Plan Administrator: Petersen International Underwriters

  • Eligibility: US Citizen/ Non US Citizen Age 0-84 traveling outside USA.
  • Coverage Length: Maximum term length of 11 months.
  • Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specified geographic area will be reimbursed to you.
  • This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States’ Patient Protection and Affordable Care Act (‘ACA’). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverageunder ACA.
  • Benefits may be assignable directly to the providers once a claim has been reviewed and completed.
  • ID card & Visa Letter comes in email instantly.

Choice of Deductible Maximum Benefit
  $5,000,000
Age 0-69  $0, $250, $500, $1,000, or $2,500 Age 70-74  up to $250,000
Age 70-79  $1,000, $2,500 or $5,000 Age 75-79  up to $100,000
Age 80-84  $2,500 or $5,000 Age 80-84  up to $50,000
(Deductibles listed are per policy period) One policy will be issued for each person. (Benefits listed are per policy period) One policy will be issued for each person.

  • Expenses for supplies and services that were incurred in the United States of America or any of its territories after the follow Me Home Provision has been exhausted.
  • Any expense which You are not legally obligated to pay.
  • Services which are not Medically Necessary or are not furnished by and under supervision of a Physician.
  • Expenses for services and supplies for which You are entitled to benefits, services or reimbursement through the Veterans’ Administration, Workers’ Compensation insurance, any private health plan or from any other source except Medicaid.
  • Expenses in excess of UCR.
  • Self-inflicted injuries while sane or insane.
  • Treatment for alcoholism, drug addiction, allergies, and/or Mental or Nervous Disorders.
  • Rest cures, quarantine or isolation.
  • Cosmetic surgery unless necessitated by an accidental Injury.
  • Dental exams, dental x-rays and general dental care except as a result of an accidental Injury.
  • Eye glasses or eye examinations.
  • Hearing aids or hearing examinations.
  • General or routine examinations.
  • Injuries sustained from participation in Hazardous Sports or Activities.*
  • Pregnancy and pregnancy-related conditions including but not limited to fertility, pre-natal care, childbirth, miscarriage, abortion or postpartum conditions.
  • Injuries or Illnesses due to War or any act of War whether declared or undeclared.*
  • Injuries or Illnesses due to Terrorism or Act of Terrorism whether declared or undeclared.*
  • Injuries or Illnesses due to an Act of Terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s).
  • Injuries or Illnesses sustained while committing a criminal or felonious act.
  • Expenses incurred for or resulting from pain which is not supported by medical diagnosis.
  • Cataract surgery.
  • Any elective surgery, including but not limited to complications of previous elective or cosmetic surgeries.
  • Custodial Care.
  • Expenses for supplies and services that were not incurred with in the specified Geographic Area.
  • Pre-existing conditions.
  • Racing of any kind, all professional or semi-professional sports, and collegiate, sponsored, or interscholastic athletics.**

* This exclusion can be removed if the appropriate additional premium has been paid and the optional benefit is indicated on the Schedule or attached by an endorsement.

** This exclusion can be removed if the appropriate additional premium has been paid and the optional benefit is indicated on the Schedule or attached by an endorsement. Please note this exclusion cannot be removed with the online enrollment.

Pre-existing condition means a physical mental or chemical condition which arose from any accident or sickness for which you sought medical advice or treatment within twelve months prior to the effective date of this certificate or which caused symptoms for which an ordinarily prudent person would have sought medical advice within that twelve months.

Important Notice regarding the Patient Protection and Affordable Care Act:

This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States’ Patient Protection and Affordable Care Act (‘ACA’). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverage under ACA. In no event will benefits be provided in excess of those specified in the contract documents. This insurance is not subject to guaranteed issuance or renewability other than as specified in the policy. ACA requires certain US citizens and US residents to obtain ACA compliant health insurance coverage. In some circumstances penalties maybe imposed on persons who do not maintain ACA-compliant coverage. You should consult your attorney or tax professional to determine if ACA’s requirements are applicable to you.

This insurance is not subject to guaranteed issuance or renewability other than as specified in the policy.

Benefits may be assignable directly to the providers once a claim has been reviewed and completed.