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

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 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: No Under age 70: Up to the overall maximum limit, Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower.
  • Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: Provides Equian International PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age 80 or older $20,000.

Age 70 to 79: $50,000, $100,000, or $250,000.

All others: $50,000, $100,000, $250,000, $500,000,$1,000,000 or $2,000,000

Doctor Visit Up to the overall maximum limit
Urgent Care

Claims incurred in U.S.

For each visit, you shall be responsible for a $15 co-payment,

– Co-payment is waived for members with a $0 deductible.

– not subject to deductible

Claims incurred outside the U.S.

No co-payment

Hospital Room and Board Up to the overall maximum limit
Ambulance Up to the overall maximum limit
Prescription Up to the overall maximum limit

Complete details are given in certificate of insurance.

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Pre-Existing Conditions (excludes chronic and congenital conditions)

Age(0-69): Up to the overall maximum limit

$25,000 lifetime maximum for Emergency Medical Evacuation

Age(70-79): Up to the overall maximum limit or $100,000

Age(80-99)-Not Applicable.

$25,000 lifetime maximum for Emergency Medical Evacuation whichever is lower.

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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.
  • Birth defects and congenital illnesses.  Birth defects are deemed to include hereditary conditions.
  • Mental health disorders.
  • Pregnancy except as covered under Complications of Pregnancy, as herein defined, termination of pregnancy except in connection with covered Complications of Pregnancy, all charges related to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and charges incurred by a child under the age of 14 days.
  • All sexually transmitted diseases and conditions.
  • HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
  • Any kidnapping or express kidnapping first occurs in Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela or any country for which we are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office.

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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 accessing the Internet website for Tokio Marine HCC - MIS Group: For assistance locating a provider, contact us at 1-800-605-2282.

Complete details are given in certificate of insurance

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

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This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim. This insurance policy has in it an Appeals and Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

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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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