Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Only available for under age 70 ( Plan A: 50,000; Plan B: 75,000; Plan C: 100,000; Plan D: 100,000)
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan pays fixed amount per incident up to the policy maximum

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  Plan A $50,000 (Age 0-69, 70-79, 80+*) Plan B $75,000 (Age 0-69, 70-79) Plan C $100,000 (Age 0-69) Plan D $130,000 (Age 0-69)
Doctor Visit $70 allowable per visit, 10 visits max. $85 allowable per visit, 10 visits max. $100 allowable per visit, 10 visits max. $130 allowable per visit, 10 visits max.
Urgent Care $70 allowable per visit, 10 visits max. $85 allowable per visit, 10 visits max. $100 allowable per visit, 10 visits max. $130 allowable per visit, 10 visits max.
Hospital Room and Board $1,450/ day, 30 days max $1,725/ day, 30 days max $2,000/day, 30 days max $2,585/day, 30 days max
Ambulance $500 maximum $500 maximum $500 maximum $500 maximum
Prescription $150 maximum $200 maximum $250 maximum $300 maximum

Complete details are given in certificate of insurance.

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  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Routine physical exam.
  • Preventive care services such as flu shots.
  • Pregnancy or child birth.
  • Charges resulting from violation of law.
  • Eye surgery, such as corrective refractory surgery.
  • Eyeglasses, contact lenses, hearing aids.
  • Services provided by a chiropractor.

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Acute Onset of Pre-existing Condition (only available to Members under age 70) $50,000 Lifetime Maximum for Eligible Medical Expenses $75,000 Lifetime Maximum for Eligible Medical Expenses $100,000 Lifetime Maximum for Eligible Medical Expenses $100,000 Lifetime Maximum for Eligible Medical Expenses
  $25,000 Lifetime Maximum for Emergency Medical Evacuation $25,000 Lifetime Maximum for Emergency Medical Evacuation $25,000 Lifetime Maximum for Emergency Medical Evacuation $25,000 Lifetime Maximum for Emergency Medical Evacuation

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Renew

You may extend policy online before expiration date of policy. You may extend minimum of 5 days. Insurance company charge $5 extension fee for each renewal. Total coverage duration cannot be more than 364 days including extension.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

  • A $25 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

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You must submit a claim for any expenses to be paid by insurance company. This includes treatment or services for which you expect the medical provider is to bill insurance company directly. No payments will be made by insurance company without you first submitting a claim. You shall have 60 days beginning on the last day of the certificate period to submit proof of claim. Subsequent to receipt of proof of claim, insurance company may, at our 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.

Country Restriction

No coverage available for these countries when selected on application as home country, citizenship country or destination country.

  • Cuba
  • Iran
  • North Korea
  • Sudan

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No coverage available for these countries when selected on application as home country, citizenship country or destination country.

  • Cuba
  • Iran
  • North Korea
  • Sudan

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