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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  • Doctor Visit: Up to policy max.
  • Urgent Care: For each visit, the Member shall be responsible for a $50 co-payment, after which Coinsurance will apply
  • Hospital Room and Board :Up to policy max.
  • Ambulance: Up to policy max.
  • Medical : Up to policy max.
  • Emergency Room: Up to policy max.
  • Loss of Checked Baggage: $250 limit per bag; $500 per Certificate Period

Complete details are given in certificate of insurance.

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Exclusion

  • 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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For members age 14 days through age 64 inclusive, $10,000; for members Age 65 and over, $2,500.

The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning 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 effective date of the policy. 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 Effective Date of coverage.

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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, LLC at:

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Premiums may be refunded after the Certificate Effective Date subject to the following provisions:

  • 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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The Member shall have 60 days beginning on the last day of the Certificate Period to submit Proof of Claim to Underwriters. Subsequent to receipt of Proof of Claim, Underwriters may, at their sole discretion, request and require additional information, including but not limited to medical records, necessary to confirm the validity of any claim prior to payment thereof.

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