Wanderlust

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Plan Details EI&I IHP
Duration
12 months (or less)
12 months
Geographic
Worldwide
Worldwide
Policy Limit
US $500,000
US $2,000,000
Deductible
$250 in the aggregate
$0
Age Limit
59
69
Co-insurance
0% WW, 10% US in Network, 30% US out Network
0% WW, 10% US in Network, 30% US out Network
Life Interruption
Flight home up to $5,000
Flight home up to $10,000
Family
2 children under 10 covered for each 1 policy issued.
Individual plan required
Hospital
Standard Private Room
Standard Private Room
ICU
100% to Policy Limit
100% to Policy Limit
Surgeon, Assistant Surgeon, Anesthesiologist, Doctors & Nurses, Prescription Medication: inpatient
100% to Policy Limit
100% to Policy Limit
Day Patient / Outpatient Surgery
100% to Policy Limit
100% to Policy Limit
Outpatient Coverage
100% to Policy Limit
100% to Policy Limit
Outpatient Diagnostic Test Services
100% to Policy Limit
100% to Policy Limit
Emergency Ambulance (Ground & Air)
100% to Policy Limit
100% to Policy Limit
Evacuation of Mortal Remains
up to $15,000
up to $100,000
Repatriation Companion (for minors)
one companion, economy class return ticket
one companion, economy class return ticket
Acute Onset Pre- Existing Conditions
up to $5,000
up to $25,000
Pre Existing Conditions
No
No
Hospital Cash Benefits
No
up to $150 per night to a maximum of 30 days
Inpatient Psychiatric
No
up to 30 days to a max limit of $5,000
Outpatient Psychiatric
No
to a maximum of 10 visits
Health Screening, Routine Medical Exam & Vaccination
No
up to a maximum of $500
Durable Medical Equipment
up to $500 limit per medical condition within 6 months of an eligible medical condition, inpatient & outpatient
up to $1,500 limit per medical condition within 6 months of an eligible medical condition, inpatient & outpatient
Cancer / Neoplasm
No
100% to Policy Limit
Recon Nasal / Septum Deformity
No
100% to Policy Limit
Sleep Disorders
No
100% to Policy Limit
HIV
No
100% to Policy Limit
Speech Disorders
No
100% to Policy Limit
Congenital Disorders
No
to a maximum of US $25,000
Organ Transplant
No
100% Policy Limit, max of $50,000 for medical expenses related to live donor
Nurse Care at Home
up to 30 days max overall limit of $5,000
up to 60 days max overall limit of $10,000
Terminal Illness / Palliative care
No
up to 180 Days max limit of $50,000
Adult Companion (for under 18 patient)
No
100% to Policy Limit
Emergency Dental
up to $1,000 for a covered accident
up to $1,000 for a covered accident
Rehab / Specialist Treatment
$100 per day up to 30 days
$500,000 to a max of 30 days
Dental
No
routine covered, complex subject to a 9 month waiting period max $1,000.
Vision
No
eye exams, standard lens enhancement, and contact lenses once every 12 months; eyeglasses once every 24 months to a maximum of $500
Physical Therapy
Yes : up to $3,000 to 10 visits within 90 days of a covered event
Policy Limit to a max of 10 visits within 90 days of a covered event
Complimentary Therapy
No
up to US $60 per visit to a maximum of 10 visits
Questions Answers
1. ) I’m involved in a start-up online shop, specializing in indigenous craft and clothing. I’m going to travel around Central & South America to immerse myself in different indigenous cultures and to source materials. I might be gone for 6 months, but who knows, I might like it!
Our EI&I plan is designed for you. You are covered wherever you go and you pay monthly. If you eventually decide to settle long term / indefinitely, you may want to convert to our IHP plan. For the days you travel, you might want to buy a travel pack to cover you for trip delays and loss baggage for example.
2. ) Me and my friend just finished Uni and are planning on backpacking though Asia for 3 months. My parents want me to have cover if we get ill or injured – and will pay for it.
Our EI&I provides the medical insurance you need, wherever you go. You can buy the plan and pay for the full duration of your trip so you don’t need to worry about a thing. For the days you travel, you might want to buy a travel pack to cover you for trip delays and loss baggage for example.
3. ) I work remotely for my US employer. I live in Bermuda under a digital nomad visa. My employer gives me some medical coverages, but I’m terrified that my 12 year old son has an accident and has to go to hospital for treatments, the costs would wipe me out. I’m on a tight budget
Buy our EI&I plan for your son. Monthly premiums are low and your rate is locked in for 12 months (as long as you buy continuously). If your son has an accident and needs to go to hospital, he’ll be fully covered, and he won’t need to be sent back to the US. Check your own Health coverage, you may want to buy it for yourself too.
4. ) My spouse / partner has been offered a job in Dubai. The employer is obliged to give provide health insurance, but not for me. I am require however to have health coverage if I want to stay in Dubai.
To stay in Dubai over 30 days you will need a visa. Wanderlust plans are available and are compliant with the Dubai Health Authority (DHA) and can be purchased through our appointed local insurance partners by clicking this link. Our IHP plan will provide you and your family with the cover you need for every eventuality, including chronic illnesses like cancer, but if you’re on a tight budget, our EI&I plan is also DHA compliant and will provide you the basic coverage you need.
5. ) I am working in Mexico with my family, we buy private medical insurance as expatriates. I want access to US Healthcare, but my options are limited (many insurers don’t include this). My insurance premiums are very high even though we have no pre-existing conditions.
Our IPH plan is the best choice for you and your family members. Our pricing is as good as it gets, and you can choose to include access to US healthcare.
6. ) Like wanderlust, my company is digital. Our online employees and contractors are based in loads of different locations around the world. We were thinking that your EI&IP would be a good option for most of our people rather than buying a traditional health plan, which are far more expensive. I see your competitors don’t offer a plan like EI&I so we really like that part. However, our founders and /or senior stakeholders should have a more traditional plan, like your IHP. I’ve priced each of our people on your website and see it works well and your pricing on an individual basis is the best, but can you offer a group (company) discount?
The answer is YES. We expect you’d have already priced your “group” plan as individuals on our site. Just send us an e-mail, all you need to do is tell us the home country, age and if you need to access coverage in the US, Hong Kong & Singapore and finally which cover applies to each member of the group – and we’ll come up with group discount. It makes a lot of sense to start new or temporary employees with our EI&I plan, its very affordable and can allow you to offer this benefit as a competitive edge for your business. We do not believe you will find a better value plan than our IHP for your core group.
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