Hop! Mindoro is a new fixed benefit travel assistance membership which provides travel, medical, legal, and personal assistance for travelers visiting anywhere worldwide outside their home country. This assitance membership provide assistance for eligible travel, medical (including pre-existing conditions), legal, and personal expenses for covered events, as per the terms and conditions listed in the membership subscription.
Travel Assist are designed for people on a budget who still want some level of coverage while traveling. These plans are intended for clients who have a fixed budget but still want to feel secure and protected while traveling.
These plans are a good option for someone who only needs basic coverage and doesn't want to pay for more comprehensive coverage.
Note: Hop! Mindoro is travel assistance membership program, and is not an insurance product.
Choice of PPO network
Easy claims via HOP Assist
24/7 Medical Concierge
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
INF Hop! Travel Assist is an innovative approach to solving for travelers needs while they are visiting a new country. Hop! provide medical assistance for travelers, ensuring peace of mind while on the road. Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more!
One of the unique features of Hop! Travel Assist is the guaranteed cashless claims process. This means that if a member uses Hop! assistance services,they don't have to worry about paying out of pocket for medical expenses. Instead, Hop! takes care of everything for them, making it incredibly easy and stress-free to use the program.
Note: Hop! requires members to contact Hop Assist within certain times to access benefits. Non-Life-Threatening Medical Assistance requires notification within 7 days of first symptom.
Life-threatening Medical Assistance need to be reported within 48 hours of first symptom. Travel Assistance requires notification within 24 hours of the incident.
Yes. Hop! plans offers medical Assistance for Pre-Existing Conditions.
Hop! Travel Assist is a travel assistance membership program for international trips, offering 100% payment with no deductible. Hop plans offers Travel, Medical and Security Assistance for travelers visiting worldwide outside their home country. Hop! Travel Assist is the guaranteed cashless claims process. Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more
Yes. Hop! Travel Assist offers coverage for trip cancellations or interruptions for travelers visiting worldwide outside their home country.
There are 6 types of plans in Hop! Travel Assist. We have 5 comprehensive plans Hop Classico, Hop Ultra, Hop Ultra Plus, Hop VIP and Hop VIP plus.
There is also one fixed plan HOP Mindoro travel Assist. There is a minimum purchase of 30 days required to buy these INF HOP plans.
The cost of the plan depends on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF visitor insurance offers.
The INF Hop! Mindoro Travel Assistance Plan covers Covid19 related expenses such as testing, treatment, quarantine, etc., up to the total maximum for all accident and sickness medical expenses and the medical access expense chosen. The plan offers three options for coverage:
The INF Hop! Mindoro Travel Assistance Plan covers Covid19 like any other new sickness, only if the virus was contracted after the policy effective date. The plan also covers pre-existing conditions (out-patient and emergency) as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
Any non-US citizen can apply for the INF Hop! Mindoro Travel Assistance Plan. This includes green card holders, H-1B visa holders, permanent residents, students on F1 / F1 visas, those on OTP, and those whose immigration status is not confirmed. This plan works for all age groups, from age 0 to age 99. The plan requires a minimum purchase of 30 days and a maximum period of membership of 364 days.
Travel assistance by Hop includes medical support, travel benefits, and a 24/7 concierge team. We coordinate all your benefits for you to ensure you never pay out of pocket from medical and travel assistance. Hop offers medical assistance for pre-existing conditions and utilizes United Healthcare PPO in the United States
An Access Expense is a non-refundable deposit to be paid before medical assistance is provided. There is only 1 access expense to be paid during the duration of your membership.
Once you subscribe for a Hop Membership- go to the “My Account” section on the top of the page, and click “Sign In”. After, click the “Sign Up” button on the log in link and set up your password for your new account.
Assistance levels are the amount of benefits payable under the membership. For example, if you choose an assistance level of $300k – this means your membership entitles you to $300k of benefits.
Here are some travel insurance tips for travelers with pre-existing conditions:
There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.
INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.
Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.
