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: Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
• 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.
• Note: Not available for North Korea, Syria, Iran and Cuba.
• Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

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• Doctor Visit: Usual, Reasonable and Customary charges
• Urgent care: 
  Claims incurred in US
  For each visit,you shall be responsible for $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: Average semi-private room rate, which would include nursing services
• Emergency room(Direct Admission): Claims incurred in the U.S.
  You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
   Claims incurred outside the U.S.
  No co-payment
• Ambulance: Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
• Loss of Checked Baggage: Up to $1,000 - not subject to deductible

Complete details are given in certificate of insurance.

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• Illness that begins by occurrence of symptoms and/or receipt of treatment within the first two (2) days of coverage beginning with and including the certificate effective date, if coverage was purchased on the same day as the coverage effective date.
• Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
• All sexually transmitted diseases and conditions
• HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
• Sleep apnea or other sleep disorders.
• Mental health disorders.
• Dental treatment and treatment of the temporom and ibular joint, except for emergency dental treatment necessary to replace 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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Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:

(a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

(b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

(c) You must be under eighty (80) years of age;

(d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

(e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

(f) You must be traveling outside your Home Country Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits

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Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance.

To comply with the United States Preferred Provider Organization (PPO) requirements, you must receive medical treatment from PPO providers while in the United States. If you receive treatment from a PPO provider, we will remit payment for eligible expenses directly to the provider.

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 visiting WorldTrips’ website located at: www.worldtrips.com. For assistance locating a provider, contact us at 1-800-605-2282.

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We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium

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:

a. A $25 cancellation fee will apply for administrative costs incurred by us; and

b. Only the prorated portion of the premium will be refunded; and

c. You cannot file 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.

All claims and related claim information, including a proof of claim, should be submitted to the Company at the contact information below, or online at http://service.worldtrips.com/ as soon as possible.

Online: http://service.worldtrips.com/

Postal Mail: WorldTrips

P.O. Box 2005 Farmington Hills, MI 48333 USA

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