| Insurance Providers |
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| Deductible Options |
$250, $500, $1k, $2.5k or $5k |
Worldwide including US
$0; $100; $250: $500; $1k, $5k
Worldwide excluding US
Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k
Ages 65 to 79 years: $0; $250; $500; $1k; $5k
80 years and older: $0; $500; $1k; $5k |
| Coinsurance |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
Coverage in USA
In PPO - The plan pays 100%.
Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.
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| Length of Coverage | 90 days up to 12 months. |
Minimum: 5 days
Maximum: 364 days |
| Renewability | Yes |
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.
$5 administrative fee is charged for each renewal. |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
URC to medical maximum |
| Hospital indemnity |
Not Available |
$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible |
| Urgent Care Clinic |
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
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URC to medical maximum $20 copay |
| Emergency Services |
| Emergency local ambulance |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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Inside USA:$10,000
Outside USA:URC to medical maximum |
| Hospital emergency room |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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URC to medical maximum, for including USA URC to medical maximum up to $100 copay |
| Dental |
| Emergency dental treatment |
Up to $300(Unexpected pain or treatment due to an accident) |
$500 for accident and $200 for sudden relief of pain |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
In Network: Maximum limit through age 69: $25K
Out Network: Maximum limit ages 70 and older: $20K
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Worldwide Including the United States:
Worldwide Including the United States(Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Worldwide Including the United States(Other than Cardiac Condition and/or
Stroke):
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500
Worldwide Excluding the United States:
Ages 14 days to 64 years: $50,000
Ages 65 to 79 years: $10,000 |
| Life |
| AD&D |
$25K principal sum, Not subject to deductible |
Members under age 18: Up to $5,000 principal sum
Members age 19-80: $25,000 principal sum
$250,000 aggregate limit per total insureds on plan |
| Common carrier AD&D |
Not Available |
Members under age 18: Up to $10,000 principal sum
Members age 19-80: : $50,000 principal sum
$250,000 aggregate limit per total insureds on plan |
| Evacuation |
| Emergency medical evacuation |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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Up to $500k |
| Emergency reunion |
$100K maximum limit. Not subject to deductible |
$200 per day, 10-day limit $100k maximum |
| Return of mortal remains or cremation/burial |
$25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
Up to $50k |
| Return of minor children |
$100K maximum limit. Not subject to deductible |
$50k maximum limit. Not subject to deductible |
| Political evacuation and repatriation |
Not Available |
$10k |
| Natural disaster evacuation |
Not Available |
$25k maximum limit. Not subject to deductible |
| Trip interruption |
Not Available |
$5k maximum limit. Not subject to deductible |
| Terrorism |
Not Available |
$25k maximum limit. Not subject to deductible |
| Unique Advantages |
- It is a comprehensive benefit insurance plan.
- The plan is available for individuals traveling outside their country.
- Limited pre-existing condition coverage.
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- Best for American Expatriates visiting the US.
- Optional coverage for hazardous sports.
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| Travel Insurance |
| Underwriter |
SiriusPoint Specialty Insurance Corporation |
For Including USA Underwritten by Crum & Forster SPC
For Excluding USA Underwriters at Lloyd’s, London |
| Rating |
A- |
"A" (Excellent) |
| Brochure and Details |
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