The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
INF insurance plans are available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country between the ages of 14 days and 99 years.The coverage duration is available from 5 days up to 364 days.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
|Room & Board Charges||$25k: $2,700
|ICU Room & Board Charge||$25k: $2,100
|Doctor Surgical Expenses||$25k: $2k
|Assistant Surgeon Expenses||$25k: $1,250
|Doctor Office Visits (Non-Surgical)||$25k: $40 per visit, 1 visit per day, a maximum of 10 visits
$50k:$60 per visit, 1 visit per day, a maximum of 10 visits
$75,000:$80 per visit, 1 visit per day, a maximum of 10 visits
|Pre-admission tests within 14 days before Hospital Admission:||$25k: $950
|Surgical Room and Supply Expenses||$25k: $950
|Urgent Care (Optional)||$25 Urgent Care Copay|
|Doctor Surgical Expenses||$25k: $2k
|Doctor Office Visits (Non-Surgical)||$25k: $40 per visit, 1 visit per day, a maximum of 10 visits
$50,000:$60 per visit, 1 visit per day, a maximum of 10 visits
$75k:$80 per visit, 1 visit per day, a maximum of 10 visits
|Assistant Surgeon Expenses||$25k: $500
|X-rays, laboratory procedures||$25k: $275
|CAT Scan, PET Scan or MRI||$25k: an additional $275
an additional $400: $400
$75k:an additional $525
|Hospital Emergency Room||$25k: $275
|Prescription Drug Expenses||$25k: $75
|Ambulance Expenses||$25k: $375
|Rehabilitative braces or appliances||$25k: $500
|Pre-existing Conditions||$25k: $1,750
|Dental Treatment (Injury Only)||$25,000: $500
|Emergency Medical Evacuation||$20k|
|Repatriation of Remains||$25k: $15k
|Accidental Death and Dismemberment||$25k|
|Benefit Period||The earlier of the date the Covered Person’s Trip ends, or 364 days from the date of a Covered Accident or Sicknes|
|Incurral Period||90 days after the date of Covered Accident or Sickness|
|Assistance Payment Rate||100% of the Usual and Customary Charges|
|Trip Cancellation (Optional)||$10k|
|Trip Delay (Optional)||$600|
|Missed Connection / Coordination(Optional)||$500|
|Baggage Delay / Lost Bag Search (Optional)||$500|
|Lost Baggage / Lost Bag Search (Optional)||$1k|
|Rental vehicle booking||Included|
|Lost Passport & Travel Docs||Included|
|Emergency Cash Transfer||Included|
|Guaranteed Hotel Check-in||Included|
|Up-to-the-minute Travel Delay Reports||Included|
|Pre-existing Conditions||$25,000: $1,750
|Malicious product tamper and contamination||Included|
|General travel risk and travel security||Included|
|Assistance in mass public disturbances, violent terrorist, or extremist incidents||Included|
|24/7 point of contact to report emergencies and get security and safety advice from duty managers||Included|
|Assistance in cases of major disasters||Included|
|Emergency political and security evacuations||Included|
|Hijacking (any form of conveyance)||Included|
|Illegal detention and arrest||Included|
|Kidnap for ransom||Included|
|Monitoring and telephone advice throughout the crisis||Included|
|Commercial Airline (including medical stretcher)||$20k|
|Medical clearances & Fit-to-Fly Assessments||Included|
|Physician, hospital, dental, and vision referrals via Hop Assist||Included|
|Return Travel Arrangement||Included|
|Emergency Prescription Replacement||Included|
|Medical Cost containment, expense recovery, and overseas investigation||Included|
|Dispatch of Doctor or Specialist||Included|
|Arrangement of visitor to bedside||Included|
|Medical Payment Arrangements||Included|
|Medical Bill Audit||Included|
|Shipment of Medical Records||$75|
|Medical Equipment Rental & Replacement||$1,000|
|In-Patient / Out-Patient Care Management||Included|
|Eyeglasses & Corrective lens replacement||Included|
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