Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | 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: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: $150,000 Sub-Limit for Maximum Limits purchased for $110,000, $550,000 or $1,100,000; All other Maximum Limits purchased will have a Sub-Limit of $50,000.
  • Co-Insurance:
    In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • PPO Network: Provides Aetna PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Benefit

  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Average Semi-private room rate, including nursing services.
  • Emergency room: Up to policy max..(Subject to additional $250 Deductible if not admitted overnight).
  • X-rays & Lab Services: : Up to policy max.
  • Medical : Up to policy max.
  • Ambulance: Up to policy max.
  • Loss of Checked Baggage: $250 per Coverage Period (not subject to Deductible or Coinsurance)

Complete details are given in certificate of insurance.

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  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Pregnancy - Charges related to Pregnancy, including but not limited to prenatal care, child birth, post-natal care, false labor, edema, prolonged laborand/or prescribed rest during the period of pregnancy, including newborn care.
  • Injuries as a result of engaging in Hazardous Sports without the purchase of the optional Sports rider.
  • Any injury or illness as a result of the consumption of alcohol or drugs; or for the treatment of substance abuse.
  • This is a partial list and description of exclusions. For a full description, please contact Azimuth Risk Solutions, LLC for a copy of the Evidence of Insurance.

Complete details are given in certificate of insurance.

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Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions)

$15,000 Maximum.Limit for Eligible Medical Expenses including Emergency Medical Evacuation.

Acute Onset of Pre-existing Condition

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to US medical care and the significant ease of finding a qualified health care provider virtually anywhere in the US. For providers outside the US, you may access care anywhere of your choosing, or simply contact Azimuth for a suggested referral.

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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 should not be more than 365 - 730 days including extension.

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All cancellation requests must be submitted in writing to Azimuth Risk Solutions. To be eligible for a full refund, the request must be received before the Participating Members r requested Effective Date. Cancellation requests received after the requested Effective Date will be subject to the following:

  • A $25.00 cancellation fee; and
  • 2 Only the unused portion of the Premium cost will be refunded; and
  • No claims will be eligible for Premium refund.

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The claim process is quite simple. In the event that you have a claim for eligible expenses you have already incurred, simply complete our Claim Form, which is included in your plan fulfillment and available online. Return it to Azimuth with your original receipts and your eligible expenses will be promptly refunded.

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