Advantages of Renewal of Policy, offered by IMG.

If Outreach America or Outreach International purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years. Renewals are available in whole month increments. Each insured person must only satisfy one deductible and coinsurance within each yearly coverage period.

Please note that this is a renewal of policy and NOT a new policy. That means that if something happens in previous months, it will not be considered as a pre-existing condition. While if you take a new policy, it will be considered as a pre-existing condition. Thus renewability is a big advantage.

Every time you renew the policy, insurance company charges $5 renewal fee, in addition to the premium. Therefore, it is a good idea to not pay in too many installments if you already know that you are going to stay for a few months. Whether you buy in small durations or for many months at a time, total premium rate remains same, deductible is also only once per year. Only difference is $5 fee per renewal.