Plan Administrator: Global Underwriters | Brit Syndicates Limited on behalf of Syndicate 2987 at Lloyd’s

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000; Age (65 to 99):-Up to $2,500.
  • Co-Insurance:
    After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.

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  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Average Semi-private room rate, including nursing services.
  • X-rays & Lab Services: : Up to policy max.
  • Medical : Up to policy max.
  • Ambulance: Up to policy max.
  • Loss of Baggage: $50 per article, to a maximum of $250

Complete details are given in certificate of insurance.

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  • Pre-existing conditions as defined in the definitions;
  • Expense incurred for treatment of temporomandibular joint (TMJ) disorders
  • Regular health checkups;
  • Pregnancy or childbirth, miscarriage; elective abortion; elective cesarean section
  • Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction .
  • Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions
  • Private-duty nursing services.
  • Organ transplants;

Complete details are given in certificate of insurance.

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Pre-x coverage

A Pre-Existing Condition existing prior to the Plan Participant’s departure from their Home Country.

A new Deductible, Coinsurance, other limits, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.

Pre-Existing Condition Exclusion: 12 Months prior to the start date of coverage.

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Coverage under this Plan is not renewable. If additional coverage time is needed, a new application and subscription agreement must be completed and correct plan cost submitted to Global Underwriters Agency. A new Deductible, Coinsurance, other limits, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.

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

  •  $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.

After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

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The Company, upon receipt of a written notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this Plan by submitting, within the time fixed in this Plan for filing proofs of loss, written proof showing the occurrence, nature and extent of the loss for which claim is made. Claim forms can be obtained by calling 800-513-2981 or online at www.globalunderwriters.com. One claim form is needed for each Injury or Illness for which a claim is being made.

 The Company is liable and in case of claim for any other loss within 90 days after the date of such loss. Failure to furnish proof within the time required shall not invalidate nor reduce any claim if it is not reasonably possible to give proof within such time, provided proof is furnished as soon as reasonably possible.

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