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

  • Coverage Area: US & 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 under age 70: Plan A $50,000, Plan B $75,000, Plan C & D $100,000. $25,000 for emergency medical evacuation.
  • No Network: Visit any doctor/hospital.
  • ID Card: Link comes in email to download.
  • Note: Individuals coming to USA who are over age 65, coverage must be effective within 30 days of arrival.

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  Plan A Plan B Plan C Plan D
Hospital Room &Board, including miscellaneous unless specified $1,450 per day, 30 days max $1,725 per day, 30 days max $2,000 per day, 30 days max $2,585 per day, 30 days max
Urgent Care $2,200 per day, 8 days max $2,600 per day, 8 days max $3,000 per day, 8 days max $3,800 per day, 8 days max
Surgery $3,600 per session $4,800 per session $6,000 per session $7,800 per session
Consultant physician $450 $475 $500 $500 maximum
Private duty nurse $550 $550 $550

$700
Physician visits

$60 per visit,
30 visits max

$75 per visit,
30 visits max

$90 per visit,
30 visits max

$115 per visit,
30 visits max

Complete details are given in certificate of insurance.

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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.
  • Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
  • Charges exceeding usual, reasonable and customary.
  • Exercise programs, whether or not prescribed or recommended by a physician.

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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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The coverage is 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.

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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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You must send proof of claim for any expenses that you are requesting to be paid by us. This includes treatment or services for which the medical provider bills us directly. No payments will be made by us without you first submitting a proof of claim.

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).

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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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