Trip Cancellation Insurance for Non US residents

Advantages of INF Hop! Plan:

• Hop plans provides travel, medical and security assistance for people traveling worldwide outside their home country.
• Maximum travel days per trip is 60 days.
• Hop! Travel Assist is the guaranteed cashless claims process.
• Covers Covid-19 medical assistance
• Hop! plans covers medical assistance for pre-existing conditions
• These plans covers trip cancellation,trip interruption,trip delay, pre-existing conditions, and much more.
• Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more!
• All Hop! plans have 100% co-insurance (We cover 100%) and no deductible.

Disadvantages of INF Hop! Plan:

• Hop! Plans cover do not cover ongoing treatments, follow up treatments
• Hop! plans avoid terms like insurance, deductible and plan Maximum

Specific Features:

• Travel Assistance:Hop! Assist also includes flight, hotel, and rental vehicle rebooking as part of your membership, so you don't have to worry about any additional fees or stress in case of travel changes. With lost passport and travel docs assistance, emergency cash transfer, and guaranteed hotel check-in, you can have peace of mind that you will be taken care of no matter what situation arises.
• Medical Assistance:Hop! Assist offers medical assistance as part of your membership, including medical clearances and fit-to-fly assessments, physician, hospital, dental, and vision referrals, emergency prescription replacement, dispatch of doctor or specialist, arrangement of visitor to bedside, medical payment arrangements, and medical bill audit.
• Security Assistance:In terms of security assistance, Hop! Assist has you covered with a range of features such as assistance in mass public disturbances, violent terrorist or extremist incidents, emergency political and security evacuations, hijacking, and more. You can also rely on a 24/7 point of contact to report emergencies and get security and safety advice from duty managers, which can give you a sense of security when traveling to unfamiliar places.
• Guaranteed cashless claims process:The guaranteed cashless claims process is just one of the many ways that Hop! Travel Assist makes it easy for members to use the program. With Hop! taking care of all the appointments and payment process, members can have peace of mind knowing that they will receive the necessary care without any added stress or financial burden.

Extensions:

• You will be allowed to extend the plan if they have a claim.
• If extension is at least 60 days it will be more cost-effective.
• If there is a lapse in coverage it will not trigger the waiting period.
• Enroll or Extension of the plan of at least 60 days or more will also qualify them for a free Priority Pass

Claims

• HOP! Plans use United Health Care, and members can find providers near them by clicking on the given link and searching by their zip code. The paragraph also explains how to access guaranteed cashless claims through Robin Assist.
• When a member becomes symptomatic, they can message the Robin Assist team through WhatsApp, phone, or email, and they will be put in touch with a nurse practitioner who can provide immediate consultation over the phone. If it is a life-threatening emergency, the member will be directed to the nearest hospital, and Robin Assist will contact the hospital and provide their eligibility and coverage details on behalf of the member

• If the member wants to go to an urgent care or suggest any in-network facility, Robin Assist will contact three options while the member is on the line.
• They will provide verification of benefit or a "guarantee of payment" to the provider to ensure that it is cashless.
• Again, they will provide verification of benefit or a "guarantee of payment" to ensure that it is cashless.

Pre-existing conditions:

• Any condition (chronic, congenital, or otherwise), which manifested earlier than the start date of coverage.
• It is understood that pre-existing conditions in this assistance program may also refer to specific diseases which exist within the body, whether or not known, and that needs or requires a formation or incubation period within the body of the Member before effective date of the plan or the trip (or whichever is later).
• Common examples of preexistences, just to name a few: kidney or gallstones, obstruction of arteries or veins by blood clots or other, respiratory diseases such as asthma, lung problems, emphysema, HIV, usually related problems blood pressure, glaucoma, cataracts, nephritis, ulcers or gastric diseases, diseases resulting from congenital malformations, genital mycosis,liver abscess, cirrhosis, blood sugar, high cholesterol, high triglycerides, and others.

Non-life threatening conditions caused by pre-existing conditions:

• Covered if the symptoms are acute for example:
  1. Chest pain requires some doctor consultation at urgent care due to high BP
  2. Sugar levels are low causing fatigue due to diabetic condition, requiring urgent care visit
• What is not covered?:
  1. Planned surgeries which are NOT life and death fr example- heart surgery or gallbladder stone removal
  2. In this situation- if not ER we will offer to pay for flight rebooking back home
• On-going treatment and routine appoints not covered

Life threatening conditions caused by pre-existing conditions:

• Must be reported within 48 hour
• Covered for all procedures / treatments until the patient is stabilized:
  1. Stabilized means the patient is able to leave the hospital
  2. Plan is designed to cover 1-2 maximum specialist visits after stabilization for emergencies
  3. Follow up appointments on an ongoing basis are not covered