Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility:Non US citizen age 0-69 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing Condition: Under Age 60 :- Up to $200,000 ; Age 60-69 :Up to $20,000.
  • Co-Insurance:
    In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After deductible is paid by insured, plan pays as per URC 100% up to policy maximum
  • PPO Network: Provides First Health Network.
  • ID Card & Visa Letter comes in email instantly.

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Overall Maximum Limit

$500,000, $1,000,000, or $2,000,000

Coinsurance – Claims incurred outside U.S.

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Coinsurance – Claims incurred in U.S.


In-Network Payment

Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Out-of-Network Payment

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

Intensive Care Unit

Up to the overall maximum limit

Local Ambulance

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.

Lost Checked Luggage

Up to $500 - not subject to deductible or coinsurance

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  • Routine pre-natal care, Pregnancy, child birth, and post natal care.
  • Diagnosis, testing, or treatment related to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
  • Diagnosis, testing, or treatment for HIV+, AIDS or ARC, and all diseases caused by and/or related to HIV.
  • Routine Physical Check Up.
  • Organ or Tissue Transplants or related services.
  • Diagnosis, testing, or treatment of all forms of cancer / neoplasm.
  • Diagnostic testing or procedures, services, supplies, and treatment for hair loss including wigs, hair transplants or any drug that promises hair growth.
  • Dental Treatment, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the Emergency relief of Acute Onset of Pain.

Complete details are given in certificate of insurance.

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Acute Pre-Ex Coverage

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions)

Age 60-69: $20,000

Under age 60: $200,000


Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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To comply with the United States Preferred Provider Organization requirements, the Member must receive medical treatment from PPO providers while in the United States. If the Member chooses to comply with the PPO requirements, and the expenses are incurred in a PPO provider, Underwriters will waive the Coinsurance applicable to the expenses.Members may review a listing of Hospitals, Physicians and other medical service providers included in the PPO Network for the area where the Member will be receiving treatment by accessing the Internet website for HCC Medical Insurance Services at:

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Premiums may be refunded after the Certificate Effective Date subject to the following provisions: a. a $25 cancellation fee will apply; and b. only the unused portion of the plan cost will be refunded; and c. only Members who have no claims are eligible for premium refund.

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A completed and signed Claimant’s Statement and Authorization form, together with any/all required attachments, original itemized bills from Physicians, Hospitals and other medical providers, original receipts for any expenses which have already been paid by or on behalf of the Member, and any other documentation that is deemed necessary by the Underwriters.

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