Age Eligibility

Available to non-US citizens from ages 0–89 who live outside the U.S. and are traveling outside their home country to visit the U.S. (and/or other countries). Age-based limits apply for higher coverage options.

Who can buy

Available to anyone residing outside the U.S. and under the age of 89. This is short-term travel medical coverage, not long-term U.S. health insurance.

Trip length

Coverage can be bought for a minimum of 5 days, up to a maximum of 364 days. For a covered illness or injury, benefits can continue for up to 180 days from the first treatment.

Policy maximum options

Choose your medical coverage limit: $25,000, $50,000, $100,000 per policy period (availability varies by age).$25,000, $50,000, or $100,000 per policy period (varies by age).

Deductible

For most travelers under age 70, the standard deductible is $0 per policy period. For older travelers, small deductible options (for example $100 or $200) are available on selected limits.

Co-insurance

No co-insurance is applied. Once you’ve met any deductible, eligible expenses are paid according to the schedule of benefits, up to your chosen policy maximum.

Hospitalization

Covers room and board in a hospital, including intensive care and standard nursing services, up to daily and overall limits based on your selected policy maximum.

Surgery (inpatient and outpatient)

Scheduled benefits for surgeon, assistant surgeon, anesthesia, and facility charges when you need a covered surgery, whether you are admitted to the hospital or treated in an outpatient center.

Doctor and specialist visits

Pays a fixed amount per visit when you see a physician for a new covered sickness or injury, with a limit on the number of visits per policy period.

Urgent care / walk-in clinic

Choose your medical coverage limit: $25,000, $50,000, $100,000 per policy period (availability varies by age).

Emergency room

Covers emergency room treatment for serious illness or injury. An extra deductible may apply when an illness visit does not lead to a hospital admission.

Tests and diagnostics

Helps pay for X-rays, lab tests, and advanced imaging such as CT scans, MRI, or PET scans that are medically necessary for a covered condition, up to plan-specific limits.

Prescription medicines

Provides limited coverage toward prescription drugs needed to treat a covered illness or injury, with a maximum amount per injury/illness or policy period depending on your plan.

Local ambulance

Covers medically necessary ground ambulance services to the nearest suitable hospital or medical facility, up to a fixed limit per injury or illness.

Acute onset of pre-existing conditions

If a stable pre-existing condition suddenly and unexpectedly flares up during your trip, the plan offers limited coverage up to the policy maximum, with special sub-limits for some heart-related events. Benefits are not available once you turn 70. Full terms and conditions apply.

COVID-19

COVID-19 is covered and treated like any other illness under the plan, up to your selected medical policy maximum, when treatment is medically necessary.

Well doctor visit

Includes one “Doctors Wellness” visit per policy period, covered up to $250, when you purchase at least 30 days of coverage and complete the visit within the first 14 days of your policy.

Physical therapy

Short-term physical therapy is covered when ordered in advance by a physician, with a fixed per-visit amount and a maximum number of visits per policy period.

Dental injury

Provides limited coverage for emergency dental treatment if you injure sound natural teeth in an accident during your trip.

Orthopedic equipment

Helps with the initial cost of basic medical equipment such as a standard hospital bed, wheelchair, or orthopedic prosthetic after a covered injury, up to a plan limit.

Emergency medical evacuation

If you suffer a covered illness or injury and appropriate care is not available locally, we can arrange and pay for medically necessary evacuation to the nearest suitable facility, up to $100,000.

Medically necessary repatriation

When it is medically appropriate for you to return to your home country for continued treatment, the plan can arrange transportation home, up to $25,000

Emergency reunion

Covers reasonable travel costs for a family member to join you if you are hospitalized following an emergency evacuation, up to a set amount and number of days.Covers a family member’s travel to join you if hospitalized after evacuation.

Return of minor children / traveling companion

Pays to send minor children or an insured traveling companion back home if you cannot travel due to a covered medical emergency.

Repatriation of mortal remains / local burial

If death occurs during a covered trip, the plan helps with the cost of returning remains to the home country or for local burial/cremation in the country of travel, up to stated limits.

Accidental death & dismemberment (common carrier)

Provides a lump-sum benefit (up to $25,000 per insured person, with a higher combined family maximum) for covered accidental death or specific serious injuries while traveling as a fare-paying passenger on a common carrier such as an airplane.

Incidental trips outside the U.S.

You remain covered for short incidental trips to countries outside the U.S. during your policy period, as long as your main trip satisfies the eligibility rules.

Home country coverage

Includes limited coverage during brief incidental visits back to your home country after you have been continuously insured for at least 30 days, for up to 14 days per eligible period.

24/7 travel assistance

Around-the-clock access to an assistance team that can help locate doctors and hospitals, coordinate emergency arrangements, and provide general support during a covered medical event. This is a non-insurance service bundled with the plan.

Non-insurance support services

Additional services such as medical monitoring, referral help, and admission guarantees may be available through the assistance provider to help make your care smoother, even though they are not insurance benefits