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

  • 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:Non-Renewable.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $20,000 & Age (65 to 99):-$2,500.
  • Co-Insurance:
    In-Network: After Deductible, Plan pays 100% up to policy maximum
    Out-of-Network: After Deductible, Plan pays as per URC up to policy Maximum.
  • PPO Network: Provides First Health Network.
  • ID Card & Visa Letter comes in email instantly.

View more details

Age and Policy Maximum

Up through age 69: $75,000 or $200,000

Age 70 to 79: $75,000

Age 80+: $20,000

Doctor Visit

Up to the overall maximum limit

Urgent Care

Claims incurred outside the U.S.

No co-payment

Claims incurred in U.S.

For each visit, you shall be responsible for a $50 co-payment, after which coinsurance will apply.

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

– not subject to deductible

Hospital Room and Board

Average semi-private room rate, including nursing services.


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


Up to the overall maximum limit

Complete details are given in certificate of insurance.

View more details

  • 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.
  • Impotency or sexual dysfunction
  • All sexually transmitted diseases and conditions.
  • HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
  • All forms of cancer / neoplasm.

Complete details are given in certificate of insurance.

View more details

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) Ages 65 and above: $2,500
All others: $20,000

View more details

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:

View more details

Non Renewable.

View more details

Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.

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 unused portion of the plan cost will be refunded; and
  3. You cannot have filed any claims to be eligible for a premium refund.

View more details


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.

View more details