Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Coverage Area: Non-US citizens (age 0 to 99) traveling outside home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Co-Insurance: After deductible, plan will pay 100% of eligible expenses up to policy max.
  • PPO Network: United Heathcare Network.
  • ID Card: Link comes in email to download.

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Age and Policy Maximum

Age 80 or older: $10,000.
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or

Doctor Visit

Up to policy max (deductible & co-insuance apply)

Urgent Care

Up to policy max. $15. Co-pay apply if deductible is more than $0

Hospital Room and Board

Up to policy max.


Up to policy max (deductible & co-insuance apply)

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  • Pre-existing Conditions, except charges resulting directly from an acute onset of pre-existing condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.
  • Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.
  • Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.

Complete details are given in the certificate of insurance.

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Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:

(a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

(b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

(c) You must be under eighty (80) years of age;

(d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

(e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

(f) You must be traveling outside your Home Country Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits

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Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance.

To comply with the United States Preferred Provider Organization (PPO) requirements, you must receive medical treatment from PPO providers while in the United States. If you receive treatment from a PPO provider, we will remit payment for eligible expenses directly to the provider.

You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by visiting WorldTrips’ website located at: For assistance locating a provider, contact us at 1-800-605-2282.

Complete details are given in certificate of insurance

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The coverage provided under this Master Policy is for a maximum duration of 365 days for non-U.S. citizens or residents whose travel does not include the U.S. or U.S. Territories, and for all other members, the maximum certificate period is 364 days. Any extension of coverage is based upon the eligibility rules in force and is solely at our discretion.

Complete details are given in certificate of insurance

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Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

  1. A $25 cancellation fee will apply for administrative costs incurred by us; and
  2. Only the prorated portion of the premium will be refunded; and
  3. You cannot have filed any claims to be eligible for a premium refund.

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We must receive proof of claim within 60 days of the last day of your certificate period (or for claims incurred during a benefit period, 60 days from the date the claim is incurred).

A proof of claim must include all of the following:

  1. A completed and signed Claimant’s Statement and Authorization form, together with any/all required attachments;
  2. Itemized bills from physicians, hospitals and other medical providers; and
  3. Receipts for any expenses which have already been paid by you or on your behalf.

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