including, without limitation, the engaging in an illegal or malicious occupation or act, but excluding minor traffic violations.
• Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
• 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.
• Willful self-inflicted injury or illness.
• Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
• Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
• Treatment for mental and nervous disorders.
• Organ or tissue transplants or related services.
• Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the Policy Wording.
• Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
• Travelling against the advice of a medical practitioner.
• Any infection of the urinary tract (or illness arising therefrom), that occurs within ninety (90) days of the effective date of coverage and that requires treatment of the insured person in a hospital; provided that any such illness will be deemed by us to be a Pre-existing Condition.

1. Cover and benefits are subject to the applicable excess, coinsurance all terms and conditions of the plan and policy wording.
2. Cover under a Globehopper Platinum plan is secondary to any other cover.
3. Cover and benefits are for medical necessary,usual,reasonable and customary charges only.
4. Charges must be administered or ordered by a medical practitioner.
5. Charges must be incurred during the period of cover or the cover extension period(if applicable)
6. Claims must be presented to IMG for payment within 90 days from the date the claim was incurred.