- Who is eligible to purchase an iNext protection plan?
Any individual 13 years of age and older who is a resident of the United States may obtain an iNext travel protection plan.
- Do the Supplemental Protection Plans provide primary or secondary coverage?
Like many travel medical protection plans, the coverage provided by all iNext Supplemental Protection Plans is secondary to any other coverage that you may have. In other words, if you are covered by another protection policy or plan — whether personal, parental, or through your sending institution — then that is your primary coverage. Prior to departure, you should contact your primary protection carrier to determine what, if any, accidents or illnesses may be covered overseas.
In the event that you must file a claim for reimbursement of medical expenses incurred while you are abroad, please note that you must first file a claim with your primary protection carrier to determine what, if any, portion of those medical expenses are reimbursable through your primary coverage. Subsequently, you should file a claim with Co-ordinated Benefit Plans, LLC for any amount that was not covered by your primary protection. If you have no other coverage in place, the iNext coverage becomes primary, up to the stated benefit maximums of your plan and subject to the terms and exclusions of the plan.
While abroad, you should have your primary protection carrier information readily available. During the claims process, you will be asked to submit the following:
- Name of primary insurance carrier
- Complete street address and telephone number of primary insurance carrier
- Policy ID #, Member #, Group # as applicable, of primary insurance coverage
- Who are the providers of the iNext travel protection plans?
The iNext travel medical protection plans are provided by CIEE: The Council on International Educational Exchange.
Insurance coverages in the Retail Plans and the Trip Cancellation/Trip Interruption Plans are underwritten by United States Fire Insurance Company.
Security Evacuation coverage is underwritten by Crisis 24.
- How long am I covered by my iNext travel protection plan?
Single trip is up to 180 days in duration. Must be purchased in U.S. prior to departure.
Please note that your protection effective dates are clearly indicated on the front of your iNext card.
- What are the plan exclusions?
The insurance benefits in all Supplemental and Comprehensive plans are subject to limitation and exclusions, including an exclusion for pre-existing conditions.
Exclusions vary by plan. Please refer to your specific plan document to review the applicable exclusions under your plan.
- Is pre-approval required before receiving medical treatment?
You do not need to contact International Medical Group prior to receiving medical treatment. Generali medical response team is available 24/7 and may be able to arrange for direct payment with the hospital or coordinate guarantees for serious and expensive medical cases. Please understand that direct payment is not guaranteed, as each claim is handled on an individual case basis. The customary procedure is to pay first and submit a claim for reimbursement. It is important to retain all receipts and documentation related to your claim.
- How do I file a claim?
You should telephone Co-ordinated Benefit Plans, LLC as soon as possible after receiving treatment or suffering a loss in order to initiate the claims process. When calling, please have the following information available:
- Policy Number (listed on the back of the iNext card)
- What coverage type or benefit category the claim is under (e.g. Medical Expense, Baggage Loss, etc.)
- The date the covered treatment or loss occurred
- The amount that was paid (if applicable)
During the call, a claim will be opened by a Co-ordinated Benefit Plans, LLC representative based on your responses. A claim form will be mailed, emailed, or faxed to you or to a designated recipient in the U.S. (e.g. a parent or family member). Upon receipt or upon return to the U.S., you should review and complete the claim form and return it to Co-ordinated Benefit Plans, LLC along with any requested supporting documentation such as original receipts, diagnostic records, police reports, proof of travel, etc., along with primary insurance information.
It is important to remember to keep your receipts from doctor’s visits, pharmacy prescriptions, and diagnostic records. These will be required by Co-ordinated Benefit Plans, LLC when you file a claim. All diagnostic forms should be translated into English, if possible. Claims processing can be delayed due to lack of documentation. The better prepared you are, the smoother the claims processing will be.
- What is optional trip cancellation and interruption coverage?
Trip Cancellation coverage can reimburse the amount of unused, non-refundable, prepaid payments for travel arrangements if you are prevented from taking your trip due to perils covered by your plan.
Trip Interruption coverage can reimburse the prepaid payments for unused, non-refundable land or water travel arrangements, plus the additional transportation cost paid, if you must interrupt your trip due to perils covered by your plan.
The Trip Cancellation/Trip Interruption perils include the following:
- Physician-certified sickness, injury, or death of the insured, a traveling companion, or family member
- The insured’s primary residence being made uninhabitable by fire, flood, burglary, or other natural disaster
- The insured being served with a court order to appear as a witness in a legal action, required to serve on a jury, hijacked, or quarantined
- The insured or traveling companion being directly involved in a traffic accident en route to departure
- Inclement weather causing the cessation of services by the common carrier for at least 18 consecutive hours
- Strike resulting in the complete cessation of services by the common carrier for at least 18 consecutive hours
Please refer to your specific plan document for a complete list of the Trip Cancelation/Trip Interruption perils that could apply. Additional terms apply to the covered reasons discussed above. The covered reasons for Trip Cancellation are not identical to the covered reasons for Trip Interruption. Plans contain additional covered reasons for Trip Cancellation and Trip Interruption.
- Who do I contact about my claim?
Co-ordinated Benefits Plans, LLC
P.O. Box 26222
Tampa, FL 33623
If you have any questions about your claim, please feel free to contact Co-ordinated Benefits Plans at:
Phone: 1-866-723-3063 or 727-412-7378
(It is strongly recommended that claims be filed via email)
- Who do I call for help in the event of an emergency?
In the event of an emergency, contact International Medical Group:
Within the U.S or Canada: 866-506-5304
Outside the U.S. +1-240-330-1548
Collect calls accepted